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 do I find the full rules?
Use a practical provincial reference for benefits, taxes, health programs, housing, and estate planning.
Open the handbook →Do I have enough income?
Project whether CPP, OAS, pensions, savings, and other assets may cover housing and common expenses.
Run your projection →When should I start my benefits?
Test a single decision with focused tools for RRIF withdrawals, OAS timing, OAS recovery tax, and CPP post-retirement benefits.
Use a calculator →How do I handle one specific decision?
Work through focused topics including pension splitting, estate planning, seniors' benefits, tax credits, and CPP decisions.
Browse the guides →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 →