Free Canadian retirement planning
Meet Froogal.
Tame Your Retirement.
Pro-level CPP, OAS, tax, and cash-flow tools — free, private, and built for Canadians. No finance degree required.
Bank-Level Accuracy
100% Free
Privacy-First
Updated for 2026
Why Canadians Trust Froogal
Always free. Always Canada-only. Your numbers stay on your device by default — no account required for any core tool.
Accurate Canadian Math
Federal and provincial tax, OAS clawback, GIS, RRIF minimums, and CPP timing — versioned from CRA and Service Canada rules.
See the Full Picture
Project cash flow year by year, find savings gaps, and stress-test your plan without an advisor fee.
Tax-Smart Withdrawals
Froogal helps you think about RRSP vs TFSA vs non-registered sequencing — and when OAS clawback bites.
Froogal's Toolbox
From nest-egg readiness to Monte Carlo stress tests — free Canadian calculators with no signup required.
Real stories coming soon
We don't invent testimonials. When Canadians share how Froogal helped their plan, they'll show up here.
Ready to tame your retirement?
Free forever. Privacy-first. Built for Canadian rules — CPP, OAS, RRSP, TFSA, and more.
Start Planning