CPP & OAS Timing Optimizer
Model when to start CPP and OAS based on your savings, spending, risk profile, and life expectancy — including breakeven analysis, the "invest it early" argument, and RRSP drawdown tax strategy.
Try This ToolFree Financial Planning Tools for Ontario
Simple tools to help you understand where you stand financially. Whether you are deciding between an RRSP and TFSA, estimating your retirement income, or checking how prepared you are — start here. While no online tool can replace a personalized plan from a financial advisor in London, Ontario, these are a great starting point.
Ontario Retirement Calculator
Get a rough estimate of how much you need to retire in Ontario — including CPP, OAS, and your investment income.
Try This ToolRRSP vs TFSA Decision Tool
Not sure whether to contribute to your RRSP or TFSA? Answer a few questions and get a recommendation based on your situation.
Try This ToolRetirement Readiness Scorecard
Answer 10 quick questions and find out how prepared you are for retirement — plus specific steps to improve your score.
Try This ToolRelated Resources
Go deeper with these guides on retirement, investments, and tax strategy in Ontario.
RRSP vs TFSA Guide
The complete Ontario comparison — which account is right for you?
How Much to Retire in London
Real numbers for retirement in London, Ontario.
Investment Fees Explained
How high fees silently erode your retirement savings.
Retirement Checklist
Everything to check before you retire in Ontario.
OAS Optimization Strategies
How to maximize OAS and avoid the clawback in Ontario.
GICs vs. Investing in 2026
Compare GICs to diversified investing for Ontario savers.
RESP Guide for Ontario Parents
CESG grants, contribution limits, and withdrawal strategies.
Estate Planning for Ontario Families
Wills, powers of attorney, probate fees, and what you need to know.
Financial Tools FAQ
Are these financial planning tools really free?
Yes — all tools on this page are completely free to use. They are designed to give you a starting point for understanding your retirement readiness, RRSP vs TFSA decision, and overall financial health. For a personalized analysis, you can book a free 15-minute call.
How accurate are online retirement calculators?
Online calculators provide useful estimates, but they cannot account for every variable in your situation — such as future tax law changes, health costs, or market fluctuations. They are a good starting point for understanding roughly where you stand. A comprehensive financial plan from a qualified financial advisor will give you a much more accurate year-by-year projection.
Should I use an RRSP or TFSA for retirement savings in Ontario?
It depends on your income and expected retirement tax bracket. Generally, if you earn over $55,000, the RRSP tax deduction is more valuable. If you are in a lower bracket or need flexible access to your money, the TFSA is often better. Use our free RRSP vs TFSA Decision Tool for a personalized recommendation, or read our detailed RRSP vs TFSA guide.
What is a retirement readiness score?
A retirement readiness score measures how well-prepared you are for retirement across key dimensions: savings rate, investment strategy, tax efficiency, insurance coverage, estate planning, CPP/OAS timing, and more. Our free scorecard evaluates all 10 areas and gives you actionable steps to improve your score.
Want a personalized analysis?
These tools give you a starting point. A free 15-minute call gives you real answers for your specific situation.
Or reach out anytime — I respond personally.