HunchSee exactly how long your money lasts — and how to make it last longer.
Model RRSP, TFSA, CPP, OAS, pension, and non-registered accounts together. Find the withdrawal order, CPP timing, and income-splitting strategy that saves the most tax across your lifetime.
Download Hunch freeEvery Canadian retirement account, in one place.
Most retirement calculators treat your accounts in isolation. Hunch models them together — because the optimal withdrawal strategy depends on all of them at once.
Tax-deferred contributions with mandatory RRIF conversion at age 71. Annual minimum withdrawals by age, up to 95+, are modeled automatically.
Tax-free growth and withdrawals, forever. TFSA withdrawals do not trigger OAS clawback and do not affect other income-tested benefits.
Model your CPP start age from 60 to 70. Penalty of 0.6%/month before 65, bonus of 0.7%/month after 65 — automatically calculated.
Defer OAS from 65 up to 70 for up to 36% more per month. The clawback at $90,997 net income is applied each year automatically.
OMERS, HOOPP, PSPP, or any defined-benefit plan. Enter your annual benefit, indexing, and survivor fraction. Pension income credit is applied automatically.
ACB tracking with 50% capital gains inclusion rate. Withdrawals are modeled as capital gains, not income, keeping your marginal rate correct.
Locked-in retirement accounts and defined-contribution group plans. Converted to LIF at retirement with minimum and maximum annual withdrawal limits.
Full 2025 brackets for every province and territory except Quebec — ON, BC, AB, SK, MB, NB, NS, PEI, NL, YT, NT, NU.
From accounts to optimal strategy in three steps.
Enter your accounts
Add your RRSP, TFSA, pension, non-registered accounts, and any other savings. Enter current balances and expected contributions. The planner reads your real account balances from your synced Hunch data if you prefer.
Set your retirement date and income goal
Choose the year you plan to stop working, your target annual spending in retirement, and your province of residence. Add a spouse and their accounts if you are planning together.
Run the optimizer and compare strategies
Pick an objective — minimize lifetime tax, maximize estate, or maximize plan success — and run. The optimizer finds your best CPP timing, OAS deferral, and year-by-year withdrawal order, and shows you the tax savings versus a naive withdrawal strategy.
Built for the complexity of Canadian retirement.
Finds the year-by-year sequence — RRSP/RRIF, TFSA, non-registered, cash — that fills each tax bracket most efficiently. Tax savings versus a naive strategy are often tens of thousands of dollars.
Every start age from 60–70 modeled. Breakeven ages, lifetime income, and clawback exposure — all shown side by side.
2025 federal + provincial brackets for all provinces (ex-QC). Split pension income up to 50% to equalize marginal rates.
Net worth, income tax, CPP+OAS, RRIF minimums, and depletion risk charted from retirement to age 95.
Common questions.
What does the optimizer actually optimize for?
You choose the objective: minimize lifetime tax, maximize estate (after-tax wealth at death), or maximize plan success (minimize depletion risk). The optimizer evaluates your withdrawal order, CPP start age, OAS start age, and pension income splitting fraction simultaneously to find the combination that best achieves your goal.
Does it model my defined-benefit pension?
Yes. You can add a DB pension (OMERS, HOOPP, PSPP, or any other plan) with its annual benefit, indexing factor, survivor benefit, and bridge supplement. The planner integrates the pension income into your tax calculation each year — including the pension income credit — and accounts for it when splitting income with a spouse.
What about Quebec?
The retirement planner currently models all Canadian provinces and territories except Quebec. Quebec uses a separate provincial income tax return and QPP instead of CPP, which introduces enough complexity that we have not yet modeled it accurately. We will add Quebec support in a future update.
How accurate is the tax modeling?
The planner uses 2025 federal and provincial tax brackets, the basic personal amount, the age amount, the pension income credit, OAS clawback (at $90,997 net income), the 50% capital gains inclusion rate, and RRIF minimum withdrawal factors. It is designed for planning, not filing — it will not account for every individual deduction or credit, but the marginal rate and year-by-year tax estimates are structurally correct.
Can I model two spouses?
Yes. The planner supports two-person households. You enter each person's accounts, CPP/OAS projections, and pension income separately. The optimizer will find the pension income splitting fraction that equalizes marginal rates between spouses and reduce your combined tax each year.
What is RRSP meltdown and should I use it?
RRSP meltdown is a strategy of drawing down your RRSP in the years before CPP, OAS, and other income starts — deliberately filling lower tax brackets early to reduce the terminal tax hit when mandatory RRIF withdrawals kick in at age 71. The planner lets you set a meltdown floor (a minimum annual draw) and compares the lifetime tax outcome with and without it.
When should I start CPP?
There is no universal answer — it depends on your health, other income, tax bracket, and whether you have a spouse. Taking CPP before 65 reduces your monthly benefit by 0.6% per month (up to 36% less at 60). Deferring past 65 adds 0.7% per month (up to 42% more at 70). The planner models every start age from 60 to 70 and shows the impact on your lifetime income and estate.
Know your number before you need it.
RRSP, TFSA, CPP, OAS, and provincial tax — modeled together, optimized for you.
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