Canadian money calculators that connect the whole plan
Start with the account decision, then follow the same money into retirement income. GrowThenDraw separates contribution room, tax deductions, source withholding and estimated final tax so one number never pretends to answer four different questions.
What are you trying to decide?
Fund a child's education
Audit RESP contributions, Basic and Additional CESG, catch-up room, the age-16/17 gate, CLB and the minimum amount for the maximum grant still reachable.
Build an RESP grant plan →Save for a first home
Check FHSA room, compare cash with an RRSP transfer, estimate a deduction and combine FHSA, HBP and outside deposit savings.
Build a first-home plan →Choose where to save
Compare taxable investing with TFSA room and an RRSP contribution whose deduction can cross tax brackets.
Start with RRSP →Plan the withdrawal
Separate the tax held back when money leaves an RRSP from the bracket-tax estimate for the year.
Test an RRSP withdrawal →Choose when to start CPP
Use your official age-65 estimate to compare monthly CPP, income deferred while waiting, cumulative break-even ages and present value from 60 to 70.
Compare CPP start ages →Check OAS recovery
Separate a planned RRSP, RRIF or other taxable-income decision and see the 2026 OAS recovery tax it can add.
Estimate OAS clawback →Turn savings into income
Apply RRIF minimums, compare planned income and see how long the remaining balance may last.
Plan RRIF income →Pick the calculation you need
Each page states its assumptions, important exclusions and the date its local rules were checked.
RESP and CESG calculator
Separate Basic and Additional CESG, enforce both lifetime caps, test the age gate and solve a grant-efficient level contribution from actual records.
Open calculator →CPP start-age calculator
Apply the official monthly adjustment to your Service Canada age-65 estimate, compare break-even ages, taxes, bridge income and present value.
Open calculator →OAS clawback calculator
Apply the 2026 threshold and 15% recovery rate, compare OAS kept before and after a taxable-income decision, and audit the age-specific range.
Open calculator →FHSA calculator
Check cash contributions and RRSP transfers against room, estimate 2026 bracket-tax savings and project a deposit with optional HBP funds.
Open calculator →RRSP refund and tax savings calculator
Keep contribution room and deduction claimed separate, estimate bracket-level tax savings and project the invested amount.
Open calculator →TFSA contribution room calculator
Reconstruct room from the official annual limits, handle withdrawal restoration timing and project tax-free growth.
Open calculator →RRSP withdrawal tax calculator
Compare source withholding with estimated federal and provincial bracket tax, or solve the gross request for a cash target.
Open calculator →RRIF withdrawal calculator
Calculate the annual minimum, test a higher planned withdrawal and project the remaining registered balance.
Open calculator →Investment calculator
Project regular contributions with editable return, fee, inflation and Canadian account assumptions.
Open calculator →Investment withdrawal calculator
Model withdrawals, fee drag, capital-gains treatment, depletion risk and the highest sustainable starting amount.
Open calculator →Invest-then-withdraw plan
Carry a regular investment plan into retirement withdrawals without retyping the opening portfolio.
Open calculator →Move from saving to withdrawal or debt decisions without hunting through an unrelated directory.
Calculation stages, assumptions and exclusions stay beside the answer instead of being hidden in fine print.
Share links, CSV and print/PDF work without an account, email address or lead form.
Canada guides
RESP contributions and CESG catch-up: the 2026 rules
Understand when $2,500 earns $500, when $5,000 can earn $1,000, why Additional CESG is different and how the age-16/17 gate can close.
FHSA contribution room, tax deductions and first-home withdrawals
Separate participation room from deductions, see why an RRSP transfer is not deductible, and follow a worked first-home deposit example.
CPP at 60 vs 65 vs 70: payment and break-even guide
Use your Service Canada age-65 estimate to compare permanent monthly adjustments, cumulative income and the cash-flow bridge created by waiting.
OAS clawback Canada: 2026 threshold and withdrawal impact
Connect 2026 net world income, the 15% recovery tax and a planned RRSP or RRIF withdrawal without confusing OAS recovery with ordinary income tax.
RRSP refunds and tax savings in 2026: a calculation guide
Separate contribution room from deduction limits, calculate the tax value across federal and provincial brackets, and avoid treating an estimated reduction as a final refund.
RRSP vs TFSA in Canada: which account should come first?
Compare both accounts on the same after-tax cash cost, understand when tax rates matter, and avoid a one-size-fits-all answer.
RRIF minimum withdrawals in Canada: factors, tax and examples
See how the yearly RRIF minimum is calculated, why withholding is not final tax, and how an RRIF differs from an ordinary RRSP withdrawal.
TFSA contribution room in 2026: limits, withdrawals and examples
Rebuild your available room from CRA rules, understand why a withdrawal returns next year, and keep account growth separate from contribution limits.