Unbiased financial planning for Canadian DIY investors. Track, simulate, and compound your wealth locally, model target nest egg goals, and sequence your Tax Meltdown strategy.
One plan for every Canadian — from the simplest retirement to the most complex.
Est. lifetime tax on this RRSP if left until 71:
*5% growth assumed. Forced RRIF minimums at high brackets.
Save My Nest Egg from TaxesRetirement isn't one-size-fits-all. Pick the path that fits your life — we'll tailor everything from there. You can always go deeper later.
You're single or a couple with an RRSP, a TFSA, and CPP/OAS. You want a straight answer.
A household with a home, savings, maybe a pension. You want to coordinate as a couple and pay less tax.
Business owner, rental properties, large portfolios, an estate to protect. You want the full engine.
Not sure where you fit? Take the free 3-minute check and we'll point you to the right path.
Banks want to manage your money forever, telling you to "never touch your RRSP." We use institutional math to prove why that's the worst thing you can do.
We mathematically calculate the exact dollar amount to withdraw from your RRSP early — filling the lowest tax brackets and dodging the massive 54% estate penalty later.
Automated simulations to perfectly balance taxable income across spouses post-65, minimizing marginal impacts and OAS clawbacks.
Model the tax payable on your final RRIF at death, and see strategies to pass more of your estate to your family tax-efficiently.
Taking CPP at 60 is usually a mistake. We plot exact break-even ages and structure withdrawals to avoid the devastating 15% OAS Clawback threshold.
Optimize BenefitsImport holdings via broker statements (CSV) or sliders. Check HHI concentrations, forecast passive yields, model volatility, and run lognormal Box-Muller Monte Carlo target timeline projections.
Explore Nest Egg GrowthYour portfolio holds zero remote database records. Everything operates fully sandboxed in client-side memory and local state caches, meeting bank-grade PIPEDA standard protection.
Generate a master withdrawal table with exact amounts by year — from your current age to 95.
Gain instant access to the dual-sequencing engine and exact withdrawal amounts to minimize lifetime taxes.
Claim Free Founder Access →| Age | Income | Unopt. Tax | Opt. Tax | RRSP Draw | RRSP Bal. |
|---|---|---|---|---|---|
| 60 | $85,000 | $22,100 | $9,240 | $42,500 | $450,230 |
| 61 | $87,125 | $23,000 | $9,510 | $44,100 | $428,100 |
| 62 | $89,303 | $24,100 | $9,800 | $46,000 | $403,500 |
| 63 | $91,535 | $25,200 | $10,120 | $48,000 | $376,000 |
| 64 | $93,824 | $26,300 | $10,450 | $50,000 | $345,000 |
| 65 | $96,170 | $27,500 | $10,800 | $52,000 | $310,000 |
Stop paying $3,000+ for a static PDF report. Get dynamic, algorithmic optimization for the price of a lunch.
Lifetime access · Full access (a $189 value) free as a founder.