CACPP & OAS Calculator Canada
Calculate your CPP and OAS retirement benefits. Compare starting at 60, 65, or 70 with break-even analysis.
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Free Retirement Calculators for Canada 2026
Plan RRSP refunds and room, TFSA growth, CPP and OAS income, GIC maturity, and early retirement (FIRE) with tools built around Canadian programs and 2026 limits. Use them to compare scenarios before you commit contributions or withdrawal timing — then validate with a licensed advisor or planner.
CA
CA+USFIRE Calculator
Calculate your FIRE number, FIRE age, and Coast FIRE. Year-by-year path to financial independence for Canada and the USA.
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CARRSP vs TFSA Calculator
Compare long-term benefits of RRSP and TFSA contributions.
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CAOntario TFSA Calculator 2026
Calculate your Ontario TFSA contribution room and tax savings for 2026.
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CABC TFSA Calculator 2026
Calculate your BC TFSA contribution room and tax savings for 2026.
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CAAlberta TFSA Calculator 2026
Calculate your Alberta TFSA contribution room and tax savings for 2026.
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CAQuebec TFSA Calculator 2026
Calculate your Quebec TFSA contribution room and tax savings for 2026.
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CASaskatchewan TFSA Calculator 2026
Calculate your Saskatchewan TFSA contribution room and tax savings for 2026.
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CAManitoba TFSA Calculator 2026
Calculate your Manitoba TFSA contribution room and tax savings for 2026.
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CANova Scotia TFSA Calculator 2026
Calculate your Nova Scotia TFSA contribution room and tax savings for 2026.
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CANew Brunswick TFSA Calculator 2026
Calculate your New Brunswick TFSA contribution room and tax savings for 2026.
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CATFSA Contribution Room 2026
Calculate your TFSA contribution room for 2026.
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CAOntario GIC Calculator 2026
Calculate your Ontario GIC maturity value and after-tax return for 2026.
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CABC GIC Calculator 2026
Calculate your BC GIC maturity value and after-tax return for 2026.
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CAAlberta GIC Calculator 2026
Calculate your Alberta GIC maturity value and after-tax return for 2026.
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CAQuebec GIC Calculator 2026
Calculate your Quebec GIC maturity value and after-tax return for 2026.
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CASaskatchewan GIC Calculator 2026
Calculate your Saskatchewan GIC maturity value and after-tax return for 2026.
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CAManitoba GIC Calculator 2026
Calculate your Manitoba GIC maturity value and after-tax return for 2026.
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CANova Scotia GIC Calculator 2026
Calculate your Nova Scotia GIC maturity value and after-tax return for 2026.
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CANew Brunswick GIC Calculator 2026
Calculate your New Brunswick GIC maturity value and after-tax return for 2026.
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CACPP Calculator
Estimate Canada Pension Plan benefits from earnings history.
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CARRSP Calculator Ontario 2026
Ontario RRSP tax refund, limits, HBP, and growth with provincial tax — Ontario pre-selected.
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CABC RRSP Calculator 2026
Calculate your BC RRSP contribution and tax refund for 2026.
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CAAlberta RRSP Calculator 2026
Calculate your Alberta RRSP contribution and tax refund for 2026.
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CAQuebec RRSP Calculator 2026
Calculate your Quebec RRSP contribution and tax refund for 2026.
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CASaskatchewan RRSP Calculator 2026
Calculate your Saskatchewan RRSP contribution and tax refund for 2026.
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CAManitoba RRSP Calculator 2026
Calculate your Manitoba RRSP contribution and tax refund for 2026.
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CANova Scotia RRSP Calculator 2026
Calculate your Nova Scotia RRSP contribution and tax refund for 2026.
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CANew Brunswick RRSP Calculator 2026
Calculate your New Brunswick RRSP contribution and tax refund for 2026.
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US401k / IRA Calculator
Project 401(k) balance with employer match and 2026 limits; compare Traditional, Roth, SEP, and SIMPLE IRA outcomes.
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US401k Calculator California 2026
California 401(k) and IRA projections with CA state tax context on contributions and withdrawals.
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US401k Calculator Texas 2026
Texas 401(k) and IRA projections — no state income tax, 2026 limits $24,500, employer match and Roth 401(k) context.
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US401k Calculator Florida 2026
Florida 401(k) and IRA projections — no state income tax, 2026 IRS limits, typical 3–6% employer match, Roth 401(k).
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US401k Calculator New York 2026
New York 401(k) projections — deferrals reduce NY taxable income; top rate to 10.9%; 2026 limit $24,500; Roth 401(k).
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US401k Calculator Washington 2026
Washington 401(k) and IRA projections — no state income tax, 2026 contribution limits, employer match, Roth 401(k).
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US401k Calculator Georgia 2026
Georgia 401(k) projections — deferrals reduce GA taxable income; top rate to 5.39%; IRS 2026 limits; Roth 401(k).
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US401k Calculator Pennsylvania 2026
Pennsylvania 401(k) context — no state-level 401(k) deduction; flat 3.07% tax; 2026 limits and Roth 401(k) notes.
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US401k Calculator Ohio 2026
Ohio 401(k) projections — deferrals reduce OH taxable income; top rate to 3.99%; 2026 IRS limits; employer match.
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US401k Calculator Michigan 2026
Michigan 401(k) projections — deferrals reduce MI taxable income; 4.25% flat tax; 2026 limits $24,500; Roth 401(k).
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US401k Calculator Arizona 2026
Arizona 401(k) projections — deferrals reduce AZ taxable income; 2.5% flat rate; 2026 limits; typical employer match.
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US401k Calculator Nevada 2026
Nevada 401(k) and IRA projections — no state income tax, 2026 IRS limits, 3–6% match context, Roth 401(k).
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US401k Calculator Minnesota 2026
Minnesota 401(k) projections — deferrals reduce MN taxable income; top rate to 9.85%; 2026 limits; Roth 401(k).
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US401k Calculator Oregon 2026
Oregon 401(k) projections — deferrals reduce OR taxable income; top rate to 9.9%; 2026 $24,500 limit; employer match.
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US401k Calculator Tennessee 2026
Tennessee 401(k) projections — no state income tax on wages, 2026 IRS limits, typical match, Roth 401(k) option.
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US401k Calculator North Carolina 2026
North Carolina 401(k) projections — deferrals reduce NC taxable income; 4.5% flat rate; 2026 limits; Roth 401(k).
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US401k Calculator Colorado 2026
Colorado 401(k) projections — flat 4.4% state tax; 2026 IRS limits $24,500, catch-up $8,000, $72,000 with employer; 3–6% match.
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US401k Calculator New Jersey 2026
New Jersey 401(k) projections — top rate to 10.75%; 2026 limits $24,500, $8,000 catch-up 50+, $72,000 combined; typical 3–6% match.
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US401k Calculator Virginia 2026
Virginia 401(k) projections — top rate to 5.75%; 2026 IRS limits, catch-up $8,000, employer match 3–6%, Roth 401(k).
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US401k Calculator Maryland 2026
Maryland 401(k) projections — state plus local income tax (top state rate to 5.75%); 2026 $24,500 limit, $72,000 with employer.
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US401k Calculator Wisconsin 2026
Wisconsin 401(k) projections — top rate to 7.65%; 2026 deferral $24,500, catch-up $8,000 for 50+, typical employer match.
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US401k Calculator Missouri 2026
Missouri 401(k) projections — top rate to 4.8%; 2026 IRS limits $24,500, $8,000 catch-up, $72,000 with employer, 3–6% match.
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US401k Calculator Indiana 2026
Indiana 401(k) projections — flat 3.05% state tax; 2026 contribution limits, catch-up 50+ $8,000, Roth 401(k) context.
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US401k Calculator Kentucky 2026
Kentucky 401(k) projections — flat 4.0% income tax; 2026 $24,500 deferral limit, $72,000 with employer, typical 3–6% match.
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US401k Calculator South Carolina 2026
South Carolina 401(k) projections — progressive tax up to 6.4%; 2026 $24,500 limit, $8,000 catch-up 50+, $72,000 with employer, 3–6% match.
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US401k Calculator Alabama 2026
Alabama 401(k) projections — progressive tax up to 5.0%; 2026 IRS limits, catch-up $8,000 at 50+, combined $72,000, typical employer match.
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US401k Calculator Louisiana 2026
Louisiana 401(k) projections — progressive tax up to 4.25%; 2026 $24,500 deferral, $72,000 with employer, Roth 401(k) context.
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US401k Calculator Mississippi 2026
Mississippi 401(k) projections — flat 4.7% state tax; 2026 contribution limits, $8,000 catch-up 50+, typical 3–6% employer match.
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US401k Calculator Arkansas 2026
Arkansas 401(k) projections — progressive tax up to 4.4%; 2026 $24,500, $72,000 combined limit, employer match 3–6%.
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US401k Calculator Utah 2026
Utah 401(k) projections — flat 4.55% state income tax; 2026 IRS limits, catch-up $8,000 for 50+, $72,000 with employer.
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US401k Calculator Idaho 2026
Idaho 401(k) projections — progressive tax up to 5.8%; 2026 401(k) limits, typical 3–6% match, Roth vs traditional context.
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US401k Calculator New Mexico 2026
New Mexico 401(k) projections — progressive tax up to 5.9%; 2026 $24,500 employee limit, $72,000 with employer, catch-up rules.
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USSocial Security Calculator
Estimate retirement benefits by claiming age (62–70), FRA comparison, lifetime to 85, and simplified spousal benefits.
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USSocial Security COLA 2027 Calculator
Your 2027 Social Security payment after the 3.6% COLA and Medicare Part B, with IRMAA tiers and the 2027 payment calendar.
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CARRSP Calculator Canada
Estimate RRSP tax savings by province and project retirement growth with a year-by-year schedule.
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CARRIF Calculator Canada
Calculate your RRIF minimum withdrawal with CRA factors, OAS clawback check, spouse age election, and a 20-year balance projection.
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CACanadian Retirement Calculator 2026
Plan retirement with RRSP, CPP, and OAS. Province-by-province retirement tax context and benefit estimates.
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CARESP Calculator Canada 2026
Calculate your RESP growth and CESG grant for your child's education savings.
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Frequently asked questions
What is the RRSP contribution limit for 2026?
The dollar limit is $33,810 or 18% of your 2025 earned income, whichever is lower, plus any unused contribution room carried forward from previous years.
What is the TFSA limit for 2026?
The annual TFSA contribution limit for 2026 is $7,000. Cumulative room can reach up to $109,000 for those who have been eligible since 2009 and have never over-contributed.
Do you have RRSP calculators for all provinces?
Yes — we offer RRSP calculators for Ontario, BC, Alberta, Quebec, Saskatchewan, Manitoba, Nova Scotia, and New Brunswick, using province-specific marginal tax rates for refund estimates.
What is the CPP maximum benefit in 2026?
The maximum CPP retirement benefit at age 65 in 2026 is $1,507.65 per month before any adjustments; your actual benefit depends on lifetime contributions and the age at which you start.
What is the FIRE calculator?
FIRE stands for Financial Independence, Retire Early. Our FIRE calculator estimates how much you need to save to retire early based on expected annual expenses and a safe withdrawal framework such as the 4% rule, for planning only.