CA+US Parallel49
Parallel49 · Cross-border planning

Two Currencies,
One Number

US calculators don't know what an RRSP is. Canadian ones assume you never left. This one is built for the border: free, private, and in your browser.

Calculate your CoastFIRE number → or browse all 11 tools →
Example numbers, try your own
CA$
US$
Combined today
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≈ CoastFIRE ?
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Stays on your device

Nothing leaves your device

Every number you enter stays in your browser's local storage. No account, no sign-up, no server upload. Ever.

No ads. No data sales.

This is a free tool, not a lead-gen funnel. We collect anonymous, cookieless page-view counts, never what you type into a calculator.

Built from CRA, IRS & SSA sources

Every figure is sourced and dated, last independently verified August 2026. Methodology & sources →

Living cross-border complicates your financial picture: two currencies, two tax systems, and account wrappers that don't map cleanly between them. These tools keep your Canadian and US accounts separate until the last step, then flag the quirks that matter for your situation.

These tools aren't tax, legal, or immigration advice, and they don't model cross-border taxation: treat every dollar figure as a pre-tax planning target. Cross-border rules (RRSP/TFSA treatment, PFIC, FBAR/FATCA, departure tax, totalization) are complex and change, so work with a cross-border-specialist accountant or planner before acting on this.

Not sure where to start?

Answer one quick question and we'll point you at the right tool.

or jump straight to all tools ↓

All tools

Jump straight to any tool below; nothing here requires filling out the others first.

CoastFIRE Calculator
The core cross-border retirement calculator: see when your portfolio can coast.
Start here →
Your Action Items
A prioritized checklist of deadlines and to-dos based on what you've entered.
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Departure Tax Estimator
Leaving Canada? Estimate the one-time deemed-disposition tax bill.
Try it →
RRSP Withholding Tax
See how much Canada withholds when you draw down your RRSP as a US resident.
Try it →
Benefit Claiming-Age Optimizer
Compare claiming CPP, OAS & Social Security early vs. late.
Try it →
Drawdown-Order Optimizer
Sequence RRSP, TFSA, 401(k)/IRA, Roth & taxable withdrawals to minimize tax in retirement.
Try it →
Moving Back to Canada
Re-entering Canada? See what happens to each account and whether exit-tax rules apply.
Try it →
US Exit Tax Estimator
Renouncing US citizenship or giving up a long-term Green Card? Estimate the one-time IRC §877A exit tax bill.
Try it →
PFIC Risk Checker
Holding Canadian mutual funds or ETFs as a US person? See which accounts are PFIC-exposed and how the tax regimes compare.
Try it →
Norbert's Gambit & FX Spread Calculator
See what a bank/wire conversion actually costs you vs. Norbert's Gambit, Wise, and Interactive Brokers.
Try it →
Offer & Relocation Comparator
Compare a CAD offer against a USD offer in real terms: payroll tax, income tax, FX, and cost of living.
Try it →
Compare Scenarios
Put 2-3 saved scenarios side by side: key numbers and portfolio path, without touching your current inputs.
Try it →

See your own version of this

The CoastFIRE Calculator plots a probability range for your portfolio, not just a single guess. Drag any assumption and watch it redraw live.

Illustrative, not your data
Today Retirement
Median portfolio path Likely range (Monte Carlo) CoastFIRE number
Try it with your own numbers →

Frequently asked questions

Is this free, and do you store my financial data?
It's completely free, and we don't store your financial data. Everything you enter stays in your browser's local storage and is never uploaded to us. No account, no ads. Clear your data anytime from your browser's site settings. (We do collect anonymous, cookieless page-view analytics via Cloudflare to see which tools get used, but never what you type into a calculator.)
Is this tax, legal, or immigration advice?
No. These are planning calculators built from publicly documented CRA/IRS rules and treaty provisions. They're meant to help you understand your situation and prepare better questions for a cross-border accountant or advisor, not replace one.
What is CoastFIRE?
A version of financial independence where your existing investments, left to grow with no further contributions, are already projected to cover your retirement, so you can "coast" on what you've already saved. The CoastFIRE Calculator is the core tool on this site; every other tool builds on the same account and benefit inputs.
Which countries does this cover?
Canada and the US specifically, for Canadians living, working, or planning to move between the two. It tracks RRSP/TFSA/FHSA/RESP alongside 401(k)/IRA/Roth/HSA accounts, CAD and USD together, and isn't built for other country pairs.
Are the CPP, OAS, and Social Security amounts calculated for me?
No. You enter your own estimated monthly amounts (from your Service Canada or ssa.gov statement), and the tools apply the published early/late claiming-age adjustments on top of what you provide. Quebec residents can toggle a "Quebec resident?" setting in the CoastFIRE Calculator's Government Benefits section to label these fields QPP instead of CPP; the claiming-age math is the same either way.
Can I plan for a spouse or partner too?
Yes. Enable "Planning with a spouse or partner?" on the CoastFIRE Calculator to add a second independent age and government-benefit claiming schedule. Accounts stay pooled as one household total rather than tracked per person, and both spouses share one household retirement date.
Figures current as of 2026
  • 2026: CPP, OAS & Social Security maximums, HSA contribution limits, the capital gains inclusion rate, and moving-back thresholds are all updated for 2026.
  • Jan 2025: Social Security Fairness Act repeal of WEP/GPO reflected in the Benefit Timing amounts.
  • Last independently verified: August 2026. CPP/OAS/SS figures, RRSP withholding rates, and the 2026 US tax brackets checked directly against CRA, IRS, and SSA publications.