Get answers to the questions that keep you up at night. "Should I claim Social Security at 62 or 70?" "How much will Roth conversions save me?" 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.
See the month-by-month impact of claiming at 62, 67, or 70. We calculate your break-even age and show how spousal benefits factor in.
Model conversions year by year. See how much you'll save in taxes over your lifetime and when the strategy pays off.
We track MAGI thresholds and show you exactly which income sources push you into higher brackets—and how to stay below them.
401(k), Traditional IRA, Roth, taxable? We sequence withdrawals to minimize your lifetime tax bill across all account types.
Model the sale, see the capital gains impact, and project how the proceeds change your retirement timeline.
Compare scenarios side-by-side. See exactly how early retirement affects your income, taxes, and savings runway.
Every country has its own tax code, investment accounts, and benefits system. We build each one from the ground up—no shortcuts.
"I've spent years in spreadsheets trying to figure out Roth conversions. This thing nailed it in five minutes."
— Beta tester, Austin"Finally something that handles the RRSP-to-RRIF conversion properly and shows me when my OAS gets clawed back."
— Beta tester, Vancouver"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.
There's no universal answer—it depends on your health, other income sources, spousal benefits, and how long you expect to live. We calculate your personal break-even age and show month-by-month projections for each claiming age so you can see the trade-offs clearly.
Roth conversions can save significant taxes over your lifetime—but timing matters. We model conversion ladders year by year, showing how much to convert each year to stay in lower tax brackets while maximizing long-term savings.
IRMAA looks at your income from two years prior. We track your Modified Adjusted Gross Income and alert you when you're approaching thresholds, so you can adjust Roth conversions or other income to stay below the cliff.
The conventional wisdom (taxable → tax-deferred → Roth) isn't always optimal. We sequence withdrawals across all your accounts to minimize your lifetime tax bill, considering RMDs, tax brackets, and Medicare premiums.
Early retirement means more years drawing down savings and delayed Social Security. We project your finances month by month through age 95+, showing exactly when—and if—you'd run short, and what adjustments could make early retirement work.
We calculate the capital gains exclusion ($250K single / $500K married), model the net proceeds, and show how investing that money—or using it to reduce expenses—changes your retirement timeline and income.
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.