FAQs
Common questions, answered honestly.
Everything you might wonder before signing up. If something is missing, just reach out and we will add it.
General
The basics
What is TruePath?
TruePath is a Canadian retirement planning app. You enter your numbers, and we show you, in plain English, whether your money will last. After-tax monthly income per spouse, year by year, using current CRA rules for CPP, OAS, RRSP, RRIF and TFSA.
Who is TruePath for?
Canadians 5 to 20 years from retirement who want a clear answer to whether they are on track. You do not need to be wealthy, financially literate, or already organised. The app does the heavy lifting.
Is TruePath a financial advisor?
No. TruePath is an educational planning tool, not a registered advisor. We never give personalised financial advice. For advice specific to your situation, talk to a licensed financial planner (a fee-only one is often a good fit).
How long does setup take?
Most people finish the initial setup in 15 to 20 minutes. Voice input speeds it up further, and you can save and come back at any time. A retirement plan is never really 'done', though. You will come back to update numbers and run scenarios as life changes.
Do I need to be good with numbers?
No. The whole point of TruePath is that you do not have to be. The app handles the math, the tax rules and the projections. You bring the numbers, we translate them into plain English.
Pricing
What it costs
How much does TruePath cost?
$29.99 a month, or $329.89 a year (one full month free). Both plans include everything, for both spouses. There are no add-ons or upsells.
Is there really a 14-day free trial?
Yes. Card collected at signup, no charge until day 14. Cancel before then and you pay zero.
Can I cancel any time?
Yes. One click in your account settings. No phone call, no retention agent. Your plan stays active until the end of the period you have already paid for.
Do you offer family or couple discounts?
One subscription covers both spouses, with no extra fee. There is no per-seat charge.
Security
Your data
Does TruePath connect to my bank or investment accounts?
No. Ever. You enter your numbers yourself. TruePath has no way to log in to your bank or brokerage, by design.
Where is my data stored?
In Canada, in encrypted Canadian-hosted databases, governed by Canadian privacy law (PIPEDA).
Do you sell or share my data?
No. Your information is not sold, shared with advertisers, or given to third parties. We make money from your subscription only.
What happens to my data if I cancel?
When you cancel, your plan data is queued for permanent deletion after 30 days. Export your plan as a PDF before you cancel if you want to keep your numbers. PDF export is always available while your subscription is active.
Features
What it does
What makes TruePath 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.
Does TruePath model OAS clawback?
Yes. We flag the year clawback hits and tell you how much it costs you, so you can plan withdrawals to avoid or minimize it.
Can I model selling my home or downsizing?
Yes. Pre-built scenarios cover Property changes (downsize, access home equity, rent out part of your home), along with Income and career risk, Life and health, Windfalls, Family, Where you live, and Government benefits and tax timing. You can also ask your own custom what-if in plain English.
Can I ask the AI questions about my own plan?
Yes. Ask TruePath is a chat that knows your numbers. Ask about CPP timing, OAS clawback, RRSP vs TFSA, anything. Plain English, voice optional.
Couples & families
Spouses and partners
Does TruePath handle couples?
Yes, the way the CRA actually does: each spouse files separately. Your CPP, your RRSP, your tax bracket; your partner gets their own. Pension splitting is applied where it helps.
Can I model a spouse with very different numbers?
Yes. Different ages, different incomes, different retirement dates, different pension situations. TruePath was built for couples first.
Can I model what happens if a spouse passes early?
Yes. The Resilience scenarios include this. We frame it calmly and never alarmingly, but the math is honest about how survivor benefits and tax brackets change.
Account
Subscription and account
Can I change my plan from monthly to annual?
Yes. You can switch from monthly to annual (or back) at any time. The new plan takes effect at your next billing date.
Can I pause my subscription?
We do not offer formal pausing yet. You can cancel any time, but cancelling queues your plan data for permanent deletion after 30 days, so re-subscribing later means starting fresh. If you want to keep your numbers, export your plan as a PDF before you cancel.
What if I need help during the trial?
Open Ask TruePath inside the app. It is the fastest way to get an answer about your plan, the math or how a feature works. Ask TruePath is included on every page and works with voice.
Did not see your question?
Ask TruePath inside the app is the fastest way to get an answer about your plan, the math or how a feature works. It is included on every page and works with voice.
Other ways to reach usYour 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.