Free and paid
The whole planning engine is free. Paying adds more saved plans and the tools that test a plan, explain it and keep it current from year to year.
Free
- The full plan builder
One or two people, every province and territory, working years, pensions, CPP and OAS, GIS, one-time events — the whole engine, today to end of life.
- One saved plan
Sign in to keep it and come back to it.
- Dial it in
Sliders for spending, retirement age and what you leave behind, with the result as you move them.
- Charts and the tax breakdown
Net worth, tax, accounts and cash flow year by year, and every year's tax itemized.
- Share and print
A read-only link for a spouse, family or planner, and a printable report.
- Every calculator
All of them, with what you type carried into your plan.
Paid
Everything free, plus:
- Unlimited saved plans
Keep several versions side by side — retire at 60 or 63, sell the house or don't.
- Stress test
Your plan through 1,000 different market paths, and every start year of market history since 1928.
- Ask about your plan
Questions answered from your plan's own numbers, by AI.
- Ask for a what-if
Describe a change in words; the AI drafts it and the engine runs it against your plan.
- This year's playbook
What the plan does this year, account by account, with the dates that go with it.
- Since last year
Each January, your plan rolled forward and compared with last year's — and whether the rules, the markets or your own changes moved it.
- Future dollars
Every figure shown with inflation added back, as well as in today's dollars.
Sign in first. The price is shown at checkout, and you can cancel any time.
Free or paid, the engine runs in your browser — the numbers you type are worked out on your own device. Exactly what's stored, and what's sent where, is in the privacy policy.