Canadian retirement planning,
explained clearly.
SimRetire.ca helps Canadians compare CPP timing, OAS clawback exposure, RRSP/RRIF withdrawals, TFSA strategy, housing decisions, and retirement-income tradeoffs. The goal is practical education, not one-size-fits-all advice.
Am I Ready to Retire?
Answer a short checklist about income, housing, taxes, healthcare, and cash reserves. The result is a planning prompt you can review with your own advisor.
Start Free DiagnosticWhat makes the content useful
Retirement planning in Canada usually comes down to a handful of connected decisions: when to start CPP, how to avoid an avoidable OAS recovery tax, whether to draw RRSPs before age 71, and how much cash to keep outside volatile markets. SimRetire organizes those decisions into plain-language guides and focused calculators.
Official-source focus
Guides cite CRA, Service Canada, provincial tax tables, and government benefit pages when a rule or threshold matters.
Worked examples
Articles use realistic Canadian household examples instead of generic retirement slogans.
Calculator assumptions
Tools show the assumptions behind inflation, tax brackets, rates of return, and benefit timing.
Clear limits
Financial and tax content is educational only. Personal advice belongs with a qualified professional.
Popular retirement decision hubs
Start with the annual numbers, then move into the decision guide that matches your next retirement question.
2026 retirement numbers
Current CPP, OAS, RRSP, TFSA, OAS recovery tax, CPP contribution, and RRIF minimum figures.
Read guide Guide hubCPP and OAS timing
Compare benefit timing, OAS deferral, and clawback exposure before choosing a start date.
Read guide Guide hubRRSP meltdown strategy
Use calculator-driven scenarios to test early RRSP withdrawals before RRIF minimums begin.
Read guide Guide hubRRSP and RRIF withdrawals
Plan contribution room, age-71 conversion, mandatory withdrawals, and tax-aware account order.
Read guide
Transparent Calculators
Estimate CPP timing, RRIF withdrawals, pension splitting, tax brackets, probate fees, and TFSA tradeoffs with visible assumptions.
Education Library
Read Canadian guides on CPP, OAS, RRSP/RRIF, GIS, housing, estate planning, snowbird health coverage, and late-start retirement planning.
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