Get answers to the questions that keep you up at night. "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.
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.
Quick answer or forensic detail—you decide.
"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.
Every country has its own tax code, investment accounts, and benefits system. We build each one from the ground up—no shortcuts.
"Finally something that handles the RRSP-to-RRIF conversion properly and shows me when my OAS gets clawed back."
— Beta tester, Vancouver"I've spent years in spreadsheets trying to figure out Roth conversions. This thing nailed it in five minutes."
— Beta tester, Austin"The pension freedoms rules are a minefield. Would be brilliant to have something that models drawdown properly."
— Waitlist member, Edinburgh"The super system is confusing as. Can't wait to see someone model the preservation rules properly."
— Waitlist member, MelbourneWhether you're retiring to the sun, following work, or rejoining family—cross-border planning is complicated. Different tax treaties, pension portability, healthcare systems. We're building support for 59 countries so you can model the move before you make it.
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.
You can start CPP as early as 60 or delay until 70. Starting early means smaller payments for longer; delaying means 42% more at 70 versus 60. The right answer depends on your health, other income sources, and whether you need the money now. Our calculator shows your lifetime benefit under each scenario.
It depends on your tax bracket now versus retirement. RRSPs give you a tax deduction now but you pay tax on withdrawals. TFSAs use after-tax dollars but grow and withdraw tax-free. If you're in a high bracket now, RRSP often wins. If you expect similar or higher taxes in retirement, TFSA may be better.
An RRSP meltdown involves withdrawing from your RRSP in low-income years before you're forced to convert to a RRIF at 71. By drawing down strategically, you may pay less total tax and avoid OAS clawback later. Our projections show the optimal withdrawal amount each year.
OAS clawback (the recovery tax) kicks in when your income exceeds roughly $90,000. Strategies include income splitting with your spouse, drawing down RRSPs before 65, using TFSA for income, and timing capital gains. We model your income year by year to minimize clawback.
There's no single number—it depends on your lifestyle, location, health, and income sources. A couple in rural Ontario needs less than one in Vancouver. We calculate your specific number based on your expenses, CPP/OAS benefits, pensions, and investment income.
After age 65, you can split eligible pension income with your spouse, which can lower your combined tax bill significantly if one spouse has much higher income. RRIF withdrawals qualify after 65. We calculate the optimal split each year.
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.