Just ask. "What if I maxed my TFSA first?" Our conversational AI runs the projections and explains what it found—in plain language. Want a quick answer? Get one. Want to dig into every assumption? Go as deep as you like.
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 a complete map of your financial life—from building wealth today to drawing it down decades from now—with every assumption laid bare.
Not vague annual estimates. See exactly what happens each month across your entire financial life—income, expenses, taxes, and account balances from now until the end.
Every projection shows what's known versus assumed. Question our numbers. Change them. See what happens when inflation runs hot or markets stumble.
Actual federal and provincial/state tax calculations. Clawbacks, brackets, credits—the stuff that makes or breaks your retirement income.
RRSP or TFSA first? Retire at 60 or 65? Sell the cottage? Compare any scenario side-by-side. See the trade-offs in cold, hard numbers.
Don't just track—improve. Get concrete recommendations for tax-efficient withdrawals, benefit timing, and account sequencing.
Life doesn't follow spreadsheets. Track how reality compares to your projections—whether you're 25 and saving or 65 and drawing down—and adjust accordingly.
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 super system is confusing as. Can't wait to see someone model the preservation rules properly."
— Waitlist member, Melbourne"The pension freedoms rules are a minefield. Would be brilliant to have something that models drawdown properly."
— Waitlist member, EdinburghWhether 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.
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.