See what your savings can support.
Glacier Planner is for Canadians within about ten years of retirement who would rather see the numbers themselves. Enter your income, pensions, savings and spending. The planner projects every year ahead with CPP/QPP, OAS, pensions and federal and provincial tax, and shows what one change would do.
The questions it answers
- How much can we spend each month?
- Overview shows a monthly spending figure your savings could support under your assumptions, and whether every year’s spending is covered.
- Will the money last?
- The projection follows savings, income and tax year by year. If spending runs short, it shows the first year and age it happens.
- When should we start CPP and OAS?
- Compare start ages side by side and see the effect on income, tax, the OAS clawback and what is left.
- Which accounts should we draw from first?
- Compare withdrawal orders across RRSP/RRIF, TFSA and non-registered savings, and the lifetime tax each one leads to.
Planning as a couple
One household holds both of you: each person’s income, pensions, CPP/QPP, OAS and accounts, in one projection you can read together. Change one person’s retirement age and see the effect on the household.
An example, with made-up numbers
Dan and Rita are a made-up Ontario couple, 62 and 60 in 2026, spending $78,000 a year after tax. In the sample, both plans fund their spending to the end of the plan. Retiring at 67 instead of 63 leaves about $1,424,654 after tax at the end, compared with $219,295, in 2026 dollars. These are saved results from the engine for a made-up household, not a prediction for yours.
See both sample plans year by year ↗
What you need
- Ages, yearly work income and the age you plan to retire
- Balances for RRSP/RRIF, TFSA and non-registered savings
- Any workplace pension: the amount and when it starts
- What your household spends in a year, after tax
- Optional for a sharper plan: your CPP or QPP estimate and your contribution room
Rough numbers are fine for a first look. How to get your first projection ↗
What it does not do
- It is projections and education, not personalized investment advice.
- It never holds, moves or invests money.
- It is a planning model, not a tax return. A few uncommon situations are not covered yet, and each run lists its assumptions and limitations.
- The free calculator covers a basic household. One or two people. Basic income, savings, pensions, CPP/QPP and OAS. No property, debts, corporations, children or LIRA/LIF.
Price
Your first projection is free. Full results, reports and updates come with a yearly plan from $200 CAD. Compare plans ↗