Countworthy for financial planners and advisors

The retirement math you already check by hand, done the same way and dated.

RRSP, TFSA, CPP and OAS, drawn down year by year through RRIF minimums and tax, with the day CRA or Service Canada last changed a number on every page.

Ask about calculators for your practice See rates

Live. Ontario, age 65 to 74, $110,000 of net income. Nothing you type leaves the page.

How the retirement numbers are verified

Every RRIF factor, CPP and OAS adjustment, and tax bracket cites the CRA or Service Canada page it came from, with the date we last read it — a specific link and date per figure, not a blanket disclaimer at the bottom of the page.
Before a page ships, a second person re-derives the whole projection by hand from the same sources, independent of whoever built the calculator. That pass on the retirement calculator caught two real defects before release: the first RRIF minimum was being taken at the age-72 factor instead of the age-71 factor CRA actually keys to, and the OAS clawback was being income-taxed as well as repaid — an error that would have overstated lifetime tax by roughly $79,000 on a $1.8 million RRSP drawn from age 60. Both are now asserted by the test file, so neither can silently come back.
Every calculator ships with a plain Node test in the open repository, asserting its output against figures worked out by hand from the cited sources — no framework, no fixtures, runnable from your own command line. And a freshness gate fails the build once a page’s source is due to have moved, so a stale bracket can’t sit behind a confident-looking date. How we verify, in a planner’s vocabulary →

Formula last verified10 September 2026
SourcesCRA and Service Canada
Tests36 suites, run from one command
FoundersMeet the team
Client referencesnone published yet — we would rather show none than invent one

The tools

Retirement

RRSP, TFSA and non-registered savings run year by year through CPP, OAS, mandatory RRIF minimums and real tax, in today’s dollars.

OAS Clawback

The recovery tax on a client’s income, the OAS kept after it and after tax, and the deduction that would bring them back under the threshold.

CPP Start Age

What CPP pays at 60, 65 or 70, and the break-even ages between them.

Capital Gains

The 50% inclusion rate applied to a sale, and the extra tax it adds on top of a client’s other income.

Rates

Offer

What it is

Price

Turnaround

White-label embed of an existing tool

One of our 22 Canadian tools, in your colours and name

$300/yr

1 business day

Custom calculator, single jurisdiction

Built to your spec, for one province or one rule set

from $1,500 CAD

5 business days

Yearly re-verification

Rates re-indexed every January, sources re-checked, tests re-run

20% of the build price per year

January

Prices exclude HST. 50% deposit, balance on delivery. You own the delivered code; the underlying engine stays ours to reuse.

A planner usually wants one or two client-facing numbers on their site, not a suite; this is a narrower, cheaper thing than planning software, and it does not try to be one.

Terms for professional use

Countworthy's calculators and the figures they produce are provided as tools, not as advice, and without warranty of any kind.

The professional using a calculator remains responsible for verifying any figure before relying on it for a client or member.

No calculator is guaranteed to fit a specific situation; nothing here overrides your own judgment or your own numbers.

To the maximum extent permitted by law, Countworthy accepts no liability for any loss arising from the use of a calculator or a figure it produces.

The code delivered for a custom build is the client's; the underlying engine, tax tables and verification pipeline remain Countworthy's to reuse elsewhere.

Under a yearly re-verification plan, sources are re-checked and rates re-indexed each January.

These terms, and any agreement between Countworthy and a client, are governed by the laws of the Province of Ontario.

Questions

Is this a substitute for planning software?

No. Planning software models a whole client file — assets, insurance, estate structure, scenario comparison across a career. This is a small set of sourced, dated calculators for the one or two numbers a visitor to your site actually wants before they book a call: what CPP pays at a given start age, what the OAS clawback does to a given income, how long a retirement projection lasts. It is meant to sit beside your planning software, not replace it.

How current is the CPP and OAS math?

CPP and OAS amounts, the recovery-tax threshold, and RRIF prescribed factors are cited to the Service Canada and CRA pages they come from, with the date we last read each one. A freshness gate in our own test suite fails the build once a figure is due to have changed — announced CPP/OAS quarters, the annual RRIF factor chart, a new tax year — so a page can’t keep serving a confident answer past the date its source moved. See the methodology page for how that check works.

Can I theme it to my practice?

Yes — a white-label embed takes your brand colour and firm name, and can carry your own credit line instead of ours. Ask for a preview channel below and we’ll send back a link themed to your practice before you commit to anything.

Talk to us

Ask about calculators for your practice Print the rate sheet All Countworthy for Business

Want to see it themed before you commit to anything? Ask and we’ll send back a preview link in your practice’s colours and name.