Features
Everything in one app, the way Canadian retirement actually works.
After-tax income per spouse, CRA-compliant rules, voice-enabled, AI-assisted. Nothing held back. No add-ons. No upsells.
Tax strategy
After-tax income is just the start.
TruePath calculates after-tax monthly income per spouse for every year of retirement using current CRA rules. Then it goes further: withdrawal sequencing, which bracket each dollar lands in, RRSP vs TFSA strategy and OAS clawback protection. New to these terms? We explain the OAS clawback, CPP timing and RRIF minimums in plain English, free.
After-tax monthly income
Per spouse, per year, for the entire retirement. Not a single household pre-tax average like the bank calculators give you.
Withdrawal order, compared
RRSP-first, TFSA-last and bracket-smart strategies side by side, with the lifetime household tax and plan-end assets of each. Pick the one that fits and your whole plan simulates with it.
RRSP vs TFSA strategy
Compares your current marginal rate to your retirement rate and shows which account would save more tax on paper, per spouse.
OAS clawback protection
Flags the year clawback hits, shows the cost and suggests TFSA withdrawals instead of RRIF to keep you below the threshold.
Pension splitting applied
Where it makes sense, we split eligible pension income to lower your couple's combined tax bill and show you the estimated savings.
CPP timing, compared
Compare CPP at 60, 65 or 70 with side-by-side after-tax outcomes. See the breakeven age and monthly difference clearly.
Net worth projection
See when the money could get tight.
A year-by-year picture of your investments, real estate and liabilities through retirement. Spot the dip before it surprises you, and stress-test your plan against three market scenarios.
- Year-by-year projection. Watch your net worth move from today through your planning age. Estimated returns, inflation and withdrawal rates baked in.
- Savings goals for big purchases. Planning a vehicle, a home repair, a trip or a second property? Set the amount in today's dollars and when you need it, choose whether you fund it from cash, a TFSA or an RRSP, and watch it flow through your projection. An RRSP-funded goal is grossed up for the tax, so the number is real.
- Stress-test to optimistic market scenarios. Four market outcome lines on one chart, from a stress test through to an optimistic case, show you the range of possibilities so you can see how resilient your plan is across them.
- Real estate vs investments. Sees your home as an asset but not as spendable income. Tracks the difference clearly so you know what is actually spendable.
- Today's dollars or future dollars. Toggle between nominal values and inflation-adjusted purchasing power so the numbers mean something real to you.
Net worth today
$1.11M
Last updated May 29, 2026
Net worth projection
How your assets and debts may evolve through retirement.
What-if scenarios
Try the questions that scare you. Safely.
Pick a Canadian what-if
Snowbird winters, move province, delay CPP, sell the cottage. Ready in one click, or ask your own.
TruePath models it against your numbers
Real costs, US visitor health insurance, the IRS 183-day rule and provincial residency, all in plain English.
See the full impact
Your monthly gap, after-tax income and net worth, before and after, with the trade-offs laid out honestly.
Nothing changes unless you choose
Save it, try another, or take it to Ask TruePath. Your real plan stays exactly as it was.
Here is a real Canadian what-if, start to finish:
What if...?
Safe to explore. Nothing changes unless you choose it.
Timing, Setbacks, Home, Family and more
Pick a ready-made scenario, or type your own below.
What if we spent three months each winter as snowbirds in Florida?
Three months as snowbirds would cost you and Mary roughly $24,000 a year: about $12,000 for a furnished winter rental, $2,500 in flights and travel, and $4,000 to $6,000 in US visitor health insurance for two people 65+, the line most snowbirds underestimate. That widens your current $46/month shortfall to about $1,954/month. Two rules matter: the IRS 183-day presence test, where 90 days a year keeps you well clear, and most provinces need you present 5 months a year to keep health coverage. Three months away leaves you inside both.
Scenario impact
Three winter months as a snowbird adds roughly $24,000 a year, turning your current $46/month shortfall into a $1,954/month shortfall against your retirement target.
Trade-offs
- You would need to cover an extra $1,908/month from savings or reduce other spending.
- Snowbird costs drop if you own rather than rent in the US, but that adds complexity and upfront capital.
Nothing here changes your plan.
Try: "What if I retire at 60?"
Spending plan
Build a realistic retirement spending budget.
Most tools ask for one monthly income target. TruePath breaks your retirement spending into essentials, lifestyle and irregular costs so you can see what your number is built on and which levers to pull if it needs adjusting.
- Essential costs. Housing, food, utilities, transportation, healthcare and insurance. The non-negotiables that anchor your plan.
- Lifestyle spending. Travel, hobbies, dining out and family support. The things that make retirement worth having. Toggle each on or off to see the impact.
- Irregular and future costs. Long-term care, one-time gifts and emergencies. Modeled so they don't catch you off guard when they arrive.
- Live plan status. Add or remove a spending item and your plan status updates instantly. Green means you're covered. Red shows how much ground there is to close.
Your retirement spending plan
Annual need $81,000Legacy and estate
Plan what you leave behind. Before it becomes someone else's problem.
Most Canadians have no idea 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
One waterfall from your projected estate to what your family actually keeps: debt, the final tax return, probate at your province's rates, second-property capital gains, life insurance added and planned gifts paid out. Every line visible, nothing netted silently.
The wishes you want honoured
An estate is more than a number. Set a funeral budget, charitable bequests and gifts for the people you love. TruePath pays them from the estate before the remainder reaches your heirs, so what matters to you is never the first thing cut.
Will there be enough life insurance?
Registered accounts pass straight to your beneficiaries, but their tax bill stays with the estate. TruePath checks whether its own cash covers the tax, debt and probate, and flags when a shortfall would force a sale or call for life insurance.
The right documents for your province
The documents that apply where you live, across all 13 provinces and territories, named the way a local lawyer would: Ontario's Power of Attorney for Property, Quebec's single Protection Mandate and BC's Representation Agreement. Each carries the hand-off details your family needs.
Ask TruePath
Answers on call, any time you ask.
An AI chat that knows your numbers. Ask anything about Canadian retirement, in plain English. Educational only, never product sales.
- Plain-English answers. No jargon. No pages of disclaimers. Straight answers that match your specific numbers and stage of life.
- Knows your full plan. Your RRSP and TFSA balances, your CPP and OAS estimates, your pensions and debts, all in context. The AI sees what you see.
- Educational, not advice. We are clear: this is general education, not personalised financial advice. We never have a product to sell you.
- Try before you commit. Available the moment you sign up. Use it during your trial. Decide if it adds value before you ever pay.
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...
Voice and accessibility
A Canadian retirement tool you can talk to.
Every input has a microphone. Select to hear any Ask TruePath answer read aloud. Built for people who learn by talking, not by squinting at spreadsheets.
Voice input everywhere
Mic icon on every field and every chat. Talk through your numbers like a conversation, not a form.
Read-aloud answers
Select to hear any Ask TruePath response read aloud in a clear, calm Canadian voice. Learn without staring at a screen.
Built for accessibility
16-point minimum body text, strong colour contrast and full keyboard navigation. Built for everyone, however comfortable you are with apps.
Calm, non-judgmental tone
Plain language. Never alarmist. Honest about trade-offs. Designed for the question that keeps you up at night.
Education savings
RESP planning for the kids, or the grandkids.
An opt-in card on your plan for households with education to fund. Turn it on in Settings and TruePath projects each child's Registered Education Savings Plan (RESP), the government grants they earn and the monthly amount that fully funds the goal.
- Every grant dollar counted. Through the Canada Education Savings Grant (CESG), Ottawa matches 20% of RESP contributions, up to $500 a year and $7,200 lifetime per child. TruePath tracks each child's grant separately, because each child earns on their own contributions.
- Catch-up room included. Started late? Unused CESG room carries forward, and contributions can earn up to $1,000 of grant a year until the room is used. The projection models the catch-up automatically.
- The number that funds it. Tuition is projected to each child's actual school years, with education costs growing 2.5% a year, then solved backward into one monthly contribution that fully funds the goal.
- Coverage by school year. A year-by-year table shows what is available against each child's costs, for family or individual plans, so a shortfall is visible a decade early instead of at enrolment.
Education savings (RESP)
Save $590/moTo fully fund Bob and Sally’s education, save $590/mo
Contributions up to $417/mo earn the 20% grant; the rest covers the remaining cost.
Save $590/moProjected RESP balance
A shortfall shows a decade early, while there is still time to close it.
Privacy and output
Your data stays yours. Your plan is portable.
No bank linking, ever. Canadian-stored. Encrypted. And when you want to share or print your plan, we make it easy.
No bank or brokerage links
You enter your numbers yourself. We never connect to or scrape any external account. Period.
Canadian data residency
Your plan data is encrypted at rest and in transit, stored on Canadian servers with bank-grade security. Operational services like email and payments may use trusted providers outside Canada.
PDF plan export
Download your full plan as a clean PDF to keep, share or hand to a planner of your own.
Cancel any time
Stop paying the day it stops being useful. Your data is exportable. Leaving is never hard.
Why TruePath
How TruePath compares.
The usual options each leave a gap. Here is what they miss, and what TruePath does instead.
Bank calculators
One pre-tax household number. Pointed at their own products.
Spreadsheets
Hours of work. Easy to break. No real tax modelling.
Financial advisor
$2,000+ a year. Often tied to assets under management.
TruePath
Everything in one Canadian retirement plan.
$29.99 a month, both spouses included. 14 days free, cancel any time.
- After-tax income for each spouse, not one household guess
- Withdrawal sequencing and OAS clawback modelled to CRA rules
- What if...? life changes, voice input and read-aloud answers
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.