About RetirePay Canada

Updated October 17, 2026

RetirePay Canada is a retirement planning app and website for everyday Canadians: people who have worked hard and saved what they could, but don't have millions invested. It shows the monthly retirement income that CPP, OAS, GIS and your own savings could provide together.

Who makes it

RetirePay Canada is made by K&Y AI Labs, an Ontario sole proprietorship. It is independent: it does not sell investments, earn commissions or connect to bank accounts, and it is not affiliated with the Government of Canada.

Where the figures come from

• CPP, OAS, GIS and Allowance amounts from Employment and Social Development Canada, including the official quarterly GIS and Allowance rate tables.
• 2026 federal and provincial tax brackets and credits from the Canada Revenue Agency.
• Income context from Statistics Canada.

Information is used under the Open Government Licence – Canada and the Statistics Canada Open Licence. Each guide links to its sources.

How it is kept up to date

OAS, GIS and Allowance rates change every quarter, and tax and CPP figures every year. The app and these guides are checked against the official tables when they change, and every page shows the date it was last updated. Current figures are for October–December 2026.

What it is not

RetirePay Canada provides educational estimates. It is not financial, investment, tax, legal or retirement advice, and it does not recommend products or tell you what to do. Consider checking important decisions with a qualified professional.

Contact

Email support@retirepay.ca. Please don't include your financial details.