为什么创建这个规划工具
Many retirement calculators reduce planning to one savings balance 和 one investment return. Canadian retirement decisions are more interconnected: CPP/OAS timing affects portfolio withdrawals; RRSP/RRIF income affects tax 和 OAS recovery; TFSA withdrawals behave differently from taxable withdrawals; couples can have pension-splitting opportunities; 和 a home can represent a major source of retirement flexibility.
该规划工具把这些决策整合到一个逐年模型中，同时让非专业用户也能理解界面。
如何维护财务规则
Rules used by the calculator are checked against primary Government of Canada 和 Canada Revenue Agency sources. The 方法与准确性 page identifies the major rules modeled, the official references 和 important limitations. Guides in the 退休学习中心 还会直接链接到相关政府来源。
当税务或福利规则可能逐年变化时，网站会说明基准年度的假设，而不会把未来数值表述为保证。
本工具不是什么
The Canada Retirement Optimizer is not a bank, brokerage, tax-preparation service, accounting firm or registered financial-advice service. It does not sell investments 和 it does not know a user’s complete legal, tax or family circumstances.
Results should therefore be used to explore scenarios 和 prepare better questions. Material retirement, tax, estate or investment decisions should be verified with qualified Canadian professionals 和 official government records.
隐私方式
The planner is designed to work locally in the browser. Cloud synchronization is optional. A user can build 和 calculate a retirement plan without creating an account. When cloud sync is used, the local plan remains the primary working copy 和 the application provides conflict handling rather than silently overwriting materially different plan data.
编辑标准
- Use primary government sources for tax 和 benefit rules whenever available.
- 将事实与规划假设分开。
- 不要把蒙特卡洛置信度表述为保证。
- Disclose material simplifications 和 unsupported tax circumstances.
- 避免虚构评价、评分、资质或背书。
- 当计算器使用的重要规则发生变化时更新内容。
探索规划工具
使用计算器进行情景分析，然后查看结果背后的方法。