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Built in Canada for Canadians

Will your money last through retirement?

TruePath shows you a clear picture of where you stand: your after-tax income, whether your savings are on track to last, and what to try next. Built for Canadian RRSPs, TFSAs, CPP and OAS, in plain English.

Built for couples or singles, however your life is arranged.

No advisor pitch. No bank upsell. Ever.

TruePath
Ask
D
M
Plan
Net Worth
Spending
Taxes
Legacy

After-tax monthly

$6,703

99% of target

Monthly need

$6,750/mo

Net worth today

$1.11M

Combined estate at 90

$3.25M

Export Your Plan

Your retirement spending plan

Annual need $81,000

Need

$6,750/mo

After-tax income

$6,703/mo

Covered

99%

Essentials 49%Lifestyle 42%Future 9%

Essentials

Food and groceries

$850/mo

Transportation

$200/mo

Housing & utilities

$1,000/mo

TruePath
Ask
D
M
Plan
Net Worth
Spending
Taxes
Legacy

Your plan

99% on track

Dean & Mary

$6,703/mo

what you keep each month

99% of your $6,750/mo target

82%confidenceSolid

Both CPP amounts are estimated. For a more accurate plan, add your actual figures from My Service Canada.

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What if...?
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You are not alone

Feeling behind on retirement planning is the rule, not the exception. The numbers prove it.

59%

of unretired Canadians don't think they will ever be able to retire.

HOOPP Canadian Retirement Survey, 2025

61%

of Canadians are stressed about the rising cost of everyday expenses.

Sun Life Financial Stress Survey, 2026

20%

of Canadian pre-retirees have a written financial plan. Most are flying blind.

Fidelity Canada Retirement Report, 2026

43%

of Canadians 50+ say they cannot afford to retire on schedule.

National Institute on Ageing, 2025

The good news? Most retirement problems become easier once you can see them clearly.

If this is you

You are 5 to 20 years from retirement, and you deserve a straight answer.

You are not behind. You just need someone to show you the picture, the way Canadian taxes actually work.

“I don't know if I can retire”

You have been saving for decades, but no one has ever sat down and shown you what it actually adds up to. TruePath answers the question in minutes, after-tax, per person.

“I want clarity, not a sales pitch”

The bank wants to sell you funds. The advisor wants assets under management. You just want a clear answer about your numbers, without a pitch attached. TruePath has nothing to sell, ever.

“CPP and OAS are a mystery”

When to take CPP, how OAS clawback works, what RRIF rules mean for your withdrawals. TruePath models all of it using current CRA rules and explains it without jargon.

Sound familiar? Ask the question that brought you here, no account, no card.

New to all of this?

You do not need to understand any of this. That is the point.

TruePath was built so you never have to learn the tax rules yourself. But if you are curious, we explain every rule in plain English, free, no account needed, with 2026 numbers and worked examples.

Built for real life

Most tools assume one story. TruePath starts from yours.

Take Susan and Mark, six years apart in age: Susan retires at 62, Mark keeps working until 67 and their savings have always been kept separate. Most calculators cannot even describe that household. TruePath plans it in an afternoon, each of them on their own numbers.

What most tools assume

  • The same age
  • Married once, to each other
  • Retiring the same year
  • Money in one shared pot
  • The same life expectancy
  • The same goals

What your life actually looks like

  • Partners with an age gap
  • Second marriages and blended families
  • Couples who keep their money separate
  • Single retirees, with nothing missing
  • Retirement timelines years apart
  • Whatever your household actually is

If the right-hand column sounds like your household, that is the starting point TruePath was built around, not adapted to fit.

How it works

Ask. Understand. Apply.

01

Ask in plain English

Type or speak any retirement question. No forms to fill. No jargon required.

02

TruePath explains the math

Numbers from your own plan. Clear reasoning. No product to sell.

03

Review the options

Specific and clear. See the dollar impact before you decide anything.

04

Apply it. Plan updates instantly.

One click to apply the change. Income, net worth and retirement age update in real time.

Here is the whole flow, from question to updated plan:

Ask TruePath

When should Dean take CPP?

With Dean's CPP record, starting at 65 pays $880 per month. Waiting until 67 lifts that to $1,028 per month: an extra $148 per month for life. The crossover point is around age 79. If Dean lives past 79, waiting wins. Your RRSP balance covers the 2-year bridge comfortably. One option: setting Dean's CPP start to age 67.

TruePath reads responses aloud

Apply to your plan

Setting Dean's CPP start to age 67 adds $148/mo for life. Nothing changes until you choose to apply it.

Apply this change
Change applied to your plan
Dean's CPP
$880/mo$1,028/mo
Combined monthly
$6,840$6,988
Lifetime CPP gain+$38,100

Ask anything about retirement

What you get

One picture of your retirement, the way Canadian taxes actually work.

CPP, OAS, RRSP, TFSA, pension income, real estate, retirement spending, legacy wishes and debts. All modelled into one household plan. Spouses are filed individually, the way the CRA actually does it.

After-tax income clarity

Not gross. After-tax take-home, per person, per year.

TruePath calculates after-tax monthly income for every year of your retirement, separately for each spouse. Most apps show you a single household pre-tax number. That is not how Canadian tax works.

  • After-tax monthly income per spouse, per year using current CRA rules
  • Pension splitting, OAS clawback and RRIF rules applied automatically
  • Withdrawal sequencing strategy: when to draw RRSP, TFSA and non-registered
  • RRSP vs TFSA comparison based on your current and retirement tax brackets

After-tax monthly

$6,703

99% of your $6,750/mo target

On track

Dean

Retiring at 65

CPP$1,100/mo
OAS$743/mo
RRSP / RRIF$552/mo
TFSA$436/mo
Pension$500/mo
Non-registered$548/mo
Before tax$3,879/mo
What you keep$3,712/mo

Mary

Retiring at 61

CPP$860/mo
OAS (starts at 65)$743/mo
RRSP / RRIF$1,239/mo
TFSA$246/mo
Before tax$3,088/mo
What you keep$2,991/mo

Net worth projection

See when the money could get tight.

TruePath projects your assets and debts year by year through retirement, so you can see whether your savings go the distance and the age they could fall short, in red, before it ever surprises you.

  • Pinpoints the year spendable savings could run short, even while your income still covers the bills
  • Surfaces the home equity you could draw on through downsizing, a HELOC or a reverse mortgage
  • Counts real estate as an asset, never as spendable income
  • Plan a big one-time purchase, funded from cash, a TFSA or an RRSP, and watch it flow through your net worth
  • Switch between today's prices and the projected future dollars at each age
+ Assets+ Debts+ GoalsProjectionsScenarios

Net worth today

$1.11M

Last updated May 29, 2026

$1.66M assets$550K liabilities

Net worth projection

How your assets and debts may evolve through retirement.

$4M$3M$2M$1M$0
Today657075808590
Investments
Liabilities
Real estate
Shortfall

What if...?

Try the question that scares you. Safely.

What if you spent winters in Florida as a snowbird? Delayed CPP to 70? Moved to Alberta to cut your tax bill? Every scenario re-models in seconds, using the real Canadian rules. Nothing applies unless you choose it.

  • Snowbird winters or retiring abroad
  • Delay CPP and OAS for bigger cheques
  • Move provinces to lower your tax
  • Sell the cottage, downsize, help the kids

What if...?

Try changes safely. Nothing applies unless you choose it.

Winter in Florida as a snowbird

Delay CPP to age 70

Move to Alberta for lower tax

Sell the cottage and downsize

Spending plan

Build a realistic retirement spending budget.

Most tools ask for one monthly income target and call it a plan. TruePath breaks your retirement spending into essentials, lifestyle and future needs so you can see what your number is built on.

  • Essentials: housing, food, healthcare, transportation and insurance
  • Lifestyle: travel, hobbies, dining out and family support
  • Future needs: long-term care, one-time gifts and emergencies
  • Add or remove items and watch your plan status update instantly

Your retirement spending plan

Annual need $81,000
Need$6,750/mo
After-tax income$6,704/mo
StatusOn track
Essentials 57%Lifestyle 28%Future 14%Gap

Legacy and estate

Plan what you leave behind. Before it becomes someone else's problem.

Most Canadians have no idea that their RRSP becomes fully taxable in the year they die. TruePath shows what actually reaches your family, line by line: the final tax bill, probate, the wishes you want honoured and whether the estate can even pay its own bill.

  • Net to your heirs, line by line: debt, the final tax bill, probate, second-property capital gains and life insurance added in
  • The wishes you want honoured: a funeral budget, charitable bequests and gifts, paid before the remainder reaches your heirs
  • A liquidity check: can the estate pay its bill, or would it force a sale for lack of life insurance?
  • Estate documents named for your own province, like Ontario's Continuing Power of Attorney or Quebec's Protection Mandate, with the real hand-off details and an executor packet PDF

What reaches your family

Projected estate

at plan end, both of you combined

$3,250,000

Plus life insurance

paid to beneficiaries directly, outside probate, tax-free

+$250,000

Less outstanding debt

−$40,000

Less tax on RRSP/RRIF

taxed as income on the final return at the second death

−$33,000

Less capital gains on a second property

on a projected $430K gain by age 90, at 3%/yr growth

−$64,000

Less probate

on assets that pass through the will · rates vary by province

−$48,000

Less gifts you plan to leave

your included wishes, paid out before the remainder

−$75,000

Net to heirs, after the second death

$3,240,000

Projected in today's dollars. Probate and tax rates are provincial estimates. Not legal or tax advice.

Ask TruePath

Answers on call, any time you ask.

An AI chat that knows your full plan. Ask it anything: when to take CPP, how the OAS clawback hits, whether your RRSP or TFSA comes first. Every answer is built from your numbers, never generic.

  • Works from your RRSP and TFSA balances and its estimate of your CPP and OAS
  • Plain English, never jargon
  • Always educational, never product sales

Voice in. Voice out.

Speak instead of typing, on every input
Hear answers read aloud in a calm Canadian voice

Ask TruePath

Can we afford to retire two years early?

Retiring at 63 instead of 65 adds two years of spending and two fewer years of saving. Your after-tax income still covers most of your $6,750/month target, but your savings would start running thin around age 88 instead of 94. A few levers could close that gap: a slightly lower target, a part-time year or two, or freeing up home equity later by downsizing. Here is what each does to your numbers...

Ask TruePath anything...

Simple pricing

One plan. Everything included.

No tiers, no add-ons, no upsells. Less than a tank of gas, every month.

Monthly

$29.99/month

Billed monthly. Cancel any time.

  • Full TruePath plan, both spouses, no limits
  • Ask TruePath AI, voice input, PDF export
Start free trial
Save $30 a year

Annual

$329.89/year

Works out to $27.49 a month. One month free.

  • Everything in monthly
  • One full month free, every year
Start free trial
14 days free on either plan
Card collected at signup, charged at trial end
Cancel before trial ends, pay nothing

Common questions

The questions worth asking first.

Does TruePath connect to my bank or investment accounts?

No. You enter your numbers yourself. TruePath never connects to your bank, brokerage or any external account, ever. Your data stays in our encrypted Canadian database, and nowhere else.

How is this different from my bank's retirement calculator?

Bank calculators give you one pre-tax household number, then point you at their products. TruePath calculates after-tax income per spouse, applies real CRA rules for CPP, OAS clawback and pension splitting, and never has a product to sell you.

Is my data safe and where is it stored?

Your data is encrypted at rest and in transit, and stored in Canada with bank-grade security. We do not sell or share your information.

What if I have a partner with very different numbers?

TruePath models couples the way the CRA actually files them, individually. Your CPP, your RRSP, your tax bracket. Your partner gets their own. Pension splitting is applied where it helps.

Will I really be able to cancel?

Yes. Cancel any time from your account settings. Cancel before the 14-day trial ends and you pay nothing.

Why TruePath

Built for Canadians. On your side.

Made for the Canadian system

CPP, OAS, RRSP, TFSA and the CRA rules behind them, all built in. Your data stays in Canada, too.

No bank login. Ever.

Your numbers, entered by you. No bank or brokerage accounts to link. Nothing to sell you.

Private and protected

Your plan is encrypted and kept private, so what you enter stays yours. Always.

Stop wondering. Start knowing.

Your retirement plan, kept current as life changes.

Fourteen days free. Start fast. Keep refining as your real life moves. Cancel any time before the trial ends and you pay nothing.

Start your free 14-day trial