Simulate
Stress-test your retirement plan with probabilistic simulations.
Why simulate RRSP meltdown?
An RRSP can look comfortable in your 50s and 60s, then create a tax problem later when mandatory RRIF withdrawals, CPP, OAS, pensions, and investment income stack into the same tax year. A meltdown simulation tests whether smaller planned withdrawals before age 72 can smooth taxable income and reduce future OAS recovery pressure.
The tradeoff is timing. Pulling money out early can save future tax, but it can also trigger tax now, reduce tax-sheltered growth, or require bridge cash from another source. That is why the model needs charts, yearly numbers, and debt assumptions instead of a one-line answer.
FIRE Planner
Model early retirement with taxes, inflation, TFSA/RRSP/taxable accounts, CPP/OAS timing, side income, and withdrawal order.
Launch FIRE PlannerRRSP Meltdown
Compare early RRSP withdrawals against waiting for RRIF minimums. Test tax brackets, OAS recovery, TFSA reinvestment, expenses, and outside borrowing offsets.
Launch RRSP ModelMonte Carlo Simulator
Run thousands of market scenarios to see how your portfolio might perform across different economic conditions. Understand your probability of success.
Launch Simulator