Free Canadian retirement tools
Find the calculator that matches the retirement decision in front of you.
11 public calculators, all interactive, all built for Canadian retirement math. Run the tool you need first, then save the scenario into Haven when you want the full plan.
The 121-option decision
The best age to take CPP is rarely 65.
Should you take CPP at 60, 65, 70, or somewhere in between?
Example: $1,300 per month at 65: Age 68.5
Powered by 98 years of market history
See your Canadian FIRE date with Monte Carlo math behind it.
When can you reach financial independence under real market volatility?
Example: age 40, $250K net worth: Age 57
Property value projection
Project your home value and equity, without the realtor fluff.
How could appreciation and amortization change your home equity over time?
Example: Toronto home, $900K value: $3.20M
Tax Strategy
Optimize your Roth conversions.
Optimize your Roth conversions.
Example: $50k/yr
Education Savings
Plan your RESP.
Plan your child's education savings.
Example: $70k
$109,000 of room since 2009
How much TFSA room do you actually have?
How much TFSA room do you have, and how big will it grow?
Example: born 1985, $35k balance, $7k/yr: $487,203
The cost of waiting ten years
$200/month from age 25 to 65 ends at $525,000. Wait until 35 and it ends at $245,000.
How much will my investment grow over time with regular contributions?
Example: $10,000 + $500/mo, 7%, 30y: $686,037
All 13 provinces, every bracket
Your marginal tax rate isn't what you actually pay.
How much tax will you actually pay, and what's your real take-home?
Example: $85,000 in Ontario: $62,731
$10K in. $3,400 back in Ontario.
Your RRSP contribution is a refund waiting to be reinvested.
How much will your RRSP contribution refund this April, and what does it grow into?
Example: $90k income, Ontario, $10k contribution: $3,420
The semi-annual rule most calculators skip
Most Canadian mortgage calculators use the wrong math.
What does your Canadian mortgage actually cost when the math is done correctly?
Example: $750,000 home, 20% down, 5.25% / 25 yr: $3,572 / mo
The Canadian retirement tax play
Plan your RRSP meltdown, to the dollar.
How much lifetime tax can you save by drawing down RRSPs earlier?
Example: Ontario retiree, $800K RRSP: $47,203
Plan the whole thing in Haven Finance.
Track your net worth, project your FIRE date, and run every Canadian optimization we've built - free to start, no credit card.
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