“I've been retired for three years and finally have a tool that explains my CPP, OAS and RRIF withdrawals in plain English. No more guessing whether I'm doing it right.”
Margaret Chen
Toronto, ON
Built in Canada for Canadians
Will your money last through retirement?
TruePath shows you exactly where you stand: your real after-tax income, whether your savings will 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.
14 days free
Cancel any time
$29.99 a month
TruePath
Ask TruePath
D
M
Dean & MaryPlan
Net Worth
Spending
Taxes
Legacy
After-tax monthly
$6,850
Buffer $1,200/mo
Monthly need
$5,650/mo
Net worth today
$960K
Combined estate at 90
$2.0M
Export Your Plan
Where you stand
Annual need $67,800Need
$5,650/mo
After-tax income
$6,850/mo
Buffer
+$1,200/mo
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
Buffer $1,200/moDean & Mary
$6,850/mo
what you keep each month
121% of your $5,650/mo target
98%confidenceRobust
Both CPP amounts are estimated. For a more accurate plan, add your actual figures from My Service Canada.
Home
+Add
What if...?
Settings
You are not alone
Most Canadians lose sleep over the same question. The numbers show it.
59%
of unretired Canadians don't think they will ever be able to retire.
HOOPP Canadian Retirement Survey, 2025
$1.7M
is what Canadians say they need to retire comfortably.
BMO Annual Retirement Study, 2026
22%
of Canadian pre-retirees have a written financial plan. Most are flying blind.
Fidelity Canada Retirement Report, 2025
43%
of Canadians 50+ say they cannot afford to retire on schedule.
National Institute on Ageing, 2025
If this is you
You are 5 to 20 years from retirement, and the question keeps you up at night.
You are not behind. You are not alone. 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.
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
Real numbers from your actual plan. Clear reasoning. No product to sell.
03
Review the options
Specific and clear. See the exact 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.
TruePath
David and Linda
Change applied to your plan
David's CPP
$880/mo$1,007/mo
Combined monthly
$6,840$7,107
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. Real 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
Your retirement plan
Dean and Mary
$11,506/mo
after-tax combined income vs $6,650/mo target
Dean, retiring at 63
- CPP$818/mo
- OAS at 65$713/mo
- RRSP / RRIF$9,188/mo
- After-tax$8,961/mo
Mary, retiring at 60
- CPP$611/mo
- OAS at 65$713/mo
- RRSP / RRIF$880/mo
- After-tax$2,545/mo
Net worth projection
See exactly when the money gets tight.
A year-by-year picture of your investments, real estate and liabilities, all the way through retirement. Spot the dip before it surprises you.
- Realistic returns, inflation and withdrawal rates
- Sees real estate as an asset but not as spendable income
- Tracks debts paying down the way they actually pay down
Net worth projection
How your assets and debts evolve through retirement
Today
63
68
73
78
83
88
Real estate
Investments
Liabilities
Today
$0.1M
At 88
$0.0M
Change
+$0.0M
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 real retirement budget, not a single guess.
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 know exactly 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
Monthly retirement spending
EssentialsLifestyleFuture needs
Essentials
$176/mo
Lifestyle
$0/mo
Future needs
$0/mo
Total need
$0/mo
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 you the tax bill, walks you through the four documents every Canadian needs and lets you add the legacy wishes that matter to you.
- RRSP estate tax estimate: see exactly what your estate will owe
- Legacy wishes: gifts, RESP contributions, charitable bequests and more
- Estate planning checklist covering the four documents every Canadian needs
- Province-specific probate fee guide so there are no surprises
RRSP at death
Becomes fully taxable income in your final return
RRSP balance$342,000
Estimated tax bill$148,260
Your legacy wishes
Gift to children$50,000
Down payment help$75,000
Charitable bequest$10,000
Ask TruePath
Like a financial planner on call, without the bill.
Streaming AI chat that knows your full plan. Ask anything: when to take CPP, how OAS clawback hits, whether RRSP or TFSA comes first. Personalised to your numbers, not generic.
- Knows your CPP, OAS, RRSP and TFSA balances
- Plain English, not jargon
- Always educational, never product sales
Ask TruePath
When should Mary take CPP?
Based on your plan, Mary delaying CPP from 60 to 65 lifts her monthly benefit from $611 to roughly $955. Over a 30 year retirement that is meaningful...
Ask TruePath anything...
Voice in. Voice out.
The first Canadian retirement tool you can talk to.
Every input has a microphone button. Select to hear any AI answer read aloud. Built for people who learn by talking, not by squinting at spreadsheets.
Speak instead of typing
Mic icon on every input. Talk through your numbers like a conversation.
Hear answers read aloud
Select to hear any Ask TruePath response read aloud in a clear, calm Canadian voice.
Reviews from across Canada
Loved by Canadians planning retirement.
Real feedback from people building their plan on TruePath.
“As a couple we needed something that actually models both of our incomes and the Quebec rules. The pension splitting calculations alone were worth it.”
Robert & Diane Tremblay
Quebec City, QC
“I'm five years from retirement and the What if tool let me try delaying CPP, working part-time and downsizing the house. I left with a clear plan instead of a knot in my stomach.”
James MacDonald
Halifax, NS
“My husband passed and I needed to rebuild our retirement plan as a single person. TruePath handled the transition without making me feel like I'd done anything wrong.”
Susan Patel
Calgary, AB
“We almost paid $4,000 for a one-time plan from an advisor. TruePath gives us the same picture, updated whenever our situation changes, for less than a streaming service.”
David & Catherine Walsh
Vancouver, BC
“I asked a question by voice while making coffee and got an honest answer about whether I could afford the cottage. The voice mode alone is a game changer for older eyes.”
Michael O'Brien
Winnipeg, MB
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
Best value, save $30
Annual
$329.89/year
Works out to $27.49 a month. One month free.
- Everything in monthly
- One full month free, every year
14 days free on either plan
Card collected at signup, charged at trial end
Cancel before trial ends, pay nothing
Common questions
The questions every pre-retiree asks.
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. Owned by you.
Canadian-built, Canadian-stored
Your data lives in Canada. CPP, OAS, RRSP and TFSA logic built around current CRA rules.
No bank login. Ever.
Your numbers, entered by you. No bank or brokerage accounts to link. Nothing to sell you.
Encrypted, end to end
Every connection uses TLS 1.3. Your plan data is encrypted at rest with AES-256.
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.
Quick to start 14 days free Cancel any time Made in Canada