Five short videos covering every part of CVCalculator: entering your pension details, reading your results, and using the analysis tools to make a confident decision.
A quick overview of what CVCalculator does, who it's built for, and why knowing your commuted value matters before you walk away from a defined benefit pension plan.
A full walkthrough of every input field — date of birth, termination date, accrued annual pension, earliest unreduced retirement date (EURD), bridge benefit, and survivor benefit. If you don't have exact figures yet, the built-in estimator gives you a reasonable starting point.
How to interpret the output: your total commuted value, the LIRA transfer amount under ITA §8517, and the taxable cash portion. Understanding the split is critical — the taxable cash triggers withholding tax in the year of termination, regardless of how large your RRSP room is.
A tour of the CV Pro analysis layer: break-even age across five return rate scenarios, 12-month CV history as CIA rates have moved month to month, and the tools that turn a raw number into a real decision framework.
CIA i₁ and i₂ rates change monthly — and your CV moves with them. This video shows how the scenario analysis tool lets you see what your commuted value would be under different rate environments, so you understand how your pension's value responds to changing rate conditions.
Free to download. Explore a high-level estimate at no cost. Exact CV and full analysis with CV Pro.