Learn
Understand CPP, OAS, pensions, RRSPs, TFSAs, and retirement income in plain language.
Built for Albertans planning retirement
Understand retirement.
Retire with confidence.
Learn retirement in plain language, use free planning tools, and build a personalized retirement plan you can update as life changes.
✓ No sign-up required
✓ Educational tools
✓ Alberta focused
Retirement Confidence Score™
87/100Clear numbers. Plain-language next steps.
Monthly Income$5,840
Income Gap+$420
ReportReady
Learn → Plan → Grow
A simple retirement journey
Start by learning the basics, then build your plan, and come back later when your pension, savings, debt, or goals change.
Plan
Use calculators, checklists, reports, and couples planning tools to build your retirement plan.
Grow
Return whenever life changes and update your plan as your retirement picture becomes clearer.
Where should I start?
Choose the path that fits you.
Whether you are just learning the basics or ready to run numbers, Retirement Ready Alberta gives you a simple place to begin.
📚
I am just starting
Learn how retirement works before looking at the numbers.
📊I want to know if I am on track
Use the Retirement Readiness Calculator and Confidence Score™.
👥We are planning as a couple
Combine spouse or partner income, savings, CPP, OAS, and pension estimates.
🇨🇦I need help with CPP and OAS
Understand federal retirement benefits in plain language.
Learn
Retirement Academy
Short, beginner-friendly lessons that explain retirement one topic at a time.
🏡
Retirement Basics
Learn where retirement income comes from and how the pieces fit together.
🇨🇦CPP Made Simple
Learn when CPP can start and why timing matters.
👴OAS Made Simple
Understand Old Age Security and the recovery tax in simple terms.
💼Workplace Pensions
Understand DB pensions, DC pensions, LAPP, PSPP, and survivor options.
💰RRSP vs TFSA
Learn how these accounts work and how they can support retirement.
🧮Try the Tools
After learning the basics, apply them using the planning tools below.
Plan
Free retirement planning tools
Use the tools to turn what you learn into a simple retirement snapshot, checklist, and printable report.
📊
Retirement Calculator
Estimate savings, income, gaps, and retirement readiness.
📈Confidence Score™
Turn your retirement numbers into a plain-language score.
👥Couples Planner
Plan as a household with spouse or partner numbers included.
🇨🇦CPP Optimizer
Compare CPP at 60, 65, and 70 using your estimate.
📄Retirement Report
Create a beginner-friendly report you can print or save.
✅Retirement Checklist
Get next steps based on how close you are to retirement.
Why this site exists
Retirement should be easier to understand.
Many retirement websites use complicated financial language. Retirement Ready Alberta is built for regular Albertans who want clear explanations and practical tools.
Retirement Ready Alberta helps you:
- Understand retirement income sources.
- Plan with your own numbers.
- Create a report you can review later.
- Come back when your life changes.
Grow
Coming later: My Retirement Dashboard
Eventually, visitors will be able to save a plan, return each year, update pension or savings changes, and track their Retirement Confidence Score™ over time.
🔄
Annual Retirement Check-Up
Update salary, pensions, debt, contributions, and retirement age.
📁
Saved Plans
Return later instead of starting from scratch.
🤖
AI Retirement Coach
Ask questions and get plain-language explanations.
Featured tool
Couples Retirement Planner
Retirement is often a household decision. Use the couples option to combine spouse or partner RRSP, TFSA, CPP, OAS, and workplace pension estimates into one retirement readiness score, dashboard, checklist, and report.
- Combine both CPP and OAS estimates.
- Add spouse or partner pension income.
- Review one household retirement picture.
Start here
Retirement Readiness Calculator
Enter your information below. Use the help icons if you are unsure what a field means.
Complete the required fields below to receive your personalized Retirement Readiness Report. Example numbers are shown only as light grey hints.
Your entries are saved in this browser.
Your numbers
Retirement Budget Planner
Choose Simple if you already know your monthly retirement target, or Detailed to build your target from expenses.
Use this if you already know your monthly retirement income target.
Turn this on to use the Couples Retirement Planner. Add spouse or partner income, savings, CPP, OAS, and pension estimates for a combined household retirement assessment.
Dashboard
Retirement Dashboard
Complete the calculator above to generate your dashboard.
Score
Savings at Retirement
Monthly Income
Income Gap
Savings Growth
Monthly Income Breakdown
Income Gap Meter
CPP planning
CPP Optimizer
Compare starting CPP at 60, 65, and 70 using your estimated CPP at age 65.
| Start Age | Estimated Monthly CPP | Difference vs. 65 | Simple Explanation | Use in Plan |
|---|---|---|---|---|
| 60 | Lower monthly payment, but income starts earlier. | |||
| 65 | Standard comparison age. | |||
| 70 | Higher monthly payment, but income starts later. |
Delaying CPP can increase monthly income, but the best choice depends on health, cash flow, taxes, pensions, spouse income, and life expectancy.
Retirement planning made simple means showing where the numbers come from. These are planning estimates, not financial advice.
Next steps
Personalized Retirement Checklist
Complete the calculator to generate your checklist.
Printable
Retirement Readiness Report
Your personalized beginner-friendly retirement summary.
Complete the calculator above to generate your report.
Individual Retirement Plan
Retirement Ready Alberta Summary
Readiness Score
Status
Savings at Retirement
Monthly Income Estimate
What This Means
Your Estimated Monthly Retirement Income
This section shows your individual retirement income only.
- CPP estimate:
- CPP strategy:
- OAS estimate:
- Workplace pension estimate:
- Estimated monthly withdrawal from savings:
- Desired monthly lifestyle income:
- Debt payments included in retirement need:
- Total monthly income target used in calculation:
- Estimated monthly income tax:
- Estimated monthly take-home income:
Possible Risks
Suggested Next Steps
Beginner Note
This report is an educational estimate only. It does not replace professional financial advice. Retirement planning should also consider taxes, inflation, health costs, pension survivor options, CPP timing, OAS clawback, estate planning, and debt.
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