Projects
Slackwater
Retirement planning for Canadians.
Slackwater helps Canadians find financial clarity by modeling retirement timelines and optimizing withdrawal strategies across RRSP, TFSA, and non-registered accounts. See when you can retire and how to make your money last.
The Problem
Canadian retirement planning is complex. The order in which you withdraw from RRSP, TFSA, and non-registered accounts dramatically affects your lifetime tax burden. CPP and OAS timing decisions can mean tens of thousands of dollars in difference. And most retirement calculators are built for the American market — they don't understand Canadian registered accounts, our tax brackets, or our government benefit programs.
Canadians deserve a retirement planning tool that speaks their financial language.
The Solution
Slackwater models your complete Canadian financial picture. It optimizes withdrawal strategies across all your account types, projects CPP and OAS benefits based on your chosen start dates, and shows year-by-year retirement timelines so you can see exactly when your money runs out — or doesn't.
Every calculation is built specifically for Canadian tax rules, contribution limits, and benefit programs. No American assumptions, no generic rules of thumb.
Key Features
Withdrawal Optimization
Smart strategies across registered and non-registered accounts to minimize taxes and maximize income throughout retirement.
Retirement Timeline
See when you can retire based on your actual financial picture, not generic rules of thumb.
CPP & OAS Modeling
Project your Canada Pension Plan and Old Age Security benefits. See how delaying or starting early affects your total retirement income.
Tax Projection
Year-by-year tax estimates using current federal and provincial brackets, including OAS clawback thresholds and dividend tax credits.
Scenario Comparison
Compare different retirement scenarios side by side. See how changes to your retirement age, spending, or investment returns affect your outcome.
Canadian-Focused
Built specifically for Canadian tax rules, CPP, OAS, RRSP, TFSA, and non-registered account types.
More Projects
We're actively developing new applications. Our focus remains on building thoughtful, well-crafted tools that help Canadians with financial planning and everyday productivity. Stay tuned.
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