Free calculators

Estimate your marginal and effective tax rates and see how additional income would be taxed.

Estimate CPP and OAS monthly amounts at different start ages. Uses simple assumptions and runs locally.

Compare OAS monthly amounts at ages 65–70, see your break-even age, and check whether your income approaches the repayment (clawback) threshold.

Compare two start-age strategies side-by-side with a year-by-year income table from age 60 to 90. Highlights the break-even age between early and late starts.

Calculate how much you need to save each month to reach a nest egg or replace a target retirement income using a 4% rule.

Compare after-tax outcomes of RRSP contributions (and investing the tax refund) versus TFSA contributions.

Estimate portfolio needed for a target retirement income or the sustainable withdrawal from an existing portfolio.

A quick heuristic to think in $1,000/month income blocks — estimate units provided by a portfolio or the portfolio needed for a target monthly income.

Compare a defined benefit pension to an equivalent lump-sum and find the breakeven age.