Can I retire at 55 or 60 in Canada? Six households run the numbers
Three working households retire at 55, 60 and 65 in the same model, after tax, with five hundred market futures each. What changes the odds, and by how much.
Guides
Retirement questions, with the numbers run
Each guide answers one question people ask about retiring in Canada, with real sample households projected by the same engine that builds a plan: after tax, year by year, on the published federal and provincial tables, with market risk where it matters.
CPP at 60 vs 65 vs 70: the after-tax lifetime comparison
Break-even ages miss the tax, the OAS clawback and the savings that bridge the wait. Two households start CPP at each age, projected year by year to the end of the plan.
How much CPP and OAS will I get, after tax?
The maximums, and what six real households actually receive at the age they start, before and after income tax, including the OAS increase at 75 and GIS.
OAS clawback: the threshold, and what actually reduces it
How the recovery tax is computed, one worked year for an Ontario couple, and the levers measured one at a time: deferring OAS, the withdrawal order and pension splitting.
RRIF minimum withdrawals: the table, and what it does to your tax
The prescribed minimum at every age, on three balances, and what the forced withdrawals do to an Ontario couple's marginal rate and OAS from 72 onward.
How long will my retirement savings last in Canada?
Three households at three rates of return, then five hundred market futures each. Why a single return misleads, and what spending less or deferring CPP does.
RRSP meltdown: does drawing down early pay off?
Two households run every withdrawal order the planner knows: lifetime tax, clawback years, tax on the final return and what is left. It pays for one, not the other.
Pension income splitting: a worked example
A Quebec couple with one pension and one salary, year by year with and without splitting, and the couple for whom it changes almost nothing.
Tool
Canadian income tax calculator: take-home pay by province
Federal and provincial tax, CPP or QPP, EI and take-home pay on a salary in any province, from the same tax engine that builds a Retirafy plan.
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