Terms of use
Last updated November 7, 2026
By using the Canadian Retirement Planner (the "planner") you agree to these terms. If you do not agree, please do not use it.
What the planner is
A free, general educational calculator. It is not financial, investment, tax, legal or accounting advice. Results are estimates under simplified assumptions, not predictions or guarantees. Please read the "Important information" section at the foot of the planner and speak with a qualified professional before making financial decisions.
What you may do
- Use the planner for your own personal, non-commercial planning.
- Print or save your own results and the user guide for your own use, and share a link to the planner.
What you may not do without written permission
- Copy, republish, host, sell, license or redistribute the planner, its code, calculation engine, user guide, text, tables or design, in whole or in part.
- Reverse engineer, decompile or extract the calculation logic to build or improve another product or service.
- Use bots, scrapers or other automated means to run calculations in bulk or collect content.
- Remove or alter copyright notices, or present the planner or its results as your own.
Copyright and third-party material
© 2026 Canadian Retirement Planner. All rights reserved. The planner's code, calculation methods, user guide and design are protected by copyright. Tax, benefit and market data come from the public sources listed in "Data sources and credits" and belong to their respective owners. Product and index names (such as S&P 500, S&P/TSX and MSCI EAFE) are trademarks of their owners and are used only to describe data.
No warranty and limit of liability
The planner is provided "as is", without any promise that it is accurate, complete, current or suitable for your purpose. Tax rules, benefit amounts and market data can be out of date or contain mistakes. To the fullest extent permitted by law, its author is not responsible for any loss or damage arising from the use of, or reliance on, the planner or its results.
Your information
The numbers you enter are stored only in your own browser on your own device so the planner can remember them. The planner has no accounts and does not send what you enter anywhere. Like any website, the hosting provider (Cloudflare) sees ordinary technical request information such as your IP address, and the page loads its fonts from Google Fonts.
Changes
These terms may be updated from time to time. The date above shows the latest version. Continuing to use the planner after a change means you accept the updated terms.