Calculators

Quick answers, real rules.

Four free tools that run on the same 2026 CRA rules as the TruePath engine, current as of January 2026. No account, no email, no catch.

OAS clawback calculatorEnter your expected net income and see the recovery tax in dollars, using the 2026 threshold of $95,323 and the same 15% rule the TruePath engine applies.Open the calculator

CPP timing calculatorSlide your claiming age and watch your monthly amount, the difference against 65 and the breakeven age update, using the exact 0.6% and 0.7% monthly adjustments.Open the calculator

RRIF minimum calculatorEnter your age and January 1 balance to see this year's required minimum, in dollars and per month, straight from the CRA factor schedule.Open the calculator

How much do I need calculatorFive questions, one honest ballpark: your spending, your benefits, your timeline, how long the plan runs and the savings gap that leaves.Open the calculator

Each tool answers one question with honest, simplified math and says plainly what it leaves out. The full picture, after tax and across every year for both spouses, is what the app is for. For the explanations behind the numbers, browse the retirement answers.

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