For Canadians retiring in the next ten years
See when you can retire, and if you'll be OK.
Find out tonight what you can spend each month, the age your savings last to, and what you'll live on after that.
See where you standFree, with no card and no statements to dig out.
You can spend $4,800 a month until you're 73. After that, your savings are used up and you live on CPP and OAS: $2,398 a month, in today's dollars.
Retiring at 65 instead stretches the same spending to 79.
Forget the $1 million rule.
A rule of thumb doesn't know about your workplace pension or the year your mortgage ends. Your plan starts from your own numbers and shows the age your savings last to.
If it comes up short, you'll see what closes the gap and by how much: retiring a year later, starting CPP at 70, or spending less each month.
What you'll find out
What you can spend, and until when
A monthly amount in today's dollars, the age your savings last to, and what retiring a year or two earlier or later does to both.
What you live on after
CPP, OAS and any workplace pension keep paying once savings are used up. You'll know what that comes to each month, years before you get there.
When to start CPP and OAS
See what starting at 60, 65 or 70 pays for the rest of your life, so you know what waiting is worth before you call Service Canada.
If one of you dies first
See what the one left behind lives on: one OAS, a CPP survivor's pension and the share of any workplace pension that continues.
On your own or as a couple
Work through it on your own, or sit down with your partner and plan it together.
Start without knowing what a RRIF is
Each term gets one plain sentence the first time it appears, like the TFSA here.
Checked against the government's own numbers
- We ran two households through the Government of Canada's retirement income calculator. CPP came within 1%, and OAS matched to the dollar.
- Inflation and investment returns start at FP Canada's 2026 guidelines, the ones financial planners use. You can change them.
- Income tax for every province and territory, at this year's federal and provincial rates.
- 65ish sells no investments and earns no commissions. Its only income is what you pay for Plus or Pro.
Try it with eight numbers
A first answer, with no account and nothing saved. Your free plan adds workplace pensions, your partner and your home.
What it costs
Your whole plan is free, for one or two people, with no card. Plus adds the stress test, a suggested plan, your tax year by year and a PDF to take to a planner.
See pricingKnow where you stand.
Start your plan