How it works
From worry to clarity in about 15 minutes.
No forms and no spreadsheets. TruePath asks about your life in plain words, then turns your answers into one honest after-tax picture of your retirement.
The whole journey
Four steps, start to finish.
Most people are done in one sitting. Here is each step and what you actually see.
Step 1
Tell TruePath about you
A conversation, not a form. Where you live, when you would like to retire, whether anyone is planning it with you. Speak your answers or type them.
Hi. I am TruePath. No financial knowledge needed, and you can change anything later. What is your name?
Susan
Which province do you call home, Susan?
Ontario
Is anyone planning this retirement with you?
Just me
When would you like to retire?
At 65
Roughly what do you have in an RRSP? A rough number is fine.
About 540,000
Step 2
Add what you have and what you spend
Savings, any pension, your home and debts, and a rough sense of your monthly spending. Estimates are fine, and you can sharpen any of them later.
What you have
What you spend
Add a partner and TruePath models each person’s taxes separately, then combines the after-tax results into one household plan.
Step 3
See whether it covers the life you want
Your after-tax monthly income, the amount your plan actually needs, and a plan health score out of 100 in plain words. Usually before lunch.
Your plan
Susan
$3,927/mo
your income in retirement after taxes
your plan needs $5,240/mo, $1,313/mo more than this
Your savings cover the difference every year, funded through to 90.
Step 4
Ask it anything, and keep it current
Ask in plain words and get an answer built from your own numbers, with a link to the exact screen if you want to change something. Try a scenario, or come back when life moves and the plan moves with it.
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...
Want the full tour of what it can do? Explore every feature.
What you need
Less than you think.
You do not need to prepare. If you know your balances roughly, you know enough to start, and TruePath fills in the Canadian parts for you.
Before you start
Nothing to download, no statements to dig out. Rough numbers are fine.
- RRSP and TFSA balances (roughly, from your last statement)
- Any workplace pension (the monthly amount, if you have one)
- Your CPP estimate (optional, TruePath estimates it for you)
- Mortgage and other debts (balance, rate and payment)
- Roughly what you spend (a monthly ballpark is enough)
Do not have a figure to hand? Put in your best guess and carry on. You can refine any of it later, and your plan updates the moment you do.
Your first 14 days
What the trial actually looks like.
Day 1, the first 15 minutes
Have the conversation.
About a dozen short questions, by voice or by typing. Your card is collected so the trial can roll into a subscription, and nothing is charged yet.
Day 1, still
See your whole picture.
Your after-tax income, your net worth through retirement and a plan health score in plain words.
Days 2 to 13
Live with it. Poke at it.
Try the scenarios that worry you. Remember the pension you forgot and watch the plan settle around it. This is where it becomes yours.
Day 14
Decide, with no pressure.
Continue at $289 a year, about $24 a month, or cancel and pay nothing. Your data is yours either way.
Every year after
Your plan grows with you.
Markets move, life changes, the tax rules get updated. You are never planning from a stale number.
Why you can trust the numbers
Nothing linked. Nothing hidden.
No account connections. You type your numbers in. There is nothing to link and no login to your bank.
Stored in Canada. Your plan data lives in Canadian data centres under Canadian privacy law.
Published methodology. Real CRA brackets, pinned by automated tests, and a list of what TruePath does not model.
Yours to take. Export the whole plan as a PDF at any time, including the day you cancel.
The full workings, including what is deliberately not modelled, are on how we calculate.
Build your retirement picture.
About fifteen minutes, in your own words. Fourteen days free, card collected at signup and nothing charged until day 14. You leave with a clear answer either way.