RETIREMENT PLANNING — 2026
Canadian Retirement Planning: Your Complete Guide
CPP and OAS optimization, pension splitting, withdrawal strategies, and 30-year projections. Free tools and guides for Canadian retirees and pre-retirees.
Retirement Planning at a Glance
CPP: Max $1,507.65/mo at 65 — delay to 70 for 42% more
OAS: Max $742.31/mo at 65 — clawback starts at $95,323
Strategy: Withdrawal sequencing saves thousands in retirement tax
Retirement Guides & Articles
When Should You Start CPP?
Age 60 vs 65 vs 70 break-even analysis and optimal claiming strategy
CPP & OAS: Maximize Your Benefits
Deferral strategies, clawback thresholds, and income splitting
Retirement Planning Step-by-Step
From savings targets to withdrawal sequencing and estate planning
TFSA vs RRSP vs FHSA for Retirement
Which accounts to draw from first and tax-efficient sequencing
Retirement Key Facts (2026)
$1,507.65
CPP Max Monthly (age 65)
$742.31
OAS Max Monthly (age 65)
Age 74
CPP Break-Even (60 vs 65)
Get Your Retirement Projection
Personalized CPP/OAS optimization and 30-year forecast for all Canadian provinces.
Get Your Retirement Projection