Financial clarity for Canadian families.

Master your retirement plan.

Retirement Readiness

50Readiness

Action Needed

Your savings rate is below target. Consider increasing monthly contributions.

Retirement Master Plan

Projected wealth based on your TFSA & RRSP strategies.

Ontario · 31.5% marginal

Shortfall

Runs out at age 66

Stop Working at Age

Target Monthly Spending

Enter in today's dollars — the chart automatically inflation-adjusts this each year.

Expected Inflation (%)

2.0%

Gov Start Age65

⚠️ Bridging 10 years from savings before CPP starts.

*Adjust contributions and risk in the accounts below to improve your outcome.

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Fee-Only Advisor NetworkPartner

Get a second opinion on your plan

A fee-only planner works for you — not on commission. Personalized advice for your exact situation.

Find an advisor

TFSA Planner

Tax-Free Savings Account

Birth Year

Arrival

Current Balance

Available Room$0

Monthly Contribution$500

Target Return7.0%

4% (Safe) — 15% (Aggressive)

Projected at retirement · age 55

$304k

100% tax-free

~$12.2k/yr

4% safe withdrawal

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WealthsimplePartner

Canada's most popular TFSA

Invest your TFSA with zero account fees. Stocks, ETFs, and crypto — all in one app.

Open a TFSA

RRSP Planner

Plan your tax-deferred retirement savings.

Your Province

Annual Income

Current RRSP Balance

New Room (Est.)$15,300

Based on 18% of your income (capped at $31,560).

Monthly Contribution$500

Target Return6.0%

4% (Safe) — 15% (Aggressive)

Tax Profile

Marginal rate31.5%

Annual tax refund+$1,890

Net cost to you$4,110/yr

Every $1 contributed effectively costs $0.69 after your refund.

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QuestradePartner

Buy ETFs free in your RRSP

$0 commissions on ETF purchases. Keep more of your money compounding toward retirement.

Open an RRSP

Net Worth Tracker$50,000

Track your total wealth and compare against Canadian averages.

Your PercentileTop 95%

$0Median
$488kTop 10%
$1.4M

Investments

RRSP

Non-Registered

Cash/Savings

Real Estate

Home Value

Mortgage Balance

Government Benefits$1,713/mo

Estimate your CPP & OAS income based on your history and retirement age.

Ontario · 31.5% marginal

Start Benefits at Age: 65Standard Age

606570

Avg Annual Earnings

Used to calculate CPP contribution level

Years Worked in Canada

Years Lived in Canada (Residency)

Determines OAS eligibility (40 yrs for max)

Monthly Breakdown

CPP

Canada Pension Plan

$1000

OAS

Old Age Security

$713

Combined (Gross)

Before tax

$1,713

After-Tax Estimate

20.1% marginal rate

$1,369

*Estimates in today's dollars. CPP & OAS are fully taxable income.

Other Investments

Investment accounts beyond your TFSA & RRSP. Toggle what applies to you — balances and returns are included in your retirement projection.

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Crypto & Alternatives

Bitcoin, Ethereum, private equity, hedge funds

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Business Equity

Your ownership stake in a private business

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LIRA (Locked-in RRSP)

Locked-in funds from a former employer pension plan

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Foreign / US Accounts

401(k), IRA, US brokerage, or foreign pension account

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GICs & Term Deposits

Guaranteed Investment Certificates outside your TFSA/RRSP

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Private Lending / MIC

Mortgage Investment Corps, private mortgages, or promissory notes

Toggle a slot above to include it in your retirement projection.

Other Retirement Income

Toggle any income streams you expect in retirement. Amounts are in today's dollars and will be inflation-adjusted in the projection.

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Defined Benefit Pension

Employer pension plan (teacher, nurse, government worker, etc.)

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Rental Income

Net monthly income from investment properties (after mortgage & expenses)

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Dividends & Interest

Regular cash from stocks, bonds, GICs, or private lending

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Part-time / Consulting

Occasional work, freelance or consulting income in early retirement

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Business / Passive Income

Ongoing distributions or profits from a business you own

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Other (Annuity / Trust / Alimony)

Any other predictable monthly income stream in retirement

Total other income$0/mo