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, bracket optimization, RRSP vs TFSA strategy and OAS clawback protection.
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 sequencing
Step-by-step strategy: draw RRSP before CPP and OAS start, use TFSA in high-income years, let non-registered investments compound last.
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 exact savings.
CPP timing optimization
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 exactly when the money gets 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 age 95. Realistic returns, inflation and withdrawal rates baked in.
Poor, average and strong market scenarios
Three market outcome lines on one chart show you the range of possibilities so you know exactly how resilient your plan really is.
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.
What-if scenarios
Try the questions that scare you. Safely.
Pre-built life-change scenarios are ready to explore in one click. Or ask your own in plain English. The AI models it against your numbers and shows you the impact on income, net worth and retirement age.
Pre-built scenarios
Retire two years earlier. Job loss. Inheritance. Major medical event. Sell the cottage. Help the kids. One click and the numbers update.
Custom what-ifs
Ask your own scenario in plain English. The AI models it against your numbers and shows the impact on income, net worth and retirement age.
Try, save, revisit
Save the scenarios worth keeping and revisit them any time. Nothing changes your actual plan until you choose to act on it.
Resilience scenarios for couples
What if one spouse passes early? What if one needs long-term care? Calmly framed, never alarmist.
Spending plan
Build a real retirement budget, not a single guess.
Most tools ask for one monthly income target. TruePath breaks your retirement spending into essentials, lifestyle and irregular costs so you know exactly 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 tells you exactly how much ground to close.
Legacy 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 you the tax bill, walks you through the four documents every Canadian needs and lets you record the legacy wishes that matter to you.
RRSP estate tax estimate
See exactly how much tax your RRSP will cost your estate at death. Most Canadians have no idea. Now you do.
Estate planning checklist
The four documents every Canadian needs: will, power of attorney for property, power of attorney for personal care and named beneficiaries. Check them off as you go.
Legacy wishes
Gift to children, down payment help, RESP for grandchildren, charitable bequests. Add what matters, set an amount and toggle each one on or off.
Province-specific probate guide
Probate fees vary widely by province. TruePath explains what your estate will face so you can plan before it is too late to do anything about it.
Ask TruePath
Like a financial planner on call, without the bill.
Streaming 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. Real answers that match your specific numbers and stage of life.
Knows your full plan
Your CPP, OAS, RRSP and TFSA balances, pensions and debts are 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.
Voice and accessibility
The first Canadian retirement tool you can talk to.
Every input has a microphone. Select to hear any AI 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 with a planner.
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, not just techies.
Calm, non-judgmental tone
Plain language. Never alarmist. Honest about trade-offs. Designed for the question that keeps you up at night.
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 information is encrypted at rest and in transit, stored in Canada with bank-grade security.
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
The honest comparison.
Bank calculators
One pre-tax household number. Pointed at their products.
Spreadsheets
Hours of work. Easy to mess up. No tax modelling.
Financial advisor
$2,000+ per year. Often selling assets under management.
TruePath
After-tax per spouse, CRA-compliant, voice-enabled, AI-assisted. $29.99 a month. Cancel any time.
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.