Just ask your question: "What if I retire at 55?" "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, 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.
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.
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.
"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"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"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.
Honestly, it depends on you—your health, what other income you've got, spousal benefits, and how long you think you'll be around. We crunch your personal break-even age and show you month-by-month what happens at each claiming age. That way you can actually see the trade-offs instead of just guessing.
Roth conversions can save you a ton in taxes over your lifetime—but timing is everything. We map out a conversion ladder year by year, showing exactly how much to move each year to stay in lower brackets while putting more money in your pocket long-term.
Here's the tricky part: IRMAA looks at your income from two years ago. We keep tabs on your MAGI and flag when you're getting close to those thresholds. That way you can dial back Roth conversions or other income before you trip over the cliff and pay more than you need to.
That old rule of taxable first, then tax-deferred, then Roth? It's not always the best move. We look at all your accounts together and figure out the smartest withdrawal order to minimize your total tax bill—factoring in RMDs, tax brackets, and those Medicare premium bumps.
Here's the real question: can you make the math work? Early retirement means more years spending savings and waiting longer for Social Security. We run your numbers month by month all the way through 95+, showing exactly when you'd run short (if ever) and what tweaks could make early retirement actually work.
We figure out your capital gains exclusion ($250K if you're single, $500K if you're married), calculate what you'd actually walk away with, and show how putting that money to work—or using it to cut your expenses—shifts your whole retirement picture.
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.