Retirement questions, answered
Short, plain answers to the questions Canadians ask most about CPP, OAS and GIS, RRSPs and TFSAs, RRIF withdrawals, retirement tax and getting started.
Canada Pension Plan: frequently asked questions
Plain answers to common CPP questions: when to start, 2026 maximums, how the pension is calculated, survivor benefits, sharing, taxes and the QPP.
- When can I start my CPP retirement pension?
- What is the maximum CPP pension in 2026?
- Is CPP paid automatically when I turn 65?
Old Age Security and GIS: frequently asked questions
Answers to common questions about OAS and GIS: current amounts, residence rules, the recovery tax, deferring to 70, couples and how other income affects GIS.
- When does OAS start, and do I need to apply?
- How much is the OAS pension right now?
- How many years in Canada do I need for a full OAS pension?
Retirement planning basics: frequently asked questions
Plain answers to common retirement planning questions in Canada: how much you need, income sources, inflation, return assumptions, the 4% rule and risk.
- How much do I need to retire in Canada?
- Where does retirement income come from?
- What does in today's dollars mean?
RRIFs and retirement withdrawals: frequently asked questions
Answers to common RRIF questions: when to convert, minimum withdrawal factors by age, a younger spouse's age, taxes, pension splitting and withdrawal order.
- What is a RRIF?
- When do I have to convert my RRSP to a RRIF?
- How is the RRIF minimum calculated?
RRSPs and TFSAs: frequently asked questions
Answers to common RRSP and TFSA questions: 2026 limits, contribution room, how withdrawals are taxed, spousal RRSPs and how each account affects OAS and GIS.
- What is the RRSP limit for 2026?
- What is the TFSA limit, and how much room could I have?
- Which is better for retirement, an RRSP or a TFSA?
Taxes in retirement: frequently asked questions
Answers to common questions about tax in retirement: 2026 federal brackets, which income is taxable, pension splitting, the OAS recovery tax and provincial tax.
- What are the 2026 federal tax brackets?
- What is the federal basic personal amount for 2026?
- Which retirement income is taxable?