The only Canadian retirement calculator that models TFSA, RRSP, RRIF, CPP, OAS and DC pensions — then shows your real net income across 48 cities worldwide, with correct tax treaty withholding rates for each country.
Most calculators are too generic. This one knows CPP enhancement rules, OAS deferral bonuses, RRSP room limits, TFSA overflow, RRIF mandatory minimums, and provincial tax rates. Built specifically for Canada.
See exactly how much taking CPP at 60 vs 70 is worth over your lifetime. OAS deferral bonuses, partial OAS for under 40 years in Canada, and GIS all included.
Complete account modelling including Defined Contribution pensions. RRSP auto-converts to RRIF at 71 with CRA mandatory minimums applied every year. DC pension balance grows and merges correctly.
From Bali to Budapest to Dubai. Real individual expense breakdowns — rent, food, healthcare, transport — with visa requirements, healthcare notes, and expat community info for each city.
When you pick a foreign destination, the year-by-year drawdown switches to non-resident mode — applying the correct Canadian withholding rate for CPP, OAS and RRSP under each country's treaty.
See every year of retirement: which account gets drawn first, when CPP and OAS kick in, your net after-tax income, and your remaining balance at each age. Drag-and-drop to change withdrawal order.
The tool calculates the tax cost of drawing RRSP first vs TFSA first — and shows you exactly how many thousands of dollars you'll save by drawing accounts in the optimal order.
Real federal and provincial tax brackets for ON, BC, AB, QC and every other province. OAS clawback calculated above $90,997 taxable income. Net income — not gross — throughout.
Pick Puerto Vallarta or Penang and the entire drawdown recalculates against that city's actual costs. See exactly how much longer your money lasts if you retire abroad.
Your full year-by-year plan exported to a clean, shareable PDF — including a destination comparison page with costs, visa info, and tax treatment for up to 3 cities you're considering.
When you leave Canada as a non-resident, CRA withholds tax at source on CPP, OAS and RRSP withdrawals. The rate depends on whether a tax treaty exists. Most calculators ignore this entirely — ours calculates it for every destination.
Every destination includes individual expense breakdowns, Canadian visa requirements, healthcare costs, internet quality, expat community notes, and the exact tax treatment of your CPP, OAS, RRSP and TFSA.
Free online tools show gross income, ignore RRIF rules, don't know your province, and have no idea about Canadian tax treaties. Here's what you actually get.
No subscription. No upsells. No data harvesting. One payment unlocks everything on your device, including all future updates.
Have a question, found a bug, want a destination added, or just want to say hi? Send us a message — we read every one.
One payment. No subscriptions. No data harvesting. Just clarity on what your retirement actually looks like — and where in the world you can afford to live it.
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