Scenarios: Compare Different Plans

Scenarios let you explore “what if” questions without changing your base plan. Each scenario stores only the differences from your base — if you update your income or account balances on the base plan, all scenarios automatically reflect the change.

Creating a Scenario

Click + New Projection in the Planning view. You can:

Use a Template

16 pre-built templates across 5 categories:

Timing: Retire 5 Years Earlier, Retire 5 Years Later Spending: Lower Spending, Higher Spending, Lean FIRE, Coast FIRE Markets: Conservative Markets, Bull Markets, High Inflation Strategy: RRSP Meltdown, Delay CPP to 70, Take CPP at 60, Delay Social Security to 70, Take Social Security at 62 Real Estate: Downsize at 65, Sell & Rent at 65

Create Custom

Enter a name and click Create. Then adjust any strategy-specific field — retirement age, spending target, withdrawal strategy, return assumptions, government benefit timing, or real estate plans.

What Scenarios Override

Scenarios store strategy fields only. Identity fields are always shared from the base plan:

This means if you get a raise and update your income, every scenario automatically uses the new number.

Comparing Scenarios

Click Compare to see a side-by-side comparison table showing:

• Key metrics for each scenario (estate, lifetime tax, depletion age, funded years)
• A collapsible Input Differences section showing exactly which fields differ
• Comparison chart overlays (dashed lines for scenarios on any chart tab)

Managing Scenarios

• Switch: Click a scenario name in the dropdown to make it active
• Edit: Adjust fields while a scenario is active — changes are saved to that scenario only
• Delete: Click Manage → click the × next to a scenario (must be viewing the base plan first)
• Limits: Anonymous users: 0 scenarios (must sign in). Free account: 2 scenarios. Pro: unlimited scenarios.

Scenario Ideas