Will your money last through retirement?
Test your retirement date, spending, CPP and OAS, and withdrawals in one planner. Free to start.
Example using the planner's default inputs, with returns and inflation from the FP Canada 2026 projection guidelines. Full tax analysis and the decision report come with the paid report.
How it works
Start free, go deeper when you are ready, and pay only for the report.
Save your scenarios
Create a free account to save scenarios and come back to them later.
Create a free account →Decision report
A personalized PDF with tax analysis that explains what drives your result and what to test next. One-time payment.
See pricing →What you can test
The questions that decide whether a retirement plan holds up.
Retirement date
Down to the month, including a part-year first retirement year.
Spending and inflation
Monthly spending, planned changes later in life, and inflation.
CPP and OAS timing
Compare starting at 60, 65 or 70.
Withdrawal order
Which to draw first: RRSP or RRIF, TFSA, or taxable accounts.
Cash reserve
How many years of cash protect you from a bad market early in retirement.
Downside risk
Monte Carlo ranges instead of one smooth line.
Free tools for learning
Explore history and market context. Separate from the paid report.
Portfolio Lab (ML Guide)
See how a mix of funds behaved in the past: return, volatility and drawdowns, with the ML Guide for style blends.
Open Portfolio Lab →Cash Deployment Cockpit
General market context: where markets stand compared with their own history.
Open the Cockpit →Historical results are not forecasts. Nothing in these tools is a recommendation to buy or sell.
Try the planner free.
No account needed. See where you stand, then decide whether to go deeper.
Try the planner free