Stop Guessing.
Start Optimizing Your Retirement.
The Canadian retirement planning engine built for investors who have outgrown spreadsheets. Model taxes, investment accounts, government benefits, corporate assets, and withdrawal strategies with professional-grade precision.
Designed for Serious Canadian Investors
Most Retirement Calculators Answer the Wrong Question
Most planning tools tell you how long your money might last. They rarely answer the questions that actually matter.
That's where your planning engine is different.
Optimize Your Entire Financial Picture
Instead of relying on simplistic withdrawal rules, TaxMetric models the interaction between every major component of a Canadian retirement.
Canadian Tax Intelligence
Federal and provincial tax calculations. RRIF minimums. OAS recovery tax. Pension income splitting. Capital gains. Dividend taxation.
Multi-Account Optimization
Coordinate RRSP/RRIF, LIRA/LIF, TFSA, FHSA, RESP, Non-Registered, and Real Estate. TaxMetric sequences withdrawals to minimize lifetime tax in retirement — and, with Contribution Priority, chooses which accounts your surplus fills first while you're still saving.
RRSP Meltdown & CPP/OAS Optimizer
Automatically tests 24 combinations of CPP start age (60/65/70), OAS start age (65/70), and four RRSP drawdown strategies — then applies the one that leaves the largest after-tax estate.
Three Planning Modes
Plan to a fixed after-tax income target, solve for the maximum sustainable spend, or model the classic 4% rule — switch modes any time.
Scenario Comparison
Compare your active plan against any saved scenario — under any planning mode — net worth and net income, side by side, year by year, with a downloadable breakdown.
Retirement Income Planning
Visualize income from CPP, OAS, Pensions, Rental Income, and Investment Portfolios — year by year.
Advanced Risk Analysis
Stress-test your retirement using Sequence of Returns Risk, Inflation Shocks, Historical Volatility, and Monte Carlo Simulation.
Estate & Terminal Tax
Every scenario projects your terminal (deemed-disposition) estate — the final tax on registered accounts — so you optimize for what your heirs keep, not just lifetime income.
Your Data Stays Yours
Export complete plans as JSON. No proprietary lock-in. No hidden databases. Your retirement plan remains under your control.
Hands-On Control When You Want It
The optimizer runs automatically, but you can steer it. Set Contribution Priority (RRSP-first or TFSA-first surplus sweep), cap per-account contribution room, split retirement shortfalls across accounts, or force an RRSP meltdown — manual overrides that layer on top of the automatic strategy.
See Every Angle of Your Plan
Interactive Wealth Projection
Understand how your portfolio evolves over retirement — every registered, non-registered, and locked-in account, stacked year by year.
Income Timeline
Know exactly where every retirement dollar comes from — earned income, CPP, OAS, withdrawals, and lifestyle spending, unified in one view.
Tax Timeline
See lifetime taxes — not just annual estimates. Track total net income against tax paid across your entire retirement.
Scenario Comparison
Put your active plan next to any saved scenario — run either under Target Lifestyle Spending, Max Sustainable Spend, or the 4% rule — and compare net worth and net income side by side, year by year.
Find the Optimal Timing Automatically
The Meltdown Optimizer runs 24 full lifetime projections — every combination of CPP and OAS start age and four RRSP drawdown strategies — and surfaces the one that leaves the largest after-tax estate. Apply it to your plan with one click.
Built for Canadian Complexity, Not American Assumptions
Most software is designed around American tax rules. This planning engine was designed from day one for Canada.
How It Compares
Who It's For
Financial Planners
Deliver professional retirement strategies with confidence.
DIY Investors
Take control of your retirement without sacrificing analytical depth.
Business Owners
Coordinate corporate assets with personal retirement planning.
High-Net-Worth Households
Optimize taxes, income, and legacy across multiple asset classes.
AI Onboarding Assistant
Not sure where to start? Use your preferred AI assistant — Claude, ChatGPT, Gemini — to set up your plan for you. It interviews you in plain language and hands back a ready-to-load plan. No spreadsheets, no jargon.
Try the AI Onboarding Assistant →Retirement Is Too Important for Rules of Thumb
Professional retirement planning requires more than a 4% withdrawal rule. Model your real financial life. Optimize every decision. Retire with confidence.
Start Planning Today →