Just ask your question: "Should I contribute to RRSP or TFSA first?" "When should I start CPP: 60 or 70?" "Will I face OAS clawback?" Our AI runs the projections and explains what it found—in plain language, not spreadsheets.
Earlier freedom, lower government benefits
Standard retirement, balanced approach
Maximum benefits, shorter retirement
No forms. No menus. Just conversation.
Ask follow-ups. Change assumptions mid-thought. The AI keeps up.
Get a quick answer now, or go deep when it matters. Same question, you control the depth.
"Can I retire at 60?" → "Likely yes, with some trade-offs. Want details?"
See key numbers, major assumptions, and the main trade-offs explained clearly.
Every assumption visible. Every calculation explorable. Change any input and see ripple effects.
Start quick, drill down when something matters. No judgment.
Most financial tools give you a number. We give you answers to the questions that actually matter—with every assumption laid bare so you can trust the results.
We compare your marginal tax rates now versus retirement. See which account saves you more taxes over your lifetime based on your specific situation.
Every year you delay, CPP increases by 8.4%. We calculate your personal break-even age and show how your health and other income affect the decision.
We track your income against the clawback threshold ($90,997 in 2024) and show exactly how RRIF withdrawals and other income affect your OAS.
Withdrawing RRSP money before 65 to stay in lower tax brackets can save thousands. We model the strategy year by year to find your optimal approach.
Withdrawing $35,000 for a home is tax-free, but you lose years of tax-sheltered growth. We show the true cost over your lifetime.
Taking minimum withdrawals isn't always best. We model different strategies to minimize taxes while maximizing your pension income credit.
Most calculators hide what they're assuming. We show you exactly what's known vs. assumed—inflation rates, returns, tax brackets, everything. Don't like an assumption? Click it and change it. Your projections update instantly.
Every country has its own tax code, investment accounts, and benefits system. We build each one from the ground up—no shortcuts.
"Showed me withdrawing $15K extra from my RRSP before 65 would keep my OAS intact. That's over $8,000/year I was about to lose."
— Beta tester, Vancouver"The Roth conversion ladder it suggested saves me roughly $47,000 in lifetime taxes. I've been doing my own spreadsheets for years and never saw this."
— Beta tester, Austin"My current advisor couldn't tell me whether to take the 25% lump sum now or phase it. I need something that actually models the numbers."
— Waitlist member, Edinburgh"I'm trying to work out if extra salary sacrifice now means I'll lose Age Pension later. No calculator I've found handles this properly."
— Waitlist member, MelbourneMost calculators only handle one country. We can model your retirement in 68 different countries—so you can compare what your finances would look like in each.
68 countries. Compare your options.
We'll let you know when your country is ready.
No forecast survives contact with reality. But the habit of projecting, tracking, and adjusting? That's where the value lives. The goal isn't a perfect plan—it's a better conversation with your future self.
Quick updates as you go. Log actual income, expenses, and account values against your plan.
See where reality diverged from projection. One-time blip or trend to address?
Your projection updates automatically. No more stale spreadsheets from two jobs ago.
When you drift off plan, get suggestions to get back on track—or update your target.
Small decisions compound over a lifetime. The right contribution sequence, tax-efficient growth, and smart drawdown strategy can mean hundreds of thousands more in your pocket.
Over a lifetime, optimizing which accounts to contribute to, grow in, and draw from saves the typical Canadian household tens of thousands in taxes.
Delaying CPP from 60 to 70 increases your benefit by 42%. But it's not always the right call. We model your specific situation.
With proper planning from the start, many households reach financial independence years earlier than they thought possible.
Retirement isn't a solo journey. We model both partners' income, benefits, and accounts together—so you can see how decisions affect you as a household.
Most tools treat each person separately. But real couples make joint decisions—when to claim benefits, whose accounts to draw first, how to split income for taxes.
Here's the deal: start at 60 and you get smaller cheques for longer. Wait until 70? That's 42% more per month than starting at 65. The right call depends on your health, what other income you've got coming in, and whether you need the money now. We'll show you the numbers for each scenario so you can see what makes sense for your situation.
Depends on where you sit on the tax ladder right now versus retirement. RRSPs give you that sweet tax deduction today, but you'll pay tax when you take money out. TFSAs use after-tax dollars but grow and come out tax-free. High tax bracket now? RRSP often wins. Expect similar or higher taxes later? TFSA might be your better bet. We can run the numbers both ways.
Think of it as strategically emptying your RRSP during low-income years before you hit 71 and get forced into a RRIF. By pulling money out while you're in a lower tax bracket, you pay less total tax and dodge that OAS clawback down the road. We'll show you exactly how much to withdraw each year to make it work.
Nobody likes seeing their OAS clawed back, eh? The recovery tax kicks in around $90,000 of income. Common workarounds: split income with your spouse, melt down your RRSP before 65, pull from your TFSA instead, or time your capital gains carefully. We track your income year by year to help you keep more of what's yours.
There's no magic number that works for everyone. A couple in rural Ontario has different costs than folks in Vancouver or downtown Toronto. It comes down to your lifestyle, where you live, and what income you've got coming in from CPP, OAS, pensions, and investments. We crunch your actual numbers to find your number.
Once you hit 65, you can split eligible pension income (including RRIF withdrawals) with your spouse. If one of you is in a higher tax bracket, this can save you a fair bit on your combined tax bill. We figure out the optimal split for each year—sometimes it's 50/50, sometimes it's not.
We're launching in Canada and the US first, with Australia and the UK following soon after. Join the waitlist for your country.
No spam. Just launch updates for your selected countries.