Plain-language tools that show you the numbers behind the decisions — CPP timing, OAS clawback, RRIF withdrawals, and more.
See how much CPP you collect at every start age from 60 to 70 — and the exact age where deferring pays off based on your life expectancy. Find your break-even age instantly.
Enter your projected retirement income and see exactly how much OAS you keep — and what you can do to reduce the recovery tax.
See your mandatory RRIF withdrawal schedule from age 72 to 95 — including tax impact, balance remaining, and spouse age comparison.
Visualize your full retirement income stack — CPP, OAS, pension, RRIF, and TFSA — layered year by year with a chart and full table.
Find out the exact date your commuted value option closes — and how much time you have left to make this decision. Most OMERS members do not know this date.
These tools are a starting point. For guidance specific to your situation, the Ask a CFP® tool gives you a straight answer — free, no obligation.