About The Retirement Beast
Planning retirement is one of the biggest financial projects most Canadians will ever run — and one of the least transparent. The Retirement Beast exists to change that.
Our mission
Give every Canadian free access to pro-level retirement planning — accurate CPP/OAS/GIS estimates, tax-smart withdrawal thinking, and full cash-flow projections — with no finance degree, no advisor fees, and no sales pressure.
What we stand for
Always Free
Every calculator and guide is free. No paywalls, no premium tier gating core math, no hidden costs.
Accurate Canadian Math
Federal and provincial tax, OAS clawback, GIS, RRIF minimums, and CPP timing — sourced from CRA and Service Canada and versioned by year.
Plain Canadian English
Retirement rules are complicated enough. We explain everything in clear language so you can act with confidence.
Canada-Only
No 401(k)s or Social Security. Built for CPP/QPP, OAS, RRSP, TFSA, RRIF, and provincial tax realities.
No Conflicts of Interest
We don't sell products, generate advisor leads, or steer you via affiliates inside calculation results.
Privacy-First
Core calculations run on your device. No account required. Optional email capture is never required for tools.
Meet Froogal
Froogal is our furry guide — warm, professional, and always plain-spoken. Froogal is a mascot, not a licensed financial advisor. Every tool result includes that reminder.
Who's behind this
The Retirement Beast is an independent education project: free tools and plain-language guides for Canadian retirement planning. Content is produced by The Retirement Beast editorial team. Figures are verified against CRA and Service Canada and stamped with a verification date — see how we keep our numbers current. We are not a licensed advisory firm; every tool includes that reminder.
Our sources & how we stay current
Every figure in our tools and guides comes from official Government of Canada sources, is stored in versioned annual constants, and is stamped with a verification date. OAS and GIS amounts are refreshed each quarter; tax, CPP, and contribution limits are refreshed annually as the CRA and Service Canada publish them. Our primary sources include:
- Canada Revenue Agency — tax brackets, credits, RRSP/TFSA/FHSA limits, RRIF factors
- Service Canada — public pensions — CPP, OAS, GIS amounts and payment dates
- Our methodology — how the engine works, its assumptions, and the refresh cadence
- 2026 rules reference — every current figure in one place
Part of the Beast family
The Retirement Beast is a sibling of The Mortgage Beast — same craft, same privacy-first ethos, different life chapter.
Questions? Get in touch.