Everything you need to plan
retirement with confidence

Real marginal brackets for all 13 Canadian provinces/territories and all 50 US states. Not estimates, not flat rates — actual math.

Projects your finances from today through age 100. Every year accounts for inflation, account growth, withdrawals, and tax.

RRSP, TFSA, RRIF, FHSA, non-registered (Canada) and IRA, 401(k), Roth IRA, HSA, taxable (US) — each with correct contribution rules and tax treatment.

Model claiming age from 60–70 with break-even analysis. See the lifetime dollar impact of every starting age. Includes QPP for Quebec.

Automatically models the Guaranteed Income Supplement for lower-income Canadian retirees — most tools ignore this entirely.

Calculates RRIF minimum withdrawals and US Required Minimum Distributions automatically each year based on your age and balance.

Set monthly spending targets by category. Your budget flows directly into your retirement projection.

Connect your YNAB budget and sync transactions automatically. Your actual spending updates your retirement date in real time.

Import from any bank via CSV or OFX, or connect directly via Plaid. Every transaction shifts your numbers.

See how any purchase delays retirement, or how any savings change accelerates it — down to the day.

Choose between a manual annual estimate, your budget plan, or your actual imported spending. Switch anytime.

Model realistic spending patterns that decline in later retirement years — the "smile" curve most tools ignore.

Create variants of your plan — retire at 55 vs 60, bull vs bear markets, downsize vs stay — without touching your base plan.

One-click templates for common moves: Delay CPP to 70, Take CPP at 60, Coast FIRE, Retire 5 Years Earlier, Downsize at 65, and more.

Compare any two scenarios in a structured table — key metrics, tax outcomes, estate value — all at a glance.

Comparison scenarios appear as dashed lines on top of your base plan charts. See the divergence visually.

Free accounts get 2 scenarios. Pro removes all limits.

Model home equity, projected sale price, downsizing timing, and net proceeds flowing into your portfolio.

Compare the retirement outcome of owning vs renting — including opportunity cost of the down payment.

Add up to 3 rental properties with rental income, expenses, and eventual sale — all feeding into your projection.

Borrow against your portfolio in down years to avoid forced selling. Model the interest cost vs sequence-of-returns risk.

Set different expected returns for each account to model your actual asset allocation across account types.

For Canadian couples: automatically finds the optimal pension income split to minimize combined household tax.