NowCapital.ca
NowCapital.ca is a free, anonymous Canadian retirement planner designed to give you an honest look at your financial future without the sales pitch.
Unlike bank tools that are designed to sell you mutual funds, NowCapital is a pure calculator. It handles the complex Canadian tax logic (OAS clawbacks, CPP integration, RRSP meltdowns) that simple online calculators miss.
This tool is designed to provide you with insights, but it is not a substitute for professional financial advice. Please consult with a qualified fee-only financial advisor for personalized guidance.
We believe your financial data belongs to you, not us.
100% Anonymous: No login is required to use the calculator. We do not ask for your name, email, or phone number to run scenarios.
Local Storage: Your financial profile is stored locally on your device (in your browser’s cache or your phone’s secure storage).
No Data Mining: We do not sell your financial data to banks, insurance companies, or advisors.
Zero-Knowledge Architecture: Even if you purchase a Premium upgrade, your payment information (handled securely by Stripe/Google) is decoupled from your financial profile. We know that you paid, but we don’t know what your net worth is.
FEATURES
Max Spend Calculation: Determines the maximum sustainable monthly spending in today’s dollars.
2025 Tax Accuracy: Supports current tax rates for all provinces/territories, including Ontario specific credits.
Smart Withdrawals: Optimizes RRSP, TFSA, and Non-Registered withdrawals to minimize tax.
Government Benefits: Accurate calculation of CPP/QPP and OAS, including deferral strategies and clawback rules.
Defined Benefit Pensions: Supports complex pension integration (OTPP, federal public service).
Couple Planning: Supports income splitting and spousal transfers upon death.
Inflation Indexed: All projections, contributions, and tax brackets are indexed to CPI.
Scenario Testing: Compare different retirement ages, investment returns, and life expectancy assumptions.
Estate Analysis: Calculates the net (after-tax) estate value to see what you leave behind.
Export Data (Premium): Download your complete plan as a .CSV file for your own Excel analysis.
Stress Testing (Premium): Run Monte Carlo simulations to test your plan against recessions and market crashes.
CONTACT US
Email: contact@nowcapital.ca
YouTube: @NowCapital-ca
Facebook: NowCapital
Instagram: @nowcapital.ca