FIRECA: Retirement Planner

Plan your Canadian FIRE number, retirement income, TFSA/RRSP savings, CPP/OAS estimates, and net worth path in one simple calculator.

FIRECA helps Canadians plan their path to financial independence and retirement with a simple, visual FIRE calculator.

Estimate your FIRE number, project your portfolio over time, and see how today’s savings decisions may affect your future retirement timeline.

Built for Canadian planning, FIRECA helps you model: • Monthly income, expenses, and savings rate • TFSA, RRSP, and non-registered investments • Retirement age and financial independence targets • CPP and OAS income estimates • Withdrawal-rate planning • Inflation and investment return assumptions • Rental property income and sale scenarios • Spouse/partner retirement planning • Net worth snapshots and shareable summaries

FIRECA is designed for quick “what if?” planning. Adjust your assumptions and instantly see how your target number, retirement age, income gap, and portfolio path may change.

Use it to answer questions like: • How much do I need to retire? • Am I saving enough each month? • What happens if I retire earlier or later? • How do CPP and OAS affect my plan? • How long could my portfolio last? • What if I sell a rental property? • What does my FIRE path look like in today’s dollars?

FIRECA keeps the experience lightweight and focused. No complicated spreadsheets. No account sign-in required to start planning. Just clear numbers, charts, and retirement scenarios you can understand at a glance.

Important: FIRECA is for educational and planning purposes only. Results are estimates based on the assumptions you enter. It is not financial, investment, tax, legal, or retirement advice. Consider speaking with a qualified professional before making major financial decisions.