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This article explains how retirement income planning works in Canada, why taxes matter more than most people expect, and how decisions around CPP timing, OAS clawbacks, and RRSP withdrawal strategy can materially change outcomes.

As a new year begins, many Canadians focus on setting goals, reviewing budgets, and preparing for the upcoming tax season. But for those approaching retirement or already retired, early 2026 is one of the best times to review and plan retirement income — before tax decisions are locked in. Using Milestones Retirement Insights income planning software built for Canada allows you to understand how your income, taxes, and withdrawals will work together for the year ahead.

How does the DIY Retirement Planner work? The DIY Retirement Planner is designed for Canadians who want to plan their retirement independently, at their own pace, with clear and reliable information. With the DIY Retirement Planner, users build a personalized retirement income plan using Milestones Retirement Insights without meeting with an advisor. The software guides users through entering their information and then generates a detailed retirement income report based on Ca

What is retirement income planning software? Retirement income planning software helps Canadians understand where their retirement income will come from, how long their savings will last, and how different withdrawal strategies affect taxes and cash flow over time. It combines personal savings, government benefits, pensions, and other income sources into a clear retirement income plan. Milestones Retirement Insights is retirement income planning software built specifically fo

How to Manage Your Subscription You can manage your subscription at any time by visiting the link below: https://www.milestones-retirement.com/login Click on " Login below to manage your subscription:" Step 1: Log In If you are already a member , click “Login”  at the top of the page. You can log in using Google , Facebook , or your email address . If you haven’t created an account yet, you can also sign up  using one of those same options. Step 2: Access Your Subscription Se

If you've updated household details like income, family members, or other key information but don’t see these changes reflected in your plan, there's a simple reason: household updates do not automatically apply to saved plans or plans in progress. How to Ensure Your Household Updates Are Reflected To make sure your updated household information appears in your plan, follow these steps: Update your household details  and click Save Changes . Once saved, go to the Clients  tab