Sequence your retirement income, tax-efficiently.
A free Canadian tool that models CPP, OAS, pensions, RRSP/RRIF, LIF, TFSA and non-registered accounts — and finds the withdrawal order that minimizes lifetime tax.
Educational estimate. Not financial advice.
Net annual income
$58,400/yr
+12.4% tax savings vs. naive drawdown
The Income Sequencer
Model your full retirement and see the tax-optimal withdrawal order, year by year.
Open the toolLearn the Basics
Plain-language guides on CPP, OAS, RRIF rules, tax brackets, and withdrawal strategy.
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Case studies, rule changes, and strategy deep-dives for Canadian retirement planning.
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Plan before and after retirement with free Canadian tools for savings, spending, pensions, taxes, and retirement income.
Explore all toolsA companion to the Income Sequencer
Still saving for retirement?
Retirement Horizon helps you look ahead: estimate the retirement income your savings could provide, or find the annual savings needed to work toward your income goal.
Explore Retirement Horizon“We all have two lives. The second begins when you realize you only have one.”
Plan ahead. Then plan your withdrawals.
Retirement Horizon explores your savings and future income before retirement.
The Income Sequencer models how to draw from your accounts and benefits tax-efficiently in retirement.
How it works
Three steps to a tax-smarter retirement plan.
01
Enter your accounts
Add your RRSP, TFSA, non-registered, and LIF balances, plus CPP, OAS, and any pension.
02
Set your strategy
Pick a tax-smoothing target or let the optimizer find the maximum sustainable spending.
03
See the sequence
Get a year-by-year withdrawal plan that minimizes lifetime tax and avoids OAS clawback.
Ready to see your plan?
It takes two minutes to enter your numbers and get a full 30-year withdrawal sequence.
Launch the Income Sequencer