Pro Tool

You need less than you think.

Start with the retirement income you want. We subtract CPP and OAS — the part you don't need savings for — and show the capital that actually has to do the work. Then we layer in what you already have.

Pro · 2026 rates
Tell us what you have and when you want out — we'll calculate the monthly savings that gets you there.
Step 1 · The income you want
$/yr
In today's dollars, before tax. Most people spend less in retirement than while working — no payroll deductions, no commute, often no mortgage.
How long the money needs to last.
Step 2 · About you
CPP can start 60–70 (−0.6%/mo before 65, +0.7%/mo after); OAS at 65 at the earliest. Retire before this age and your savings carry the full income until benefits begin — we price that bridge in and show it below.
Step 3 · Government benefits — the income you already have coming
$/mo
$/mo
🍁
Step 4 · What you have — personal
RRSP · TFSA · other savings
$
$
$
🏢
Step 5 · What you have — your corporation
Retained earnings · Selling the business
$
Retained earnings invested inside the company / holdco.
$
Share sale price when you retire. Leave at 0 if you don't plan to sell — many owners wind down instead.
$
Often near $0 for founder shares.
Shelters up to $1.25M of the gain if shares qualify (CCPC, active-business & 24-month tests).
%
Only 50% of the gain above the exemption is taxable.
Step 6 · Assumptions
6.0%
Nominal, before inflation.
2.0%
Everything is shown in today's dollars (return minus inflation).
"Spend down" needs the least capital — the pot empties at your plan-to age. "Preserve" keeps the capital intact for an estate, so the number is bigger.
Your number

What you have
Covered by CPP + OAS
Earliest you could retire
Why your number is smaller than you think
Capital needed vs. what you have
When your savings cross your number
What you'd have (no new saving)
Capital needed to retire at that age
Things to know — the Canadian fine print
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Your CFO's read on this

A plain-English take on your plan, built on your numbers.

This is an educational planning tool, not financial, tax, or investment advice, and not a guarantee of future results. The corporate side is simplified — passive income inside a CCPC is taxed differently than personal investments, and tax on a business sale depends on your specific facts. Figures use 2026 CRA limits and are shown in today's dollars, before tax. Confirm your own CPP estimate in CRA My Account and talk to your accountant before acting. Prosperify · built by a Canadian CPA.