Retirement Income Calculator

Cascades is a Canadian retirement income calculator that takes the complexity out of retirement income planning. It works by revealing the income tax savings of three competing withdrawal strategies and has been proven to save users thousands of dollars. The Cascades calculator clearly summarizes your annual retirement income and taxes based on the level after-tax income it solves for. Cascades' goal is to help you implement the best retirement income strategy possible.


Easy to use

Cascades retirement calculator software starts with a simple questionnaire. Once this is filled out your work is done, and reports are created in seconds revealing the best income withdrawal strategies.

Solves for Couples

Plan as a single individual or a couple for a one-time fee of $85. When solving for couples the calculator maximizes income by taking into account important planning strategies such as income splitting.

On Demand

Cascades is a cloud-based calculator, so it’s accessible anywhere with an internet connection. Simply log in to your account and complete our guided questionnaire to receive an instant report.


Cascades is committed to helping Canadians achieve their full potential. Our online resources help deepen practical financial planning knowledge, and our experienced team of advisors is always available to help.


Securing your data is important to us. Cascades maintains privacy and data integrity by only collecting the information it needs, and uses an industry standard TLS encryption protocol.

System Requirements:

CascadesFS’ software does not currently support Apple Safari and Microsoft Edge browsers. For an optimal experience we recommend using Google Chrome.
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