Simple pricing
One plan. Everything included.
One plan: $289 a year, about $24 a month. Everything included, for one person or two.
One plan
Works out to about $24 a month, billed once a year.
- Everything included, one person or two, no feature gates or add-ons
- Ask TruePath AI with voice input
- PDF plan export
- Your rate stays the same for as long as you stay subscribed
- All future updates included
What's included
Everything. No tiers. No add-ons.
One price covers all features for one person or two. We do not believe in upsells.
Your income plan
- After-tax monthly income, year by year, for each person
- Income from every source: CPP, OAS, RRSP, RRIF, pensions, TFSA and non-registered
- A plan health score out of 100, with the four checks behind it
- The earliest age you could retire and still cover your full monthly need, per person
- CPP and OAS start ages compared, from 60 to 70
- The specific moves that would lift your plan health, priced in points
- Honest about what is still an estimate, like CPP
Tax, kept low
- Per-spouse and household tax, the way the CRA does it
- OAS clawback flagged before it hits
- Pension income splitting quantified as an opportunity, never applied silently
- Withdrawal order compared: RRSP-first, TFSA-last or bracket-smart
- RRSP or TFSA for your next dollar, using your rate now against your rate in retirement
- RRSP and TFSA room tracked
- Property tax deferral modelled where your province runs a program
Spending plan
- Your budget across essentials, lifestyle and one-off costs
- Life insurance premiums and debt payments folded in
- A clear on-track or off-track read
- Long-term care and the unexpected, planned for
- The most you could afford to spend each month, which is a different number from your recurring income
Net worth and what-ifs
- Year-by-year net worth to the age you choose
- Every chart in today's dollars or future dollars, so the numbers mean something
- Real estate, investments and debts, with real amortization
- Savings goals for big purchases, funded from cash, a TFSA or an RRSP
- Market outcomes from a stress test to an optimistic case
- More than 40 what-if scenarios: Timing, Setbacks, Home and Family
- Ask your own what-if in plain words, then save or undo it
Legacy, estate and education
- What actually reaches your family, line by line
- Probate and the final tax bill at your province's rates
- A check on whether your life insurance covers the gap
- Estate documents named for your province, and an executor-packet PDF
- Spend it well: name the estate you want to leave and see what the rest could fund, as more to spend each month or an earlier retirement
- RESP planning per child, with the CESG grants they earn
Ask, voice and privacy
- Ask TruePath on every screen, answering from your own plan
- Voice input on every field, so you can talk instead of type
- No bank or brokerage linking, ever. You enter your own numbers
- Canadian-stored and encrypted, with optional two-factor sign-in
- Your full plan as a PDF, and export or delete your data any time
The 14-day trial
No tricks. No friction. No charge until day 14.
Day 1
Sign up
Card collected, but not charged. You get full access immediately.
Days 1 to 13
Use everything
Build your plan, run scenarios, ask questions. Same access as a paying customer.
Day 14
Decide
Cancel before this date and pay nothing. Or do nothing, and your plan picks up.
We send a reminder before your trial ends.
Three days before billing, we email a clear heads-up. No surprise charges. Cancel with one click in your account settings, no phone call required.
Cost comparison
How it compares.
We are not anti-advisor. We just think most Canadians need clarity first, before paying for advice. Here is what each option costs.
TruePath, full year
Everything included, one person or two
$289
An advisor charging 1% of a $500,000 portfolio
Every year, whatever the markets do
1% is the usual fee-based rate: MoneySense, September 2024, and Wealth Professional, July 2025
$5,000
There are other routes too. A fee-only planner prices a one-off plan per engagement, so it reflects your life on the day it is written. Building it yourself in a spreadsheet is free, but keeping the tax rules current is then up to you.
Worth it only if the numbers are right. See exactly how we calculate them.
Pricing questions
The questions worth asking before you pay.
Will I really not be charged during the trial?
Correct. We collect your card at signup so we can keep your plan active if you continue, but no charge happens before day 14. Cancel any time before then and you pay zero.
Can I cancel any time after the trial?
Yes. Cancel in your account settings. No phone call, no retention agent. Your plan stays active until the end of the period you already paid for.
Do you offer family or couple discounts?
One subscription covers one person or two. There is no per-seat charge.
What payment methods do you accept?
Visa, Mastercard and American Express, processed by Stripe. We do not store your card number on our servers.
Will the price ever go up?
If we raise prices in the future, your existing plan stays at the rate you signed up at, for as long as your subscription stays continuously active on the same plan. A new price applies to new subscriptions from the day it takes effect. If you let a subscription lapse and start again later, you move to the price current at that time. Either way, we give you advance notice before anything that affects what you pay changes, so you can decide first.
Can I export my plan if I cancel?
Yes. You can download your plan as a PDF and your data as a spreadsheet any time, including after your subscription ends. After you cancel we keep your plan data so you can return and pick up where you left off, and you can permanently delete it any time, even after your subscription has ended.
Everything in TruePath, in one transparent price.
We will never ask you to upgrade for the "good features." We will never sell you a financial product. We charge one flat yearly price, and that is it.
Start your free 14 daysYour 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.