Everything in one app, the way Canadian retirement works.

The earliest age that actually works. The first age your savings still cover the full monthly need, for each person.

Every other age, side by side. Drag the years and watch the spending ceiling, estate and run-dry age move together.

Honest about the years that fail. Ages that leave you short are greyed out, with the age the money runs dry.

Staggered retirements handled. One can stop while the other works. The plan prices the overlap.

Every stream, named and dated. CPP, OAS, pensions, RRIF, TFSA and non-registered, each with its start age.

Per spouse, not per household. Two calculations, combined at the end. The lower earner's room is the whole reason withdrawal order and splitting matter.

Before tax and what you keep. On the same row, so the gap between them is impossible to miss.

Start ages you control. Move CPP or OAS and every downstream year re-runs, clawback included.

Four rates, one tap apart. Stress test, Baseline, Strong and Optimistic. The axis is labelled every time it moves, so a rescale between scenarios is never hidden from you.

Told in words, not just bars. When a rate runs your savings dry, the card names the age it happens, rather than leaving you to read it off a chart.

Split by account. RRSP and RRIF, TFSA and non-registered, drawn separately, so you can watch the registered money go first and the tax-free pool last.

The rate you leave becomes your plan. No separate settings screen. Choose the assumption you believe and every other number on the page follows it.

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. A vehicle, a roof, a trip, a second property. Set the amount and the year, pick the account that pays for it, and watch it move through the projection. An RRSP-funded goal is grossed up for the tax.

Stress-test to optimistic market scenarios. Four market outcome lines on one chart, Stress test, Baseline, Strong and Optimistic, 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.

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.

Withdrawal order, compared. All three orders on screen at once, each with its lifetime tax and how long the savings last. The lowest-tax and longest-lasting are labelled as exactly that. Pick one and the plan re-simulates.

OAS clawback protection. Flags the year the clawback starts, prices what it costs, and shows the TFSA withdrawals that would keep you under the threshold.

Pension splitting, quantified. Where splitting eligible pension income would cut your combined bill, the saving is shown with the dollars attached. It is never applied without you.

Property tax deferral, where it exists. Some provinces let older homeowners defer property tax against the home. TruePath models the real programs, British Columbia from 55 and Alberta from 65, and shows what the estate repays.

CPP timing, compared. CPP at 60, 65 or 70 side by side, in after-tax dollars, with the breakeven age and the monthly difference spelled out.

Spend more, every month. Leave $3.7M instead of $4.3M and this plan funds $580 more a month, every month.

Or retire sooner instead. The same trade priced the other way: how many years earlier you could stop.

Your home is the floor. Savings run down, the house does not. Going below it means moving.

Floored, never flattered. Every figure rounds down, so the number is one the plan can actually carry.

Ready-made, and Canadian. Snowbird winters, a lower-tax province, delaying CPP, selling the cottage.

Run against your numbers. Real costs and CRA rules, not a generic illustration.

The full impact, honestly. Monthly gap, after-tax income and net worth, before and after.

Nothing changes unless you say so. Save it, try another, or hand it to Ask TruePath. Your plan stays put.

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. It sees what you see.

Educational, not advice. We are clear: this is general education, not personalised financial advice. We have no financial products to sell you, and no commissions to earn.

Try before you commit. Available the moment you sign up. Use it during your trial. Decide if it adds value before you ever pay.