Smarter Canadian retirement planning

Free calculators and guides built for Canadians. No bank trying to sell you a product — just the math, with the right tax rules and the right account types.

Try the retirement planner → All calculators

Calculators

Built for Canadian tax rules. Updated for the current year.

Retirement Planner

Flagship

Full Monte Carlo retirement simulation with Canadian tax modeling — TFSA / RRSP / RRIF / OAS clawback, stress tests, and AI analysis.

Mortgage Calculator

Coming soon

Amortization, total interest, prepayment scenarios, and the federal mortgage stress test — all in real Canadian dollars.

TFSA Calculator

Coming soon

Contribution room lookup, projected tax-free growth, and over-contribution warnings.

RRSP Calculator

Coming soon

Annual contribution limit, immediate tax refund estimate, and projected retirement value.

FHSA Calculator

Coming soon

First Home Savings Account: contribution limits, tax savings, and when to use it vs RRSP/TFSA.

Compound Interest

Coming soon

See how monthly contributions, time, and rate compound. The simplest tool — and the most eye-opening.

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Canadian tax rules

RRIF mandatory minimums, OAS clawback, Ontario marginal brackets — all modelled correctly.

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Private by default

Calculators run entirely in your browser. Your numbers never leave your device unless you choose to save.

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Free, no upsells

No bank pushing products. Just the tools and the math.