Free, educational Canadian retirement tools · figures reviewed October 30, 2026Part of the MITEY network
    RetirementPlanner.ca
    Free tool 2026 rules

    Your retirement plan summary

    Pull your main inputs and results into one page you can download, print or bring to a conversation with a partner or a planner: projected savings, the range of outcomes, sustainable spending, CPP and OAS timing, and a short checklist of official steps.

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    Your details

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    Plan summary

    Figures reviewed October 30, 2026
    Savings at 65
    $1,038,039
    average path
    Paths that last
    74%
    to 95
    Sustainable spending
    $63,900
    per year after tax
    CPP at 65 / OAS at 65
    $1,100 / $763
    per month, today's $
    RETIREMENT PLAN SUMMARY
Prepared with RetirementPlanner.ca (figures reviewed October 30, 2026). Educational estimate, not advice.

Age 50, retiring at 65, planning to 95; single; province ON.
Savings today: RRSP $250,000, TFSA $60,000, non-registered $20,000.
Saving per year: RRSP $15,000, TFSA $7,000, non-registered $0.
Spending goal: $52,000 a year after tax (today's dollars).
CPP from 65: about $1,100/month (from $1,100 at 65). OAS from 65: about $763/month.
Assumptions: 6% return before, 5% after retirement, 2% inflation, 10% volatility.

Projected savings at 65: $1,038,039 (average-return path).
Market paths where money lasts to 95: 74% of 300.
Sustainable spending on the average path: $63,900 a year after tax.
First retirement year: tax $1,311, withdrawals $30,961.

CHECKLIST
[ ] Download your CPP Statement of Contributions (My Service Canada Account)
[ ] Check RRSP deduction limit and TFSA room (CRA My Account)
[ ] List every pension, RRSP, RRIF, LIRA, TFSA and non-registered account
[ ] Decide on a CPP start age and note the application lead time
[ ] Check OAS: automatic enrolment letter or apply; consider deferral
[ ] Plan RRSP-to-RRIF conversion by December 31 of the year you turn 71
[ ] Review beneficiaries and successor holders on registered accounts
[ ] Update wills and powers of attorney

Confirm benefit amounts with Service Canada and tax rules with the CRA. Consider a qualified, licensed professional for decisions.

    Checklist

    Educational estimate, not advice. Results depend on your inputs and the assumptions listed. They are not a prediction of returns or a recommendation. Check benefit amounts in your My Service Canada Account and tax details with the CRA. Read the disclaimer.

    How to use this tool

    1. Enter your details once.
    2. Review the summary and checklist.
    3. Download as text or CSV, or print it. Nothing is sent anywhere.

    What goes in the summary

    • Your ages, province, balances, yearly saving and spending goal.
    • CPP and OAS at your chosen start ages, in today's dollars.
    • Projected savings at retirement, Monte Carlo success rate and sustainable spending.
    • A checklist of official steps — statements, room, applications and RRIF conversion.

    Privacy

    The summary is built in your browser. Downloads are created on your device; nothing is uploaded or emailed. If you copy the page link, your inputs travel only in that link.

    Frequently asked questions

    Can I save my plan?
    Download the .txt or .csv file, or copy the link — the inputs are stored in the URL.
    Can I edit the checklist?
    Tick items as you complete them; the downloaded summary records which ones are ticked.
    Is the summary a financial plan?
    No. It's an educational snapshot to support your own planning or a conversation with a qualified professional.

    Official sources

    Figures checked October 30, 2026. Rules and amounts change; confirm current details on the official pages above.