Your pensions, your withdrawals, your income, year by year.

When to start or and , which account to draw from first (, or ), pension splitting: Plus compares the choices and shows your after-tax income, every year.

Make my free plan

Free, no account. You move to Plus only if you want to.

An older couple walks arm in arm in the snow.

Sample household

Diane and Robert, 61 and 59, Trois-Rivières

Example: Québec

$1,562a month
from the QPP by waiting until 70, instead of $1,100 at 65
82years old
the age after which waiting pays more in total
$16,740a year
the RRIF minimum at 72, on $310,000

The example’s answers

Diane and Robert earn $84,000 and $52,000 a year and have $310,000 in RRSPs. Diane’s statement shows a pension of $1,100 a month at 65. Worked out by the Huard & Co engine under 2026 rules, from these answers.

What Plus does for you: Retire

When to start CPP or QPP and OAS, which account to draw from first, pension splitting, and your income year by year.

When to start your pensions
Your pension by the age you start it, and the age after which waiting pays off. Plus compares the combinations for both of you, OAS included.
Your QPP pension, by the age you start itSample household
Age 60
$722a month
Age 65
$1,100a month
Age 70
$1,562a month
Waiting until 70 pays more in total if you live past 82.
OAS: $752 a month at 65, $1,023 at 70.
2026 rules, with official sources in every calculation.
When to start, for you
Your own amounts, before and after waiting, and the odds of living to the age where waiting pays.
Diane: her QPP pension at 65 or at 70Sample household
Started at 65
$1,100a month
Started at 70
$1,562a month
Waiting pays off
from age 82
Odds of getting there
a 82% chance Diane lives past 82
Survival table of the 2026 Projection Assumption Guidelines, for a woman her age. It’s an average: health and family history matter more.
2026 rules, with official sources in every calculation.
Your withdrawals, year by year
The RRIF minimum, the order of the accounts and the tax that follows: Plus compares withdrawal orders and your scenarios (stop earlier, go to four days, sell the house), with your income, year by year.
The RRIF: the minimum to withdraw each yearSample household
At 72
5.40%
of the January 1 balance
At 75
5.82%
of the January 1 balance
At 80
6.82%
of the January 1 balance
At 72, on their $310,000: at least $16,740 that year.
2026 prescribed factors. Plus compares withdrawal orders (RRSP or RRIF, TFSA, non-registered) and shows their income and tax, year by year.
2026 rules, with official sources in every calculation.

One Plus, one price

The same Plus for every stage: it opens on your stage’s tools, and you switch when your life does.

Plus

Your plan, kept current, month after month.

Cancel renewal in one click, anytime. We email you 7 days before each renewal.

The monthly check-in (2 minutes)
Your TFSA, RRSP and room watched
The Plan for the year included

Everything included

Scenarios and your stage’s tools
What your actions are worth, confirmed
Everything in Free

Plus adapts to your stage

StartFirst steps, at any age
Student loans, a card, your cushion and your employer’s match in the right order, your first big purchases, the raise ahead, and each month what’s yours, guilt-free.
BuyA first home in sight
FHSA, and TFSA: your down payment account by account, the tax you save, and the purchase year in your plan.
FamilyKids, or one on the way
The and its grants, child benefits, parental leave: what each child changes, year after year.
BuildYou already invest
Where each dollar goes once your accounts are full, what your fees cost in years, your financial independence date, and what to do with a raise, a bonus or a tax refund.
Retire55 and over, or retiredYou are here
When to start CPP or QPP and OAS, which account to draw from first, pension splitting, and your income year by year.

Everything in Plus

See Plus before you pay

Open Plus as Diane and Robert, the fictional example on this page, with no account and no payment. Nothing is saved and your own plan is never touched.

Try Plus with an example

Your questions

55 and over, or retired

CPP or QPP at 60, 65 or 70?

Each month you wait after 65 raises the pension; each month before lowers it. In the example, waiting until 70 pays more in total for anyone who lives past 82. Plus runs it with your statement, for both of you.

Which account should I draw from first?

RRSP or RRIF, TFSA, non-registered: the order changes each year’s tax and what’s left at the end. Plus compares the orders and shows which keeps the most for you.

Is pension splitting for us?

For a couple, reporting part of a pension in the other spouse’s name can lower the household’s tax. Plus counts it in its calculations when it applies.

I’m already retired. Is it useful?

Yes: how long your savings will last, how much you could spend, and this month’s withdrawals at your check-in. Nothing assumes you’re still working.

What if I change my mind?

Cancel the renewal in one click from your account, and access stays until the end of the paid year. We email you before every renewal. Your free plan stays yours.

Start with your free plan.

A few minutes, no account. Your plan shows you what to do this month; Plus keeps it current after that.