Sequence of returns
A bad market in your first five years hurts far more than the same drop later.
Built for Canada · 2026 tax rules
Know exactly when you can retire.
Retireez runs 1,000 Monte Carlo simulations across your RRSP, TFSA, CPP and OAS, giving you a probability of success instead of a straight line.
No credit card · Results in 30 seconds
Probability of success
92%
Retire at 62Example plan · 1,000 simulations
CPP start
Age 67
OAS start
Age 70
Draw first
RRSP
1,000simulations per plan, every time
CPP · OAS · RRIFbuilt in, not bolted on
Every provincefederal and provincial tax rules
Zero adsprivacy-first, your data stays yours
Every account and rule a Canadian retirement touches
- RRSP
- TFSA
- RRIF
- FHSA
- CPP
- OAS
- DB pension
- Non-registered
- Pension splitting
- OAS clawback
- RRIF minimums
- Capital gains
- Provincial tax
- Phased spending
Why straight lines fail
Most calculators hide the risks that actually move your date.
A single average return to age 95 looks tidy. Real retirements are shaped by the things below, and Retireez models every one of them.
OAS clawback
Income over the threshold quietly claws back your OAS, year after year.
Forced RRIF withdrawals
Minimums rise every year after 71 and can push you into a higher bracket.
Inflation drift
Three percent a year halves your purchasing power over a long retirement.
Longevity
Planning to 85 when you live to 95 is the most expensive mistake.
Benefit timing
Taking CPP at 60 instead of 70 can cost tens of thousands over a lifetime.
Provincial rules
Quebec, Ontario and Alberta tax retirement income very differently.
Spousal mismatch
Two ages, two pensions and one household budget need to be planned together.
One planning engine
Built for Canadian retirement, specifically.
Not a generic tool with a flag on it. Every calculation reflects actual CRA rules.
Government benefits
Know what every year of deferral is worth.
Actuarial adjustments for every start age from 60 to 70, combined with your savings and spouse, so you take benefits at the age that pays you most.
- CPP adjustments for every start age, 60 to 70
- OAS deferral up to age 70
- Start ages planned for both spouses
Lifetime benefit, CPP at 70 vs 60 (example)+$84k
Illustrative example. Your plan uses your own numbers.
How it works
From zero to your plan in 60 seconds.
Tell us your picture
Retirement age, current savings and CPP/OAS estimates. Takes about 30 seconds.
We run 1,000 futures
Market volatility, inflation and every applicable Canadian tax rule, modelled across a thousand possible outcomes.
See your plan
Probability of success, optimal withdrawal order and year-by-year projections to age 95.
Free tool · no sign-up
When should you take CPP and OAS?
See what each year of deferral from 60 to 70 is worth in your situation, in under a minute.
Why I built Retireez.
I've been interested in personal finance for a long time, and over the years I've used plenty of budgeting apps, investing services and exchanges. When I turned to retirement planning, the only real option seemed to be an expensive financial planner.
Many Canadians aren't confident about when they can retire, and those close to it often worry about whether they have enough. I built Retireez to help Canadians at every stage of life plan for retirement.
Simple, honest pricing.
Start free. Upgrade when you're ready for the full picture.
Free
$0 / forever
- Your retirement plan
- CPP/QPP & OAS estimates
- Accounts & vault
- Action guide and free calculators
Pro
Most popular$150 / year
- Everything in Free
- Scenario Lab and side-by-side compare
- Tax & withdrawal planning
- Sequence optimizer
- AI plan summary and coach
- PDF plan export
All prices in CAD · Cancel anytime · Secure payments via Stripe