User guide

Retirement Planner for Mac

Bring CPP, OAS, GIS, RRSPs, TFSAs, pensions, investments and property into one plan, see your after-tax income for every year of retirement, and find out whether your savings will last.

Get started Browse all chapters

The Retirement Planner window showing a client’s retirement income chart

Start here

STEP 1Install and take the tourFirst launch, the guided tour and the free trial. STEP 2Add a clientName, birthdate, province, planning age and a spouse. STEP 3Build a strategyEnter each income source and the budget you need. STEP 4Read the resultsThe income chart, the table, and whether the plan is on track.

All chapters

Advisor Advisor plan only

Start

Getting startedInstall, the guided tour, the 1-week trial.
A tour of the windowClients, strategies, income tabs and the chart.
How a plan worksAges, go-go / slow-go / no-go years, inflation, after-tax.

Clients and strategies

Clients and profilesAdding a client and every profile field.
Spouses and partnersLinking two clients and their strategies.
StrategiesScenarios, the settings bar, copying a budget.

Government benefits

Canada Pension Plan (CPP)Estimates, start age, break-even, CPP timing.
Old Age Security (OAS)Deferral, residence years, clawback.
Guaranteed Income SupplementWho qualifies and how it is worked out.

Pensions and savings

Pensions and annuitiesWorkplace pensions, annuities, other income.
RRSP and RRIFContributions, withdrawals, RRIF conversion.
TFSABalances, contributions, tax-free withdrawals.
Business incomeMoney held in your own company.
InvestmentsNon-registered savings and withdrawals.

Property, debt and budget

Real estateProperties, mortgages and selling.
DebtLoans and their repayment.
BudgetSpending through retirement, by age.

Results

The retirement income chartChart types, budget line, net worth.
The table viewYear-by-year numbers.
Comparing strategiesUp to four strategies side by side.
Household modeCombined income and pension splitting.
How taxes are estimatedFederal and provincial tax, credits, clawback.

Planning tools

Withdrawal experimentsAlign to budget, drain by end, optimize order.
AI withdrawal strategyA suggested plan, explained.
Stress testMonte Carlo: how often the plan holds up.
Client report (PDF)A printable report for a meeting.

Your data and account

Plans and purchasesPro, Advisor, buying outright, restoring.
PreferencesGeneral, AI, Subscription, chart settings.
Where your data is keptThe data file, backups, a custom folder.

Reference

Frequently asked questionsCommon questions, answered.
GlossaryRetirement and app terms.
Legal noticesNot advice, estimates, privacy.
What’s newChanges by version.

Not financial or tax advice. Retirement Planner produces estimates for planning. Talk to a qualified financial advisor or tax professional before you act on them. See Legal notices.