Preview your retirement plan in 90 seconds

Canada-first. Tax-smart. Built for real life.

Plan Progress

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🚀 Start 90 second preview 🇨🇦 Tax-Smart Unlock after results 🎓 Stress Test Unlock at 60%

Let’s map your retirement plan preview

Answer a few questions and we’ll show your projected portfolio in CAD, plus the most tax-efficient path (TFSA, RRSP, then non-registered).

🌱

25-35

Building wealth

💼

35-50

Growing wealth

🎯

50-65

Protecting wealth

Your Snapshot (CAD)

Your age ?

Retirement age ?

35 years of growth

Current savings (CAD) ?

$

Monthly contribution (CAD) ?

$

Expected return (before fees) ? Conservative (5%) Moderate (7%) Aggressive (9%)

This is an estimate, real markets vary.

Province (assumption) ? Ontario British Columbia (coming soon) Alberta (coming soon) Quebec (coming soon)

Ontario used for this version to keep it simple.

TFSA room today (CAD) ? Use example baseline Enter my actual room

$

Example baseline only. Assumes TFSA room grows by $7,000/year.

RRSP room today (CAD) ?

$

Use your CRA My Account value if available.

Target amount (optional, CAD) ?

$

✨ Show my plan preview Reset

Projected portfolio (CAD)

$0

at retirement

In today’s dollars (inflation-adjusted)

$0

Assumes 2% inflation

Total contributions

$0

Growth vs contributions

Tax-smart allocation (end)

TFSA, RRSP, Non-reg

TFSA first, RRSP second, non-registered third

Your portfolio over time (CAD)

Want Capex to pressure-test this plan and optimize taxes?

We will review TFSA and RRSP usage, identify blind spots, and model a retirement drawdown strategy.

📅 Review my plan with Capex

🇨🇦 See tax-smart details 🔗 Share my plan

Tax-smart investing (Canada-first)

We assume your default strategy: TFSA first, RRSP second, non-registered third. This section adds fees, tax bracket, and RRSP refund reinvestment.

Marginal tax rate (Ontario assumption) ? Low (25%) Medium (35%) High (45%) Very high (50%)

Fund fees (MER) ? Index ETF (0.05%) Robo (0.20%) Mutual fund (1.50%) Managed (2.50%)

RRSP refund reinvested? ? Yes (recommended) No

Inflation assumption ?

🇨🇦 Run tax-smart preview

After-fee projected portfolio (CAD)

$0

with TFSA, RRSP, then non-registered

Estimated RRSP refunds reinvested

$0

Refunds routed to TFSA first

TFSA used by end

$0

Room modeled annually

RRSP used by end

$0

Room modeled from your input

Non-registered balance (end)

$0

Used only after TFSA and RRSP

Account breakdown over time (CAD)

Want the optimal strategy for your exact situation?

We can model real tax rates, real TFSA and RRSP room, and a retirement withdrawal plan (dollars or percent).

📅 Book a discovery call

🎓 Stress test withdrawals

Stress test withdrawals

Invest first, then start withdrawals in a chosen year. Choose CAD dollars or percent of portfolio.

Monte Carlo ? Off On (1,000 scenarios)

Volatility (%) ?

Start withdrawals in year ?

Withdrawal type ? None CAD dollars per year % of portfolio per year

Withdrawal amount (CAD per year) ?

$

Withdrawal rate (% per year) ?

Retirement duration (years) ?

🎓 Run stress test

Stress test outcome (CAD)

$0

Success probability and range

Worst case (10th percentile)

$0

Low-end outcome

Median (50th percentile)

$0

Most likely

Best case (90th percentile)

$0

High-end outcome

Success probability

0%

Target

Scenario distribution

Want us to model this with full tax accuracy?

We can tailor it to your actual TFSA and RRSP room, your province, and realistic retirement withdrawal sequencing.

📅 Book a discovery call

Educational disclaimer: This tool provides simplified estimates in CAD for education and planning discussion only. It does not reflect full Canadian tax rules, benefit interactions, or investment-specific tax treatment. Consult a qualified professional for advice.