Calculators
Retirement & Benefits
14 Canadian retirement & benefits calculators. Every tool verified against its official source.
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2026
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Retirement & Benefits calculators
14 tools in this category.
CPP Timing Calculator 2026 — Best Age to Start CPP
Deciding when to start your Canada Pension Plan (CPP) benefit is one of the most consequential retirement income choices Canadians face. Taking…
Retirement Withdrawal Sustainability Calculator
Test whether your retirement portfolio can sustain a given withdrawal rate over 30+ years. Models sequence of returns with inflation-adjusted withdrawals.
Spousal RRSP Calculator (Income Splitting)
Compare after-tax retirement value of contributing to a regular RRSP versus a spousal RRSP. Illustrates the income-splitting advantage.
Retirement Savings Gap Calculator
Project your retirement savings against your required nest egg. Shows shortfall or surplus plus the additional annual contribution needed to close the…
GST/HST Credit Calculator
Estimate your quarterly GST/HST credit based on adjusted family net income, marital status, and children. Tax-free payment from CRA.
Canada Pension Projection Calculator
Forecast your total retirement income combining CPP, OAS, and RRSP/RRIF drawdown. Flags OAS clawback risk if projected income exceeds the threshold.
Quebec Pension Plan (QPP) Calculator
Estimate your Quebec Pension Plan retirement benefit. QPP mirrors CPP but Quebec allows deferral to age 72 (two years longer than CPP).
Canada Child Benefit Calculator
Estimate your monthly Canada Child Benefit using 2025-26 maximums and CRA's two-tier phase-out. Accounts for number of children and adjusted family net…
GIS Eligibility Calculator
Check your eligibility for the Guaranteed Income Supplement (GIS). A monthly non-taxable payment for low-income OAS recipients aged 65+.
Home Buyers’ Plan (HBP) Calculator
Calculate your Home Buyers' Plan withdrawal and 15-year repayment schedule. Up to $60,000 per person since 2024 for first-time home purchases.
RRIF Minimum Withdrawal Calculator
Calculate your annual RRIF minimum withdrawal using the CRA prescribed rate table. Rates rise with age, from about 4% at 65 to…
OAS Benefit Calculator
Estimate your Old Age Security pension including residence-based partial pension, deferral bonus (up to age 70), and the recovery tax (clawback) above…
CPP Retirement Benefit Calculator
Estimate your monthly Canada Pension Plan retirement benefit based on contribution history and chosen start age (60-70). Includes early/late start adjustments.
RRSP Contribution Room Calculator
Calculate your 2026 RRSP contribution limit from earned income, pension adjustment, and unused carry-forward. Estimates your tax savings at your marginal rate.