RetireIQ gives you a complete picture of your retirement - income, investments (contributions until you retire), taxes, benefits, and net worth - all modelled with real Canadian tax brackets. Analyzer charts use plan baseline by default; Premium lets you activate decumulation strategies across those tabs and run Portfolio Simulation with market crash stress tests. No spreadsheets. No guesswork.
Free version available instantly - no signup required
2026
Tax brackets
13
Provinces & territories
100%
Local - data stays in your browser
0
Signup required for free
Quick start
Retirement Estimator
Answer a few questions and get a ballpark number in under a minute - no signup required.
What's inside
Everything you need to plan with confidence
From your first paycheque to your last withdrawal - RetireIQ models the full journey.
Canadian tax engine
Real 2026 federal and provincial brackets, CPP, EI, Basic Personal Amount, and OAS clawback - all inflation-adjusted in projections.
Portfolio & analyzer charts
Unified projection banner on every analyzer tab. Baseline projections across Income, Spending, Investments, Portfolio, Tax, and Plan Trace - or activate a Premium decumulation strategy for CPP/OAS timing and withdrawal priority on those same tabs. Portfolio Simulation adds market crash stress tests.
Budget tracking (coming soon)
Import bank CSV files, auto-tag transactions, and compare actual spending to your plan. Premium users see a preview on General; full module launching soon.
Two-person planning
Model you and your partner independently - separate income, separate retirement ages, combined expenses, and household tax optimization. When one retires first, their accounts fund gaps until you retire; then withdrawals are shared pro-rata.
Scenario comparison
Compare up to three retirement scenarios side by side - different ages, post-ret returns (0.25% steps), and crash events - and see the dollar impact on your plan.
Decumulation strategies
Build named scenarios with CPP/OAS start ages, five withdrawal-priority columns, and RRIF conversion age. Save, compare side by side, then activate one strategy across analyzer tabs.
AI plan review
Get a plain-English assessment of the plan on your screen from Claude AI - strengths, risks, and specific recommendations, with follow-up chat.
RetireIQ uses real Canadian tax brackets for all 13 provinces and territories, models CPP and OAS accurately, includes OAS clawback, and inflates tax brackets year-over-year exactly as the CRA does. No generic assumptions - just accurate Canadian planning.