Retirement calculators for Canada
Retirement savings, pensions and contributions.
- 6 free calculators
- Updated for 2026
- Official figures, no sign-up
Calculators
- RRSP What your RRSP could grow to by retirement, and the tax you save now.
- CPP and OAS Your CPP from 60 to 70 and OAS from 65 to 70, and when waiting pays off.
- RRSP vs TFSA Which leaves you more in retirement, after tax, for the same money out of your pay.
- RRSP Tax Refund How much tax an RRSP contribution saves you, in your province.
- Retirement Withdrawal How long your RRSP, RRIF or savings will last, and how much you can take.
- FIRE When you could retire early, from your savings rate, and your Coast FIRE number.
Guides
All Canada guides- Retirement & saving RRSP vs TFSA: which should you use first? How RRSPs and TFSAs differ, which is better at your income, the 2026 limits, and how to use both, with worked examples in plain English. Read the guide
- Retirement & saving How much should I save for retirement? (RRSP guide) How much to save for retirement in Canada, why starting early matters most, a simple target for your RRSP, and how to use your RRSP room and tax savings. Read the guide
- Income tax How tax brackets work in Canada How Canada's federal and provincial tax brackets work in 2026, the difference between your marginal and average tax rate, and why a raise never lowers your pay. Read the guide
- Pay & benefits CPP and EI explained What CPP and EI are, how much comes off your paycheque in 2026, how Quebec differs and why your pay goes up late in the year, in plain English. Read the guide
- Investing Index funds vs picking stocks in Canada: why go passive What an index fund or ETF is, why most Canadian fund managers trail the TSX, what a 2% MER costs you over time, and how to start investing in a TFSA or RRSP. Read the guide
- Investing Investing basics: TFSA, RRSP and index funds What investing is, how stocks, bonds and index ETFs work, which accounts to use first in Canada (TFSA, RRSP, FHSA) and how to start with a small amount. Read the guide