🍁 PrivateACB Retirement Planner
Canadian Retirement Income Optimizer Canadian Crypto Taxes? Try PrivateACB →
Optimize your CPP/OAS strategy. See your retirement income in seconds.
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Canadian Retirement Income Calculator

Fill in the form on the left and click Calculate Projection to see your complete retirement plan.

How it works

How it works
1
Enter your balances

RRSP, LIRA, TFSA, and non-registered accounts — include everything: stocks, ETFs, crypto, metals, cash.

2
Set your government benefits

Your CPP and OAS estimates and when you plan to start claiming. The calculator applies CRA adjustment rules automatically.

3
Choose a strategy

Withdrawal order (RRIF first, TFSA first, or proportional) and RRSP meltdown strategy to minimize lifetime tax.

4
Get your projection

Year-by-year income, taxes, OAS clawback, and account balances — with CPP break-even analysis.

5
Print or save as PDF

Click the print icon in the results bar or press Ctrl+P to save your complete projection as a PDF — including all your inputs.

What the model calculates

Federal + provincial tax (all 13 provinces)CPP adjustment: −0.6%/mo early, +0.7%/mo lateOAS deferral bonus + 10% increase at age 75OAS clawback (15% above $90,997 threshold)RRIF mandatory minimums starting at age 72LIF maximum withdrawal limits4 RRSP meltdown strategiesInflation-adjusted (real dollar) valuesEstate tax on deemed disposition at deathVariable spending phases (Go-Go / Slow-Go / No-Go)

Why is this free?

This retirement planner is built by the team behind PrivateACB — Canada's privacy-first crypto tax calculator. Our users kept asking: "I have crypto and ETFs in my TFSA — how does it all fit into my retirement plan?"

So we built the tool we wished existed: a focused, transparent Canadian retirement calculator that handles the full picture — stocks, ETFs, crypto, precious metals — across all your registered and non-registered accounts. No paywall on the math. No signup to see your numbers.

Other tools charge $10–50/month and hide the calculation behind a trial. We think you should be able to answer "When should I take CPP?" and "What's the best RRSP meltdown strategy?" without entering a credit card.

Have crypto in your portfolio?

If you hold Bitcoin, Ethereum, or other crypto — in your TFSA, RRSP, or non-registered accounts — you need to track your adjusted cost base for tax time.

Try PrivateACB — Canadian Crypto Tax →

Your balances include everything

Enter your total account balances above — including stocks, bonds, ETFs, crypto, gold, and cash. The account type (RRSP, TFSA, non-registered) determines the tax treatment, not what's inside.