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.
Read the guide →Model conversions year by year. See how much you'll save in taxes over your lifetime and when the strategy pays off.
Read the guide →We track MAGI thresholds and show you exactly which income sources push you into higher brackets—and how to stay below them.
Read the guide →401(k), Traditional IRA, Roth, taxable? We sequence withdrawals to minimize your lifetime tax bill across all account types.
Read the guide →Model the sale, see the capital gains impact, and project how the proceeds change your retirement timeline.
Read the guide →Compare scenarios side-by-side. See exactly how early retirement affects your income, taxes, and savings runway.
Read the guide →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.
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.