RetirePilot by YBL
Am I
okay?
Where to draw from, what could break it, and what happens if one of you dies. Your real numbers, real Canadian tax math, in plain language.
No sign-in needed for the quick check.
Live checkYour quick answer
You're on track.
Your money lasts past 95.
Rough guess. The full check asks about your income and savings.
You 60 and your partner 58, both retiring at 63. Savings split like our demo couple: 68% RRSPs, 17% TFSAs, 14% other. No workplace pension. Spending in today's dollars. FP Canada 2026 assumptions, real Canadian tax math.
See the full picture- Built by YBL
- Top 50 Modern Accounting Firm 2025
- 3,000+ clients
- Every province and territory
- FP Canada 2026 assumptions
Five questions, answered
A plan you can actually talk about.
Dave and Linda, Ontario demo on the FP Canada 2026 guidelines. Not a real client's plan.
01 · Are we okay?
02 · Where do we draw from?
03 · What could break it?
04 · What if one of us dies?
05 · What are our moves?
01 / 05
Are we okay?
116% funded at a safe return. Savings carry them from 63 to 71, then CPP and OAS take over.
02 / 05
Where do we draw from?
The best order leaves $220,019 more after tax than the usual one, in today's dollars.
03 / 05
What could break it?
Money lasted in 98% of 1,000 market paths.
04 / 05
What if one of us dies?
A 48% chance one of them reaches 95. The plan is built for the one who's left.
05 / 05
What are our moves?
9 dated moves this year, starting in January.
Dave and Linda, Ontario demo on the FP Canada 2026 guidelines. Not a real client's plan.
The difference
Most calculators vs RetirePilot.
| Feature | Most calculators | RetirePilot |
|---|---|---|
| Tax rules for your province | Yes | Yes |
| CPP and OAS timing tested | No | Yes |
| The order you draw from your accounts | No | Yes |
| Your corporation (CDA, dividends, business sale) | No | Yes |
| What happens if one of you dies | No | Yes |
| A dated list of what to do this year | No | Yes |
"Most calculators" means the typical free online retirement calculator. Some do more.
Built for every province and territory.
Tap yours to try the live check with its tax rules.
For business owners
Your corporation counts.
Most retirement calculators ignore your corporation. Ours doesn't.
- Capital dividends first, when your corporation has them.
- A mix of dividends that considers the Old Age Security clawback.
- A business sale, including the capital gains exemption when it applies.
Where the money comes from
Personal + corporate draws
Sam and Priya, Ontario holding-company demo with 2026 Ontario corporate rates. Not a real client's plan.
Built to be checked
It checks its own math.
Balances, taxes and withdrawals are checked year by year in the demo plan.
1,443
Self-checks · 0 broken
Something to take home
What you leave with.
A year-by-year playbook
See what to draw from, and when.
This year's dated checklist
Know which moves come next.
A YBL PDF report
Keep the full plan close at hand.
Questions
Fair questions.
Once a year