Choose a tool
Turn spreadsheet models into quick scenarios
Everything runs in your browser. Your entries stay on this device and are not saved or sent anywhere.
Registered savings
RRIF minimum withdrawal schedule
Project annual minimum withdrawals and the remaining balance. You may withdraw more than the minimum, but not less.
Year-by-year schedule
| Age | Factor | Start balance | Minimum withdrawal | Growth | End balance |
|---|
Old Age Security
OAS start-age comparison
Compare partial-residency OAS at different start ages. The deferral bonus stops growing at age 70, while an additional Canadian residence year may still change a partial pension before it starts.
Compare start ages
| Start age | Year | Residence | Deferral bonus | Monthly OAS | Annual OAS |
|---|
Sources: OAS start timing and residency rules.
2026 income year
OAS recovery tax calculator
Estimate the OAS repayment created by 2026 net world income and the monthly deduction generally applied in the following recovery period.
—
Every additional $1 of net income above the threshold reduces OAS by about $0.15 until the OAS received for the year is fully recovered.
Working after 65
CPP PRB break-even calculator
Compare continuing employee CPP contributions after starting CPP at 65 with opting out, where permitted.
Year-by-year gross comparison
| Age | Contribution | Extra CPP | Cumulative net advantage | Status |
|---|
This simplified comparison is before income tax, contribution tax relief, investment returns, and CPP indexing. Source: CPP Post-Retirement Benefit.
These calculators are educational planning estimates, not tax, legal, investment, or financial advice. Government amounts and rules change; verify your personal result with Service Canada, CRA, and a qualified adviser before acting.