How it works
From worry to clarity. A plan that grows with you.
TruePath is not a form to fill in. It is a calm conversation that turns your scattered numbers into one clear retirement picture, then keeps that picture current as your real life unfolds. Here is the whole journey, end to end.
It starts with a conversation
No forms. Just a friendly chat.
TruePath asks about a dozen short questions and builds your plan as you answer. Type or use your voice. Here is how the first few minutes feel.
TruePath
Building your plan
Hi. I am TruePath. No financial knowledge is needed, and you can change anything later. To start, what is your name?
Dean
Which province do you call home, Dean?
Ontario
Is anyone planning this retirement with you?
My wife Mary
Let us start with you, Dean. When would you like to retire?
At 65
What are your own RRSPs worth today? A rough number is fine.
Around $280,000
Now a few about Mary. When would she like to retire?
At 61
And Mary's RRSPs?
About $140,000
Now your spending. About how much goes to housing and utilities each month?
Around $2,000
This is just a taste. The real conversation keeps going through the rest of your details, then all of your partner's, then your shared household spending. About a dozen short questions in all.
Type or speak your answer
It starts with a conversation
No forms, no spreadsheets. TruePath asks, you answer in plain words or your own voice.
One section at a time
All about you first, then your partner, then your shared household spending. About a dozen short questions in all.
Both of you, together
Add a partner and TruePath plans you as a household, filed separately the way the CRA does.
Your plan builds as you talk
Watch the progress fill. In about 15 minutes you have a real plan, not a guess.
The picture, finally
See your plan in plain English
One household plan. Your after-tax monthly income, what it would take to feel on track, and a confidence read you can actually understand. Calculated separately for each spouse, the way Canadian tax really works.
- After-tax monthly income for every year of retirement
- A confidence read in plain words, not a cryptic score
- OAS clawback flagged before it surprises you
- Pension splitting applied where it makes sense
- Honest about what is still an estimate, like CPP
After-tax monthly
$6,703
99% of your $6,750/mo target
Both CPP amounts are estimated. Add your Service Canada figures for an even sharper plan.
Dean
Retiring at 65
Mary
Retiring at 61
The other half of the plan
Know what your life will actually cost
Income is only half the story. The piece most people are anxious about is spending. TruePath breaks your retirement down the way you actually live it, essentials to the occasional splurge, so your target is yours, not a rule of thumb.
- Every dollar grouped into essentials, lifestyle and future needs
- Monthly and yearly totals for each line, in plain numbers
- See at a glance whether your income covers it, or where it falls short
- Long-term care and the unexpected planned for, not glossed over
- Change a figure and your whole plan re-settles in seconds
Your retirement spending plan
Annual need $81,000Need
$6,750/mo
After-tax income
$6,703/mo
Status
On track
Essentials
$3,900/mo
Lifestyle
$1,900/mo
Future needs & surprises
$950/mo
The full picture
One plain-English number. A real engine underneath.
That single after-tax figure rests on the three things most calculators skip. TruePath models all of them, so your plan reflects your whole financial life, not just your income.
What your life costs
Every category, essentials to the occasional splurge, totalled per month and per year. Your target is built from your real life, not a rule of thumb.
What you actually keep
CPP, OAS, RRSP and RRIF income taxed per spouse, with OAS clawback and pension splitting modelled the way Canadian rules really work.
What you leave behind
See what your plan is on track to leave at the end, and earmark an inheritance or a charitable gift if that matters to you.
Without commitment
Try the question that scares you. Safely.
More than 40 ready-made scenarios, grouped into Timing, Setbacks, Home and Family. What if you retired two years earlier? What if a partner lived to 95? Select one, or ask your own, and watch your plan respond in seconds. Nothing applies unless you choose it.
What if...?
Safe to explore. Nothing changes in your plan unless you choose it.
When you retire, and when you turn CPP, OAS and your savings into income.
Retire earlier than planned
What if you had to stop working two years sooner?
Go part-time before retiring
What if you cut to part-time for three years first?
Delay retirement by two years
What if you worked two years longer than planned?
Take CPP early at 60
What if you started CPP five years before 65?
Delay CPP to 70
What if you waited until 70 to start CPP?
RRSP meltdown in your 60s
What if you drew down your RRSP in the gap years?
More than 40 ready-made scenarios
Real Canadian situations across four areas, from job loss to delaying CPP to downsizing the home. Or ask your own in plain words.
Save the ones that matter
Keep any scenario you run. Come back and re-run it against your latest numbers any time, so a saved answer never goes stale.
Hand it to Ask TruePath
Send a scenario's result straight to Ask TruePath and talk through the trade-offs in plain English, with your real figures already loaded.
More than an app
A companion for the whole journey, not a one-time answer.
Most tools give you a number once, then gather dust. TruePath stays with you. Come back when life moves, update a figure, and your whole picture re-settles in seconds, so retirement stays something to look forward to.
Markets drop
See whether your plan still holds, and for how long.
A new grandchild
Add a gift or an RESP and watch the ripple through your numbers.
An inheritance
Drop it in and see where it changes the picture most.
Time to downsize
Model the sale, the move and the freed-up equity in one go.
Ask TruePath, any time.
An AI chat that knows your full plan. Ask when to take CPP, how OAS clawback hits, whether RRSP or TFSA comes first. Personalised to your numbers, not generic. Voice in, voice out.
Plain English answers
Voice input on every screen
Read-aloud responses
We never connect to your accounts. Ever.
You enter your numbers yourself. No bank login. No brokerage link. No screen-scraping. Your data lives in our encrypted Canadian database, and nowhere else. Simple.
Read about our securityYour first 14 days, and beyond
What the trial actually looks like.
Day 1, the first 15 minutes
Have the conversation.
Answer about a dozen short questions by voice or by typing. Your card is collected so the trial can roll into a subscription, but nothing is charged yet.
Day 1, still
See your whole picture.
After-tax income per spouse, net worth through retirement, and a confidence read in plain words. The thing you have wondered about for years, answered before lunch.
Days 2 to 13
Live with it. Poke at it.
Ask TruePath the questions that keep you up. Try the scenarios that scare 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 $29.99/mo or $329.89/yr, or cancel and pay nothing. Your data is yours either way, and you leave with a clear picture of where you stand.
Every year after
Your plan grows with you.
Markets move, life changes, the rules get updated. TruePath keeps your picture current so you are never planning from a stale number, and retirement stays something to look forward to.
Show your work
Every number has a source.
TruePath publishes its methodology: the CRA rules and tax-year brackets behind every figure, the CPP timing math, the assumptions you can change, and the things it deliberately does not model. More than 800 automated tests pin the engine to published tax tables.
Read how TruePath calculatesYour 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.