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, not just a straight line.
No credit card required · Results in 30 seconds
Built for Canadian retirement, specifically.
Not a generic tool with a Canada flag slapped on. Every calculation reflects actual CRA rules.
CPP & OAS Optimizer
Actuarial adjustments for ages 60–70. See exactly how much each year of deferral is worth in your situation.
Try free calculator →Registered Account Ladder
RRIF minimum withdrawals, TFSA flexibility, and tax-optimized sequencing so you keep more of what you've saved.
2026 Tax Engine
Federal and all provincial brackets, OAS clawback threshold, pension income splitting for couples.
Phased Spending
Go-Go, Slow-Go, No-Go spending curves that reflect how retirement actually unfolds — not a flat line to age 95.
Monte Carlo Simulations
1,000 market scenarios modelling volatility and sequence-of-returns risk. Probability of success, not false precision.
What-If Scenarios
Compare retiring at 60, 65, or 70. See the impact of an RRSP meltdown, downsizing, or a part-time income bridge.
From zero to your retirement plan in 60 seconds.
Tell us your picture
Retirement age, current savings, and CPP/OAS estimates. Takes about 30 seconds.
We run 1,000 simulations
Our engine models market volatility, inflation, and every applicable Canadian tax rule across a thousand possible futures.
See your personalized plan
Probability of success, optimal withdrawal order, and year-by-year projections to age 95.
What Canadians are saying.
“I always assumed I'd retire at 65. Retireez showed me an 88% success rate at 62 — I'd been saving more than I realized. Retired last spring.”
“The RRSP meltdown strategy wasn't something my financial advisor ever mentioned. Running the numbers myself made the case obvious. The OAS clawback savings were significant.”
“Most tools ignore provincial rules. This one actually knows I'm in Quebec and factors in the QPP. That detail matters more than people realize.”