Retirement Planner Pro

Retirement Planner

Today's $

1. Personal Information

Single Couple

Player 1 (P1)

Date of Birth

-- years old

Retirement Age

Life Expectancy

Player 2 (P2)

Date of Birth

-- years old

Retirement Age

Life Expectancy

Dependents (CCB & RESP)

Name

Birth Month

2. Portfolio Assets

Adv. Mode

P1 Asset Mix

Account

Balance ($)

Return (%)

Cash

TFSA

FHSA

RRSP

RESP

LIRF

LIF

RRIF

Non-Reg

Mkt

ACB

Tot%

Yld%

Crypto

Mkt

ACB

P2 Asset Mix

Account

Balance ($)

Return (%)

Cash

TFSA

FHSA

RRSP

LIRF

LIF

RRIF

Non-Reg

Mkt

ACB

Tot%

Yld%

Crypto

Mkt

ACB

P1 Portfolio

P2 Portfolio

Total Liquid Assets

3. Real Estate & Mortgage

4. Income & Taxation

Province of Residence

Using 2026 Estimated Tax Brackets

Source: CRA 2026 Rates

Player 1 Income

Gross Annual Income

Growth

RRSP Max Match

Match Rate

Player 2 Income

Gross Annual Income

Growth

RRSP Max Match

Match Rate

Total Household (Gross)

Total Household (Net)

Enable Pension Income Splitting

Automatically optimizes taxes by splitting eligible pension income (RRIF, LIF, DB Pension) between spouses aged 65+.

5. Living Expenses

Adv. Mode

6. Future Expenses & Debts

7. Windfalls & Inheritance

8. Government Benefits

Player 1 Benefits

Canada Pension Plan (CPP)

Est. Payout at Age 65 Service Canada

$ /yr

Starts at Age: 65

Actual Estimated Payout: $10,000/yr

Old Age Security (OAS)

Years in Canada (by age 65) Estimator

40 / 40

Starts at Age: 65

Actual Estimated Payout: $8,908/yr

Defined Benefit (DB) Pension

Player 2 Benefits

Canada Pension Plan (CPP)

Est. Payout at Age 65 Service Canada

$ /yr

Starts at Age: 65

Actual Estimated Payout: $10,000/yr

Old Age Security (OAS)

Years in Canada (by age 65) Estimator

40 / 40

Starts at Age: 65

Actual Estimated Payout: $8,908/yr

Defined Benefit (DB) Pension

9. Economic Assumptions

Long-term Inflation Rate

BoC Target: 2%

Lifetime Summary

Total Investment Growth

Pure market compounding

Govt Benefits Collected

Lifetime CPP & OAS

Total Lifetime Tax Paid

Effective Rate: 0%

Avg. Retirement Spending

$0/yr

Average after-tax lifestyle budget

Total Living Expenses

Excludes taxes and debt payments

Total Gross Inflow

From income, pensions & yields

Milestones & Estate

Retirement Day Snapshot (Age --) $0

Peak Net Worth $0 (Age --)

Mortgage-Free Year --

Final Estate Value $0

Plan Health Checking...

Lifetime Cash Distribution

Net Worth Composition Over Time

Accumulation Strategy

Drag to prioritize where surplus cash is saved. Top items fill first.

Decumulation Strategy

Drag to prioritize withdrawal sources during retirement/deficits.

Annual Contribution Limits

TFSA Annual Limit

RRSP Max Limit

Cap applied to 18% of inc.

FHSA Annual Limit

RESP Target (CESG)

Crypto Annual Limit

$ / yr

Applies per person. Use 999,999 for unlimited.

Tax & Benefit Optimization

Fully Optimize to Reduce Tax

Overrides drag-and-drop order. Automatically melts down RRSPs in low tax brackets and uses TFSA/Non-Reg in high brackets to minimize lifetime tax.

Optimize to Avoid OAS Clawback

Exceptions & Overrides

Player 1: Skip 1st Year TFSA Contrib.

Player 1: Skip 1st Year RRSP Contrib.

Player 2: Skip 1st Year TFSA Contrib.

Player 2: Skip 1st Year RRSP Contrib.

Timeline Year:

2026

(Age: --)

Smart Optimizers

Optimal RRSP Calculator

Find your RRSP "Sweet Spot". Calculates exactly how much to contribute to maximize your tax refund before dropping into a lower tax bracket.

RRSP Gross-Up Optimizer

Calculate how to maximize your RRSP contribution by using a short-term loan that is completely paid off by the resulting tax refund.

Smith Maneuver Simulator

Convert your non-deductible mortgage into a tax-deductible investment loan. See how much wealth this Canadian strategy could generate for you.

CPP Smart Importer & Analyzer

Upload your Service Canada records directly into the app. We'll accurately calculate your exact lifetime average and apply the CRA 17% drop-out rule to project your future CPP.

Simulation Settings

Number of Runs Simulation Method

Market Volatility

Simulation Outcomes

Displaying random scenarios based on standard deviation. Solid Lines represent the Median (50th percentile) and "Bad Luck" (10th percentile) cases.

Comparison Controls

Select the scenarios you wish to compare. The chart will update automatically to display their Net Worth trajectories side-by-side.

Net Worth Trajectory Comparison

Quick Adjust

Tweak key variables here to instantly update your projections.

P1 Retirement Age

Now6080

P2 Retirement Age

Now6080

Inflation Rate (%)

1%2.5%8%

Market Return (%)

1%6.0%12%

*Updates P1 & P2 TFSA/RRSP base returns.

Disclaimer: Retirement Planner Pro is a simulation tool intended strictly for educational, informational, and personal use. It does not constitute professional financial, tax, or legal advice. While we strive for mathematical accuracy, tax laws and economic variables are complex and subject to change. You must verify all calculations and consult with a certified financial planner or tax professional before making any financial decisions. The developer(s) assume no liability for any actions taken based on this tool.

This tool is for personal use only. For commercial use, integration, or licensing inquiries, please contact the developer.