Retirement & Benefits

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… Run → 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. Run → 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. Run → 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… Run → 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. Run → 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. Run → 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). Run → 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… Run → GIS Eligibility Calculator Check your eligibility for the Guaranteed Income Supplement (GIS). A monthly non-taxable payment for low-income OAS recipients aged 65+. Run → 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. Run → 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… Run → 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… Run → 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. Run → 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. Run →