Learn and plan for your retirement
Government of Canada
Use this as the main federal hub for retirement preparation, income sources, benefits and related services.
Visit official source (opens in a new tab)Helpful resources
Retired Kevin can help you understand your retirement math and explore your choices. These authoritative Canadian sources can help you confirm current figures, benefits and rules before acting.
Curated, not exhaustive
21 useful starting points.
Government, regulatory and primary research sources are given priority. Links open in a new tab.
Learn
Understand a topic or decision.
Confirm
Check current figures, thresholds or rules.
Start planning
Official starting points for building a retirement picture and organizing the information you may need.
Canadian Retirement Income Calculator
Government of Canada
Build an official retirement-income estimate using CPP, OAS, workplace pensions and personal savings.
Visit official source (opens in a new tab)Planning and saving for retirement
Financial Consumer Agency of Canada
Review practical questions about spending, saving, debt, inflation, housing and the retirement lifestyle you want.
Visit official source (opens in a new tab)CPP, OAS and benefits
Find current government information and personalized estimates for public retirement benefits.
CPP retirement pension amounts
Government of Canada
Understand how CPP retirement benefits are calculated and how to obtain your personalized estimate.
Visit official source (opens in a new tab)Old Age Security Benefits Estimator
Government of Canada
Estimate OAS and related benefits using current rates without signing in.
Visit official source (opens in a new tab)My Service Canada Account
Government of Canada
Use your secure account to view and manage your CPP and OAS information, applications and tax slips.
Visit official source (opens in a new tab)Benefits Finder
Government of Canada
Look for federal benefits and follow links to provincial or territorial programs that may apply.
Visit official source (opens in a new tab)Taxes and registered accounts
Confirm current tax rules and account requirements before changing withdrawals or benefit timing.
Tax changes when you retire or turn 65
Canada Revenue Agency
Review retirement income, pension splitting, OAS recovery tax, credits and other tax considerations.
Visit official source (opens in a new tab)Registered Retirement Income Funds
Canada Revenue Agency
Confirm how RRIFs are established, transferred and paid, including the general minimum-withdrawal rules.
Visit official source (opens in a new tab)RRSPs and other registered plans for retirement
Canada Revenue Agency
Use CRA's detailed guide to confirm current RRSP, RRIF and related registered-plan rules.
Visit official source (opens in a new tab)Old Age Security recovery tax
Government of Canada
Check current recovery-tax thresholds, repayment calculations and reporting requirements.
Visit official source (opens in a new tab)Investing safely
Independent education about investments, costs, registration and fraud—not product recommendations.
GetSmarterAboutMoney
Ontario Securities Commission
Learn about investing, diversification, risk and fraud through independent articles, tools and calculators.
Visit official source (opens in a new tab)Investment fees and costs
Canadian Investment Regulatory Organization
Understand MERs, management fees, trading costs, currency costs and the effect fees can have over time.
Visit official source (opens in a new tab)DIY versus advised investing
Canadian Investment Regulatory Organization
Compare the responsibilities, costs and trade-offs of investing independently or with an advisor.
Visit official source (opens in a new tab)Warning signs of investment fraud
Canadian Investment Regulatory Organization
Review common fraud warning signs and how to check whether an investment firm or individual is registered.
Visit official source (opens in a new tab)Housing and longevity
Explore housing choices and the population information behind a longer retirement planning horizon.
Housing options for seniors
Canada Mortgage and Housing Corporation
Compare common housing options while considering budget, health, mobility, community and maintenance.
Visit official source (opens in a new tab)Aging in place
Canada Mortgage and Housing Corporation
Learn about planning, home adaptations and practical considerations for remaining safely at home.
Visit official source (opens in a new tab)Life tables, Canada, provinces and territories
Statistics Canada
View the official population life tables used to understand longevity at a group level.
Visit official source (opens in a new tab)Research behind the illustrations
Primary standards and research that help explain long-term assumptions and retirement-income risks.
Projection Assumption Guidelines
FP Canada and the Institute of Financial Planning
Review the Canadian evidence-based assumptions used as a reference for long-term financial projections.
Visit official source (opens in a new tab)Post-Retirement Needs and Risks
Society of Actuaries Research Institute
Explore research on longevity, inflation, shocks, caregiving, retirement income and other post-retirement risks.
Visit official source (opens in a new tab)Understanding and Managing Post-Retirement Risks
Society of Actuaries Research Institute
Read accessible research briefs about the risks and decisions people face through retirement.
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