CRA-accurate · CAD-native · 2026 rates

How much will you
need to retire?

Drag your household income. We’ll size your number on the 70% rule, net out CPP + OAS, and show the savings gap you’re really closing.

Household income$100k/yr
$40k$250k
Build my free plan →Free · no card · 3 minutes
Projected savings to 65age 30 → 65
You’ll need about$0k
304865
With a plan
$0k
Drifting
$0k
The gap
+$0k

CPP + OAS cover about $21,000/yr at 65; your savings carry the other $49,000. 4% withdrawal rule. Educational, not advice.

PIPEDA-compliant · Hosted in Canada · No bank login · Educational, not advice

How it works

Three steps to a plan.

i.

Enter your numbers

Type in your accounts and a month of income and expenses, only what you choose. No bank login, nothing leaves Canada.

ii.

Ask Frankie

Ask anything in plain language. Frankie runs the right calculators and shows the math behind every number.

iii.

Get your plan

A clear, CRA-accurate read on when you can retire, how to draw down, and where the gaps are.

The projector

Five income streams, one number.

CPP, OAS, RRIF, TFSA, and non-registered, projected to a single after-tax figure for any age.

Annual income · age 67
CPP
$17.4k
OAS
$8.8k
RRIF
$22.0k
TFSA
$9.5k
Non-reg
$6.2k
Total$0

Your AI advisor

Ask Frankie anything.

Frankie runs all 103 calculators behind the scenes and answers in plain language, with the math.

F
Frankie
Your AI advisor
Should I claim CPP at 60 or 65?
At 65 in your case, claiming early costs $93k lifetime. Here’s the math.

103 calculators. Every one tax-aware.

From RRSP vs TFSA to the OAS clawback, every calculator is built for Canadian rules in CAD.

Browse all 103 →

Close the gap.

Read the whole plan for free. Unlock Monte Carlo, drawdown sequencing, and Frankie, your AI advisor, for $18 CAD / mo.

Open the books →

No card · Cancel anytime