Free Canadian retirement tools
The Canadian retirement math, solved.
Five free calculators built on the same engine as Haven Finance. No signup to use. Each tool handles Canadian-specific rules: RRSP withdrawal tax, CPP/QPP claiming, OAS clawback thresholds, provincial brackets, RRIF minimums, and Monte Carlo projections powered by 98 years of historical market data.
The Canadian retirement tax play
Plan your RRSP meltdown, to the dollar.
The Canadian retirement tax question nobody answers: when and how fast should you draw down your RRSP to keep more of your money? Haven compares four strategies across your full retirement, factoring provincial tax and OAS clawback.
The 121-option decision
The best age to take CPP isn't 65.
Most CPP calculators give you three options: 60, 65, or 70. Haven models all 121 possible monthly claiming ages, factors your expected lifespan, and shows you the month that maximizes your lifetime benefit. Canadian or Quebec, in or out of QPP.
The 15% that nobody warns you about
Keep your OAS. Every dollar of it.
The Old Age Security clawback is the single most expensive surprise in Canadian retirement. Haven models your income year-by-year, shows you the 2026 threshold ($93,454), and suggests specific strategies to stay under it — RRIF timing, income splitting, or tax-deferred drawdowns.
The drawdown question
What order should you drain your retirement accounts?
The textbook says taxable → TFSA → RRSP. The math says it depends. Haven runs a dynamic-programming optimizer across your accounts, factoring tax drag, RRIF minimums, and OAS clawback. We show you the greedy answer AND the globally-optimal answer, and why they sometimes disagree.
Powered by 98 years of Shiller data
Your Canadian FIRE date, with the math to back it up.
A Monte Carlo retirement simulator built for Canadians. 10,000 trials on 98 years of real market data, factoring RRSP, TFSA, CPP, OAS, and your province's tax brackets. Five FIRE flavours: Lean, Regular, Fat, Coast, Barista.
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.
Create your free account