SundayPyjamas Impact Foundation
Retirement planning every Canadian deserves.
Even is a free, non-profit tool that helps Canadians plan retirement with the same sophisticated methods normally reserved for the wealthy — grounded in current CRA rules and shown with their sources.
Our mission
The SundayPyjamas Impact Foundation believes financial security shouldn't depend on who you can afford to hire. We build tools that turn proven, institutional-grade methods into something any Canadian can use in a few minutes — honestly, transparently, and for free.
Why it's different
Most calculators quietly ignore tax, push everyone toward an RRSP, and hide their assumptions. We compute your real after-tax surplus, invert the account order by your situation, model CPP/OAS/GIS, and cite every figure — so you (or your accountant) can verify the whole plan.
What we stand for
The tools of the ultra-rich, for everyone
Sophisticated retirement planning — after-tax cash flow, tax-optimal account ordering, and institutional risk analytics — shouldn't require a private advisor. We give every Canadian the same rigor, for free.
Citation-first, never a black box
Every tax rate, contribution limit, and assumption links to the government or standards body that publishes it. Open the “Show work” tab to see the exact formula behind each number.
The right account, in the right order
FHSA, RRSP, TFSA, RESP — the best move depends on your marginal rate, province, and goals. Our engine gets this right at $47k and at $275k, not just for the mass-affluent.
Your numbers stay yours
Everything runs in your browser. Your financial data is stored locally on your device and your PDF/Excel exports are generated on your machine — nothing is sent to a server.
Build your plan in a few minutes
Free, private, and sourced. Set up your profile and see your personalized, tax-optimized plan.
Estimates only — not financial advice. Based on 2026 CRA / Service Canada rules.