RetOptRetOptRetirement tax, worked out year by year

Let RetOpt calculate your most tax-efficient savings and withdrawal order

Results depend on the assumptions you enter. Not tax, investment or financial advice.

Which account you save into and spend from decides how much goes to tax. RetOpt works through the choices year by year and finds the order that leaves you the most after tax, on the assumptions you enter.

Try it on an example household first. Where do you live?

I live in Canada A 65-year-old in Ontario, $900,000 saved, spending $56,000 a year to 92, earning 2% a year above inflation. See how → I live in the United States A 66-year-old in Ohio, $940,000 saved, spending $70,000 a year to 92, earning 2% a year above inflation. See how →

Choose the country you live in. That decides which country the data for your plan is run and stored in; the plan itself can cover either country. We never ask for your name or email, and nothing is saved until you start a plan of your own.

What optimization is worth

The median gain over the usual approach, across test households in every province, territory and state, many of them created at random.

Extra to spend, every year
Singles+2.4%$1,962 a year
Couples+3.5%$4,355 a year
Business owners+5.0%$5,476 a year
Extra left at the end
Singles+13.6%$71,551
Couples+12.4%$170,787
Business owners+26.3%$232,954

All figures are after tax.

Medians: your result will differ. All but 2 assume investments earn 2% a year above inflation.

What you get

What you could spend

The top of a results page: what the plan leaves, and a bar showing how much of it optimizing adds over the usual approach
The most you could spend each year, or what you would leave at the spending you pick.

What each choice is worth

One of the plan's decisions, when to take OAS, with what it is worth in dollars
When to start government benefits, which account to draw first, and when to move money between them, each in dollars.

What-if sliders

The what-if sliders under a plan
Retire sooner, live longer, spend more: see what each one costs.

Year-by-year detail

The year-by-year table of deposits, withdrawals and tax
Every deposit, withdrawal, tax bill and benefit, by year, ready to print for your accountant.

Where it works

Every province and territory, including Quebec, and all fifty states plus the District of Columbia, on 2026 rules.

What it doesn't do

No "chance of success" score built on market assumptions you can't check. Where it can't answer reliably, it says so. The full list.

See what a better plan is worth to you.

I live in Canada I live in the United States