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The Canadian Retirement Income System
Pillar guide: CPP/QPP, OAS, GIS, workplace pensions, RRSP/RRIF, TFSA, and tax.
Read guideWhen to Take CPP
Early vs late: −36% at 60, +42% at 70, and how to think about break-even.
Read guideOAS Clawback Explained
Recovery tax threshold, 15% phase-out, and practical modelling tips.
Read guideRRSP vs TFSA (vs FHSA)
Where the next dollar goes — rates now vs later, room, and flexibility.
Read guideThe First Home Savings Account (FHSA)
Deduction in, tax-free out — the best account for a first home, and how it stacks with the HBP.
Read guideRRIF Minimum Withdrawals
The age-71 conversion, minimum factors, the spousal-age election, meltdown, and LIF/LIRA.
Read guideRRIF Minimum Withdrawal Table
Every 2026 prescribed factor from age 55 to 95+, with dollar minimums per $100k and $500k.
Read guideCPP at 60 vs 65 vs 70
The exact 2026 monthly amount at every start age — average and maximum, with the permanent adjustment.
Read guideRetirement Withdrawal Order
Decumulation strategies compared — how draw order changes lifetime tax and clawback.
Read guideGIS & the Allowance
Benefits for lower-income seniors — income tests, amounts, and why the TFSA matters.
Read guidePension Income Splitting
How couples cut tax and protect OAS by splitting eligible pension income.
Read guideHow Much Do You Need to Retire in Canada?
Replacement rate, the 4% rule, and how CPP/OAS shrink your savings target.
Read guideAverage & Maximum CPP Payment (2026)
The 2026 maximum, the lower average, and your amount by start age.
Read guideThe CPP Child-Rearing Provisions
Raised young children on reduced earnings? CPP can leave those years out — but only if you ask.
Read guideCPP Payment Dates (2026)
All 12 Canada Pension Plan deposit dates for the year.
Read guideOAS Payment Amounts & Dates (2026)
How much OAS pays at 65–74 and 75+, and when it lands each month.
Read guideTFSA, RRSP & FHSA Limits (2026)
Every registered-account contribution limit in one place.
Read guideThe CPP Enhancement & CPP2
The second earnings ceiling and why younger workers get a bigger CPP.
Read guideThe 4% Rule in Canada
Sizing retirement withdrawals — and where the rule breaks.
Read guideWorkplace Pensions: DB vs DC
How employer pensions work, the pension adjustment, and leaving a job.
Read guideLIRA & LIF (Locked-In Accounts)
Pension money that followed you — how it works and unlocks.
Read guideAnnuity vs RRIF
Guaranteed income versus flexibility in the payout phase.
Read guide2026 Rules Update
TFSA/RRSP/FHSA limits, YMPE, OAS clawback threshold, and what we ship in code.
Read guide