RetOpt’s Retirement Drawdown Calculator

Field notes

RetOpt frames retirement planning as a search across withdrawal decisions, rather than as a projection using one average tax rate. Its stated model tracks each year’s withdrawal, tax, and benefit across a thirty-year horizon, including details such as RRIF conversion, CPP and OAS timing, GIS, credits, and clawbacks. The homepage says coverage extends across every Canadian province and territory and all U.S. states plus the District of Columbia, with jurisdiction-specific limitations documented separately.