Retirement & Estate for Canadians

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

Compare taking CPP at 60, 65, or 70 — breakeven age, lifetime totals, and how delaying boosts your monthly cheque.

Mandatory annual RRIF withdrawal percentages by age, projected income, and withholding tax on amounts above the minimum.

Find the split of eligible pension income (up to 50%) that minimizes a couple’s combined tax — verified 2026 federal + provincial brackets.

Share the CPP earned while you lived together: who is paid what after sharing, and the income tax and OAS clawback the couple saves.

Guaranteed income for life vs flexibility and an estate — see how long a RRIF would last at the same income as an annuity quote.

See how much Old Age Security you keep at your income level, where the recovery tax kicks in, and how to stay under the threshold.

A fast top-line estimate of the nest egg you need to retire in Canada at your target spending — then dive into the full planner.

See the guaranteed monthly income a given amount could buy from a Canadian life annuity, and how age and rates change the payout.

Weigh taking the commuted (lump-sum) value of a defined-benefit pension against keeping the lifetime monthly payments.

Test how long your portfolio lasts at different withdrawal rates, with sequence-of-returns risk factored in.

Your FIRE number, the year you reach it at your current pace, and your Coast FIRE number — in today’s dollars, with honest real-return defaults.

The share of income you keep — and exactly how many working years it buys. The income-independent math behind FIRE, with the classic rate-to-years table.

The portfolio that funds retirement by your target age with zero further saving — your coast number, your gap to it, and when you’d cross it at your current pace.

Everything you own minus everything you owe, in Canadian categories — with the split most trackers skip: investable net worth vs the home equity that can’t pay your bills.

Two spouses, one plan: CPP and OAS timing, pension income splitting optimised each year, CPP sharing, RRIF minimums, the OAS clawback per spouse and a survivor scenario, year by year to your plan end age.

Your age, household type and net worth against StatCan’s Survey of Financial Security medians and averages, by province and by home and pension ownership. No estimates.

A quick score of how on-track you are to retire, based on savings, age, spending, and expected CPP/OAS.

Estimate the probate fee on an estate in any province — from $0 in Manitoba to over $16,000 in Nova Scotia on a $1M estate. Sourced 2026 schedules.

Estimate the income tax the deemed disposition triggers at death — capital gains at 50% plus the full RRSP/RRIF, at your province’s marginal rates, with the spousal rollover.

Which account to draw down first — RRSP/RRIF, TFSA, or non-registered — to minimize lifetime tax and OAS clawback.

The case for taking CPP at 60 vs 65 vs 70 — health, other income, breakeven math, and survivor benefits.

Every 2026 CPP deposit date, when the money lands each month, and how the annual inflation increase is applied.

This quarter’s maximum GIS, the income limits for singles and couples, what counts as income (and what does not), the earnings exemption, and why deferring OAS can cost you the supplement.

The two tax-free benefits for 60- to 64-year-olds: this quarter’s maximums, the income limits, who qualifies, when to apply and what happens at 65.

How much a surviving spouse gets under and over 65, the combined-benefit cap that surprises most widows and widowers, the children’s benefit, and how to apply.

The one-time $2,500 payment, the $2,500 top-up for deaths since January 2025, who qualifies, who applies, how long it takes and how it is taxed.

This year’s maximum and average CPP disability payment, the flat-rate and earnings-related parts, the contribution test, the post-retirement disability benefit and what happens at 65.

The January 2027 CPP cost-of-living increase, computed month by month from Statistics Canada’s CPI with the Canada Pension Plan Act formula, and confirmed the day Service Canada publishes it.

The January 2027 OAS adjustment (and every quarter after it), run from the CPI as Statistics Canada publishes it, with today’s amounts, the 2027 clawback line and what the 75+ boost means.

The renamed and enlarged GST/HST credit: July 2026 to June 2027 amounts, the income cut-offs, the quarterly payment dates and who gets it automatically.

Every 2026 OAS and GIS deposit date, the next payment, this quarter’s maximum amounts and the clawback threshold — refreshed daily from Service Canada.

CPP, OAS, GIS, the Canada child benefit, the Groceries and Essentials Benefit (the renamed GST/HST credit), Ontario trillium and more — every 2026 date and the next payment for each.

Official releases from the Bank of Canada, Finance Canada, the CRA, Service Canada and Statistics Canada, plus every dated money event ahead: deposits, rate decisions, the CPI, the Budget and tax deadlines — refreshed daily.

Free .ics calendar feeds for Apple, Google and Outlook: every CPP, OAS and benefit deposit, Bank of Canada decision, CPI release and tax deadline, kept current from the agencies’ own schedules.

This month’s CPI and the Bank of Canada’s core measures, what is driving prices, inflation by province, the next CPI release date, and the running CPP, OAS and TFSA indexation math — refreshed daily from Statistics Canada.

What CRA and Service Canada have announced for 2027 so far — RRSP limit, TFSA limit, YMPE, OAS clawback threshold and payment dates — updated the day each number is published.

How your CPP amount is worked out — contribution years, the YMPE, the 39-year maximum, and the dropout provisions.

How to coordinate CPP and OAS timing — deferral to 70, the OAS clawback, and when starting them at different ages pays off.

How the OAS recovery tax works, the income threshold, and concrete strategies to reduce or avoid it.

The age-71 deadline, mandatory minimum withdrawals, withholding tax, and how to convert on your own terms.

How couples can shift eligible pension income to the lower-earning spouse to cut household tax and protect OAS.

Who qualifies, how Service Canada works out the shared portion from the years you lived together, the tax effect, how to apply (ISP1002) and when it ends.

The recovery tax is per spouse, not per household: how pension splitting, CPP sharing, spousal RRSPs and withdrawal timing keep each of you under the line, with two worked examples.

Safe withdrawal rates, sequence-of-returns risk, and the bucket strategy — stress-tested against Canadian data.

Everything to line up before you retire — CPP/OAS timing, drawdown plan, healthcare, estate, and tax.

When a life annuity makes sense, how payouts are set, and the trade-off between guaranteed income and flexibility.

The Canadian life insurers that sell income annuities — their financial-strength ratings, the Assuris protection that backs every annuity, and why you should shop quotes from several.

The ways to turn savings into a retirement paycheque compared — annuities, RRIFs, GIC ladders, dividends, bond ETFs and segregated-fund guarantees — on income, guarantees, flexibility and tax.

How locked-in retirement accounts and Life Income Funds work, including minimums, maximums, and unlocking rules.

How to weigh a defined-benefit pension’s commuted value against lifetime payments — longevity, rates, and taxes.

The difference between DB and DC workplace pensions, who carries the risk, and what each means for your retirement.

Why a bad market early in retirement hurts far more than the same returns later — and how to defend against it.

The three ways to size your nest egg — the 70% rule, the 25× rule, and a bottom-up budget — netted against what CPP and OAS already cover.

Splitting your portfolio into cash, income, and growth buckets to ride out downturns without selling low.

Drawing down an RRSP early to smooth lifetime tax and dodge a big RRIF/OAS-clawback hit later in retirement.

Levelling your taxable income across retirement to dodge the OAS clawback, bracket spikes and the RRIF tax bomb — fill the early-retirement "tax valley" instead of getting hit later.

The government-verified rules every retire-abroad listicle skips — the OAS 20-year line, departure tax and its exemptions, 25% withholding, the TFSA traps, and when your health card dies.

The portfolio you need at each age, with horizon-honest withdrawal rates — plus the CPP fine print, the benefits gap before 65, and what funds the bridge.

No penalty at any age — just withholding that’s only a deposit, room that never returns, and a three-year spousal trap. The rules and when withdrawing early is the smart move.

Funding early retirement before CPP and OAS arrive — the account order, the meltdown window, benefit timing, and the cash tiers that survive a bad first decade.

Median AND average net worth by age, straight from StatCan’s Survey of Financial Security — plus the homeowner/pension splits and the fresher quarterly averages.

Financial independence translated for Canada — the RRSP-without-penalty edge, the TFSA, every FIRE variant, the bridge years before CPP/OAS, and the honest criticisms.

Willful vs Epilogue vs LegalWills.ca — Canada’s online will platforms compared on price, documents, and Quebec coverage. From $49.95.

When a DIY online will is perfectly fine, when your estate really needs a lawyer (blended families, trusts, business), and what each costs.

A factor-by-factor head-to-head of Canada’s two best-known online will services — price, documents, couples, and Quebec.

No inheritance tax — but the deemed disposition at death and probate fees can cost thousands. Wills, POAs, beneficiary designations, and how to cut the bill.

What it costs to validate a will in every province and territory — $0 in Manitoba to over $16,000 in Nova Scotia on a $1M estate. Sourced schedules + worked examples.

No inheritance tax — but death deems your assets sold and cashes out your whole RRSP/RRIF on the final return. How the tax bomb works and how to defuse it.

The executor’s step-by-step: probate, valuing assets, paying debts and taxes, the clearance certificate, and distributing — plus the timeline and the personal-liability traps.

Everything an executor must do and when — from locating the will to final distribution, including the common-law “executor’s year” and notifying Service Canada.

Filing the final T1 for someone who died — the deadlines, the balance-owing payment date, and the three optional returns that can cut the tax.

Why an executor must get a clearance certificate (Form TX19) before distributing — and the personal liability for unpaid tax if they don’t.

What happens to registered accounts at death — the successor annuitant and successor holder rules, the qualifying-survivor rollover, and what gets taxed.

The document that lets someone manage your money and care if you can’t — why a will isn’t enough, the property vs personal-care split, the provincial names (BC representation agreement, Quebec protection mandate), and what happens without one.

The scams that target older Canadians — grandparent/emergency, CRA impersonation, romance and investment fraud — the universal red flags, how to protect your money, and how to report to the Canadian Anti-Fraud Centre.