Ontario retirement planning
Plan your Ontario retirement with confidence.
Use practical calculators, step-by-step guides, and plain-language resources to understand your retirement income, benefits, taxes, savings, and options.
How does the pension system work in Ontario?
See how government pensions, workplace pensions, personal savings and income-support programs work together to fund retirement.
Choose your next step
What would you like help with?
Start with a complete income projection, look up a term, or focus on one retirement decision at a time.
Where can I find explanations of pension rules?
Use a practical provincial reference for benefits, taxes, health programs, housing, and estate planning.
Open the handbook →Do I have enough pension income?
Project whether CPP, OAS, pensions, savings, and other assets may cover housing and common expenses.
Run your projection →When should I start my pension benefits?
Test a single decision with focused tools for RRIF withdrawals, OAS timing, OAS recovery tax, and CPP post-retirement benefits.
Use a calculator →Can I receive pension abroad?
Learn how CPP, OAS and other Canadian retirement income may be paid while you live outside Canada.
Read the guide →I came to Canada later in life—what pension benefits will I really receive?
Understand how Canadian residence, CPP contributions, sponsorship, and foreign pension rights affect CPP, OAS, GIS, and Ontario GAINS.
Read the newcomer guide →What do these terms mean?
Decode CPP, OAS, GIS, RRIF minimums, the OAS recovery tax, and other terms in everyday language.
Look up a term →