Canadian retirement planning · 2026 rules
Can your savings support the retirement you want?
Model Canadian retirement timing, CPP or QPP and OAS starts, registered withdrawals, estimated tax, and the spending your savings may support.
Using 2026 Canadian rules · Last reviewed July 17, 2026
Why I built RetirementPath
Clearer answers to personal retirement questions.
I built this website after hearing conflicting opinions about some of the most important retirement decisions:
- How should I divide my savings between an RRSP and a TFSA?
- Should I withdraw from my RRSP early, and if so, how much?
- At what age should I start receiving CPP and OAS?
- When can I afford to retire?
Generic advice can only go so far. RetirementPath is designed to explore these questions using your own financial situation, helping you compare the trade-offs and make more informed decisions.
Plan with context, not false certainty.
RetirementPath is an educational estimate in today’s Canadian dollars. It is not financial, tax, legal, or immigration advice, and it does not replace official benefit estimates or professional review.