RetirePay CanadaRetirement guides and calculators
Updated October 17, 2026
Plain explanations of the Canadian rules that shape retirement income, each with a free calculator. Figures come from Government of Canada sources and are the same ones the RetirePay Canada app uses.
OAS clawback 2026: threshold and calculatorHow the OAS recovery tax works, the $95,323 threshold, and what it could cost you.GIS income limits 2026 and eligibility calculatorMaximum GIS and the income cut-offs for singles and couples, October–December 2026.CPP at 60, 65 or 70: the trade-offHow much starting CPP early or late changes your pension, with a break-even calculator.RRIF minimum withdrawals: table and calculatorThe required yearly RRIF withdrawal by age, and when an RRSP must be converted.How much do you need to retire in Canada?Why there is no single number, what government benefits cover, and how to work out yours.
General information, not financial, tax or legal advice. Amounts are rounded estimates; Service Canada and the Canada Revenue Agency determine actual payments. RetirePay Canada is independent and not affiliated with the Government of Canada.