Valkara
Valkara Canadian Retirement Calculator
A comprehensive retirement calculator and optimization tool - built for Canadians, by Canadians
In Norse mythology, the Valkyries created the northern lights. As they rode across the night sky choosing the worthy, their armor set the heavens ablaze with ribbons of gold and green fire.
The Valkyries were guides — they ensured that those who had lived well arrived safely at their reward.
Valkara is that guide for your retirement — so a lifetime of good work arrives at the reward you've earned.
Your Retirement Health Score is a composite measure of your plan's income sustainability, portfolio resilience, and tax efficiency. It updates in real time as you adjust contributions, retirement dates, and withdrawal strategies — so you always know where you stand.
No spreadsheets, no onboarding call, no 40-page questionnaire. Valkara asks for what you already know and fills in the rest — every tax bracket, credit, contribution limit and withdrawal rule in the country is already built in.
Below is a live plan for Alex & Morgan, an Ontario couple in their late fifties — projected year by year to age 90 through the full CRA tax engine. Hover any chart to read the numbers; click a legend entry to isolate it. These are the same charts you'll be looking at five minutes from now, with your own figures in them.
Every income source, year by year — CPP, OAS, GIS, workplace pensions, RRIF minimums, TFSA and non-registered draws.
Valkara models the withdrawal order you choose, and ranks the alternatives against your goal.
Most retirement calculators multiply a balance by a growth rate and call it a plan. Valkara runs your actual accounts through the actual rules, one year at a time, and shows you the tax bill at the end of each one.
No jargon, no acronym soup, no wall of numbers to decode. Valkara tells you where you stand in plain language.
Valkara continuously tests your plan against the alternatives — when to start CPP, when to start OAS, which account to draw from first — and shows you what each change is worth when you change it.
Illustrative result for the sample plan above. Each bar is what one accepted recommendation contributed; the dashed line marks the total the optimizer identified.
Whether you're thirty years out or counting down the months, thirty minutes of your time will show you where you stand today — and what to change to get where you want to be.
Always consult a qualified financial advisor for personalized retirement planning.