Built for Quebecers between 40 and 55. Provincial tax, the RRQ (Quebec Pension Plan), the RREGOP (public-sector pension) and every employer pension are calculated live — move a slider, see the effect across 40 years of plan.
Assumptions
RRQ starts at
The assistant explores your plan, surfaces findings and tests ideas.
| Metric | Base plan | Sell the cottage at 70 | écart |
|---|---|---|---|
| Net worth · age 95 | $0.64 M | $0.47 M | ▼ −$0.18 M |
| Average annual income | $47,272 | $48,803 | ▲ +$1,531 |
| Lifetime taxes | $348,845 | $326,782 | ▼ −$22,063 |
| Plan holds until | 95+ | 95+ | = |
| Probability of success | 87% | 91% | ▲ +4 pts |
| Category | 2029 58 | 2030 59 | 2031 60 | 2032 61 | 2033 62 | 2034 63 | 2035 64 | 2036 65 | 2037 66 |
|---|---|---|---|---|---|---|---|---|---|
| ▾ Income | $86,593 | $86,640 | $86,688 | $86,737 | $34,462 | $23,508 | $23,033 | $39,378 | $41,910 |
| Available income | $85,000 | $85,000 | $85,000 | $85,000 | $32,675 | $21,668 | $21,139 | $38,200 | $40,698 |
| Employment income — Sébastien | $85,000 | $85,000 | $85,000 | $85,000 | $14,167 | $0 | $0 | $0 | $0 |
| RREGOP — Sébastien | $0 | $0 | $0 | $0 | $18,508 | $21,668 | $21,139 | $20,624 | $20,121 |
| QPP — Sébastien | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $11,778 | $13,789 |
| OAS — Sébastien | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $5,799 | $6,789 |
| OAS recovery — Sébastien | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Investment income | $1,593 | $1,640 | $1,688 | $1,737 | $1,788 | $1,840 | $1,894 | $1,178 | $1,212 |
| Interest income | $1,593 | $1,640 | $1,688 | $1,737 | $1,788 | $1,840 | $1,894 | $1,178 | $1,212 |
| ▾ Expenses | $45,000 | $45,000 | $45,000 | $45,000 | $62,500 | $66,000 | $66,000 | $66,000 | $66,000 |
| Housing | $16,000 | $16,000 | $16,000 | $16,000 | $22,222 | $23,467 | $23,467 | $23,467 | $23,467 |
| Transport | $7,000 | $7,000 | $7,000 | $7,000 | $9,722 | $10,267 | $10,267 | $10,267 | $10,267 |
| Daily living | $10,000 | $10,000 | $10,000 | $10,000 | $13,889 | $14,667 | $14,667 | $14,667 | $14,667 |
| Leisure | $5,000 | $5,000 | $5,000 | $5,000 | $6,944 | $7,333 | $7,333 | $7,333 | $7,333 |
| Health | $4,000 | $4,000 | $4,000 | $4,000 | $5,556 | $5,867 | $5,867 | $5,867 | $5,867 |
| Family & giving | $3,000 | $3,000 | $3,000 | $3,000 | $4,167 | $4,400 | $4,400 | $4,400 | $4,400 |
| ▸ Contributions | $16,150 | $16,150 | $16,150 | $16,150 | $2,692 | $0 | $0 | $0 | $0 |
| Category | Name | Holder | Return | Contr. | Frequency | Balance |
|---|---|---|---|---|---|---|
| 🏡 Real estate | Résidence principale | Sébastien | 3% | — | — | $340,000 |
| 🏡 Real estate | Chalet | Sébastien | 3% | — | — | $175,000 |
| 🏦 RRSP | REER Desjardins | Sébastien | 5.5% | $10,000 | Bi-weekly | $230,000 |
| 💎 TFSA | CELI Wealthsimple | Sébastien | 5.5% | $6,000 | Monthly | $70,000 |
| 📊 Non-registered | Compte placements | Sébastien | 5.5% | — | — | $80,000 |
Eight functions at the core of the planner, each calibrated for Quebec. Click to see how they work.
Provincial and federal modeled correctly, not a Canadian average. Credits, deductions, brackets — Quebec.
Provincial tax tables updated annually, the living-alone tax credit, pension income splitting, the age amount credit — it is all there.
The age you claim the RRQ changes your lifetime pension. Planexia calculates the optimal decision for your situation.
It models your life expectancy, your other income, your employer pension — to tell you whether waiting until 70 really pays off, or not.
Not a generic average. Your real terms: early-retirement reduction, coordination at 65, bridge benefits.
RREGOP, RRPE, RRE, federal PSPP, university plans, FRESP, private defined-benefit plans — each with its own rules.
The mandatory conversion at 71, the minimum withdrawal, the order of drawdown across accounts — calculated 25 years ahead.
Planexia simulates the optimal drawdown order (RRSP, TFSA, non-registered) to minimize your total tax across the retirement horizon.
Move a slider — retirement age, growth, inflation. The projection recalculates across 40 years, instantly.
No waiting, no “generate a new report.” You turn the dial, the curve responds. It is an instrument, not a verdict.
Your expenses rise. Your pensions too — but not all of them, not the same way. Planexia treats each source separately.
RRQ indexed, RREGOP partly indexed, some plans not at all. Your expenses track CPI or a rate you set.
Put two or three plans side by side. “Leave at 60,” “Leave at 62,” “Defer the RRQ to 70” — figures in parallel.
Save a plan, change a few variables, save the new one. The comparison table appears: net income, net worth, probability of success — for each scenario.
Ask your questions in plain language. The agent explores your plan, spots blind spots and tests ideas.
“What if I sold the cottage at 70?” — the agent recalculates and explains the impact on your income and your net worth.
Not a month of back-and-forth with a planner. A few minutes to enter the context — then you explore.
Age, income, employer pension, savings. A few minutes, not an hour.
Year by year, to age 95, with Quebec tax. Not a PDF at 11 p.m. — a living dashboard.
“What if I leave at 62? What if I defer the RRQ to 70?” The sliders respond live. The AI suggests.
The right age to claim your pension — and what it changes.
Read the article What the 0.5%/month reduction really costs.
Read the articleSign up for the beta program — we write to you the moment it opens, this summer.