Whether retirement is 30 years away or just around the corner, FreshPlan makes it easy to bring clarity to the conversation. Highlight savings gaps, model withdrawal strategies, or project income needs—all without building a full financial plan.
FreshPlan’s flexible, visual tools support high-impact retirement discussions that adapt to each client’s needs, time frame, and level of detail.
Discover how key retirement planning calculators work together in FreshPlan.
Model a personalized retirement income timeline, including savings, withdrawals, and government benefits to show whether clients are on track.
Test if a retirement portfolio can support planned spending over time, accounting for inflation, returns, and longevity.
Calculate how much capital a client needs at retirement to fund a specific lifestyle, based on their income needs and time horizon.
Model different withdrawal strategies from registered and non-registered accounts to show tax impact and portfolio longevity.
Compare long-term outcomes of saving in an RRSP versus a TFSA, including tax treatment at withdrawal.
Compare the impact of two RRSP strategies—such as early vs. delayed withdrawals, or different contribution patterns—over time.
Explore the tax impact of withdrawing from an RRSP before or during retirement, including how it affects net income.
Calculate the withholding tax on one-time RRSP withdrawals based on amount and province of residence.
Compare the financial trade-offs of starting Canada Pension Plan (CPP) benefits early vs. delaying to age 70.
Estimate projected monthly benefits from CPP and Old Age Security (OAS) based on earnings history, age, and current entitlements.
Visualize how income affects OAS payments and identify strategies to reduce or avoid the pension recovery tax.
Help clients compare the lump-sum commuted value of a pension to the lifetime monthly pension income they’d receive.
Estimate required annual withdrawals from a Registered Retirement Income Fund (RRIF) and the tax implications of those withdrawals.
Model the minimum and maximum withdrawals allowed from a Life Income Fund (LIF), including provincial limits.
Determine total TFSA contribution room based on age, past contributions, and annual indexation.
Estimate current RRSP contribution room based on income, pension adjustments, and carryforward amounts.
The Retirement Planner models accumulation and withdrawal strategies across four key account types: RRSP · TFSA · Non-Registered · Money Purchase Plans
This helps clients visualize how their assets grow—and how they’ll be used to support retirement income. It’s a clear, engaging way to explore the sustainability of a retirement plan without overwhelming clients with tax assumptions or unnecessary complexity.
FreshPlan uses a before-tax approach to retirement income, which keeps the conversation focused and adaptable. For more advanced cases, advisors can layer in tax considerations separately.
Choose from up to 20 optional supporting tables that detail:
These can be included in client reports as needed—whether you’re providing a high-level overview or a full data breakdown.
Each retirement calculator is paired with client-friendly infographics that make it easier to explain key ideas. These visuals bring clarity to reports and support conversations around:
Save time by launching conversations from pre-built templates using your most-used tools.
Run single-need scenarios or create a full plan—on your terms, in under 30 minutes.
Model and compare different strategies side by side to help clients weigh trade-offs and feel confident in their decisions.
Combine calculators and infographics into polished, personalized reports clients can understand—and act on.
Let clients explore scenarios on their own. They come to meetings more engaged and ready for next steps.
Show the big picture with summary dashboards or go deeper with detailed tables—tailored to each client’s preference.
