Will your money last through retirement?
Most of us were never taught how Canadian retirement rules work. TruePath explains them in plain English and shows how they apply to your own money.
For couples or singles, however your life is arranged.
No advisor pitch. No bank upsell. Ever.
After-tax monthly
$7,888
savings cover $562/mo
Monthly need
$8,450/mo
Net worth today
$2.52M
Combined estate at 90
$4.3M
Your retirement spending plan
Annual need $101,400Need
$8,450/mo
After-tax income
$7,888/mo
From savings
$562/mo
Essentials
Housing & utilities
$1,750/mo
Food and groceries
$820/mo
Transportation
$540/mo
Your plan
SolidDean & Mary
$7,888/mo
what you keep each month
your plan needs $8,450/mo, savings cover $562
Both CPP amounts are estimated. For a more accurate plan, add your actual figures from My Service Canada.
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
20%
of Canadian pre-retirees have a 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 to see the full picture clearly, with Canadian taxes worked in.
“I don't know if I can retire”
You have saved for decades, but no one has shown you what it adds up to. TruePath shows what you will have to live on each month after tax, and how long it lasts.
“I want clarity, not a pitch”
Banks have funds to sell and many advisors are paid on what you invest. TruePath has no products, no commissions and no upsell. Just a clear look at your own numbers.
“CPP and OAS are a mystery”
When to take the Canada Pension Plan, how Old Age Security gets clawed back, what happens to your RRSP at 71. TruePath works it into your plan and explains each rule.
Sound familiar? Ask the question that brought you here, no account, no card.
Built for real life
Most tools assume one story. TruePath starts from yours.
Take Ellen and Ray, six years apart in age: Ellen retires at 62, Ray 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.
New to all of this?
You do not need to understand any of this to get started. That is the point.
TruePath explains each rule as you go, in plain English. Start with the free answers below, with 2026 numbers and worked examples, no account needed.
What you get
One picture of your retirement, the way Canadian taxes actually work.
Your pensions, savings, home, spending, debts and legacy wishes in one plan. Each person’s taxes are worked out separately, then combined into one household picture.
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
$7,888
savings cover the $562/mo difference
Dean
Retiring at 63
Mary
Retiring at 61
- After-tax monthly income for each person, every year, using current tax and benefit rules
- OAS clawback and RRIF rules applied automatically, pension splitting quantified for you to apply
- Withdrawal sequencing strategy: when to draw RRSP, TFSA and non-registered
- RRSP vs TFSA comparison based on your current and retirement tax brackets
When can you retire?
The question you actually came here with.
Pick any retirement age between today and 75. TruePath tells you whether your plan survives it, the most you could spend at that age, and what would reach your family at the end.
When can you retire?
Dean & MaryAs early as 59that is today
The earliest age Dean can retire and still cover the full $5,320/mo, with savings lasting to 90. Drag the marker to compare any age.
27 yrs
Years in retirement
$4.3M
Estate at 90
Retire at 63 and your plan could carry up to about $6,750/mo of spending, against the $5,320/mo you plan, funded through your plan age of 90.
- The earliest age your savings still cover your full monthly need, worked out for each spouse
- Ages that would leave you short are greyed out and named, with the age the money runs dry
- The spending ceiling, the estate and how long the savings last, all moving together
- Staggered retirements handled: one of you can stop while the other keeps working
There is a good deal more in the app.
Net worth year by year, a spending plan that shows where costs start and stop, the tax levers, the estate waterfall and Spend it well. Every one shown with a real screen from the app.
Ask TruePath
Answers on call, any time you ask.
Ask a question in your own words and get an answer worked out from your plan: when to take CPP, how the OAS clawback affects you, whether to draw from your RRSP or TFSA first. Never a generic article.
- Uses your own balances, pensions and benefit estimates
- Plain English, never jargon
- Educational, never selling you a product
Ask it your way.
Ask TruePath
Can I retire two years early?
Yes. Retiring at 63 instead of 65 still covers your $3,680/mo spending plan, and your savings last to 95, five years past your plan. The trade-off is two fewer years of saving: the most the plan could carry drops from $4,250 to $3,800 a month, and what reaches your family at 90 goes from $1.88M to $1.54M.
Want me to show what delaying CPP to 70 would give back?
Yes, please
Ask TruePath anything...
Built for everyone
Retirement planning you can read, use and understand, on any screen.
Planning your future should not depend on perfect eyesight, a steady hand or a big screen. TruePath is designed and built to the WCAG 2.2 AA accessibility standard, explains everything in plain English and works as well on your phone as on your computer.
Easy to read
Text is never smaller than 16px, contrast is strong and pages stay readable zoomed to 200%.
Speak instead of type
In the app, every field has a microphone, so you can say your numbers and questions out loud.
No mouse needed
Everything works with a keyboard alone, with a focus outline you can always see, and it is tested with screen readers.
Made for your phone
The learning library, the calculators and your plan fit any screen, with no pinching or zooming.
Simple pricing
One plan. Everything included.
No tiers, no add-ons, no upsells. $289 a year, about $24 a month.
One plan
Works out to about $24 a month, billed once a year.
- Full TruePath plan, for one person or two, no feature gates or add-ons
- Ask TruePath AI, voice input, PDF export
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 plan is held in an encrypted Canadian database, and there is no connection for anyone to misuse.
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 for each person, applies the real rules for the Canada Pension Plan (CPP), the Old Age Security (OAS) clawback and pension splitting, and has no financial products to sell you.
Is my data safe and where is it stored?
Your plan data is encrypted at rest and in transit and stored in Canada, under Canadian privacy law. Two optional features send data outside Canada: the AI assistant and voice input pass what you choose to share to processors in the United States, and our analytics and error monitoring are hosted in the European Union with personal and financial details stripped out first. We never sell your information and never share it for advertising. Beyond the service providers who run those parts of the product for us, under contract, nobody else receives it.
What if I have a partner with very different numbers?
TruePath models each person's taxes separately, the way Canadian tax actually works. Your CPP, your Registered Retirement Savings Plan (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. By Canadians.
Made for the Canadian system
CPP, OAS, RRSP, TFSA and the tax and benefit rules behind them, all built in. Your plan data stays in Canada, too.
No bank login. Ever.
Your numbers, entered by you. No bank or brokerage accounts to link. No financial products to sell you.
Private and protected
Your plan is encrypted and kept private, so what you enter stays yours. Always.
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.