Find your slack.

Slackwater lets you prepare for and maximize your finances in retirement. Live your best life.

A snapshot of your entire retirement plan.

Pre-Retirement

Know exactly when you can retire and how much you'll have.

Insight

Get perfect clarity

Enter your income, expenses, savings, and investments to build a complete financial picture. Slackwater calculates your path to retirement with precision.

Timeline

Choose when to retire

Set your target retirement date and see exactly how your current savings rate gets you there. Adjust the timeline and watch your projected income change in real time.

Dashboard

See the full picture

Your dashboard shows how much longer you need to work and your projected annual retirement income. Update your balances anytime to keep your plan current.

Scenarios

Explore what-if scenarios

See how working one more year or saving a little more each month affects your retirement income. Make informed decisions about your future.

Tax Guidance

Save smarter, not harder

Get guidance on which accounts to save into — RRSP, TFSA, or non-registered — to minimize your lifetime tax burden and keep more of your money.

Retirement

Your retirement paycheque, optimized.

Withdrawals

Tax-optimized withdrawal plan

Slackwater builds a withdrawal strategy across your RRSP, TFSA, and non-registered accounts that minimizes taxes and maximizes your spending power.

Safety

Built on safe withdrawal rates

Every plan is grounded in proven safe withdrawal rate research, ensuring your money lasts as long as you do.

Adaptive

Responds to the market

When markets rise or fall, Slackwater adjusts your withdrawal amounts so you stay on track without sacrificing your lifestyle.

Paycheque

Your retirement paycheque

In retirement, your dashboard becomes a paycheque view — showing exactly which accounts to pull from, how much to withdraw, and when. Retirement income, simplified.

What our members are saying

Trusted by Canadians planning their future.

Slackwater showed me I could retire two years earlier than I thought. The tax optimization alone is saving me thousands every year.

Sarah Mitchell

Retired Teacher, Ontario

I used to lose sleep worrying about whether my savings would last. Now I check my Slackwater dashboard and know exactly where I stand.

James Thornton

Semi-Retired Engineer, BC

The withdrawal plan told me exactly which accounts to pull from each month. I had no idea the tax savings could be this significant.

Linda Park

Retired Nurse, Alberta

Being able to see how one more year of work changes my retirement income made the decision so much clearer.

Robert Chen

Planning for Retirement, Manitoba

The paycheque view in retirement mode is brilliant. It feels like I still get paid, just from my own savings.

Patricia Davies

Recently Retired, Nova Scotia

Slackwater helped my wife and me coordinate our retirement withdrawals. The Smart plan is worth every penny.

Michael Okafor

Retired Business Owner, Ontario

Join thousands of Canadians using Slackwater to plan, optimize, and enjoy their retirement.