Simple pricing
One plan. Everything included.
$29.99 a month, or $329.89 a year (one month free). Less than a tank of gas. 14 days free on either plan.
Monthly
Billed monthly. Cancel any time.
- Full TruePath plan, both spouses, no limits
- Ask TruePath AI, voice input and read-aloud
- PDF plan export
- All future updates included
Annual
Works out to $27.49 a month. One full month free.
- Everything in monthly
- One full month free, every year
- Lock in this year's rate
- All future updates included
What's included
Everything. No tiers. No add-ons.
One price covers all features for both spouses. We do not believe in upsells.
Income clarity
- After-tax monthly income, year by year
- Per-spouse calculations (the way the CRA files)
- CPP timing optimization
- OAS clawback flagging
- Pension splitting applied automatically
Net worth and scenarios
- Year-by-year net worth projection
- Real estate, investments and debts modelled
- Pre-built scenarios across Property, Family, Health, Windfalls and more
- Custom what-if questions
- Apply, save and undo any change
AI and voice
- Ask TruePath AI chat
- Voice input on every screen
- Read-aloud answers
- Personalised to your numbers
Privacy and output
- No bank or brokerage linking, ever
- Canadian-stored, encrypted at rest
- PDF plan export
- Cancel and export 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
Annual plan
$329.89
Personal financial planner
Typical CFP fee
$2,000 to $5,000
1% AUM advisor on $500K portfolio
Per year, every year
$5,000+
DIY spreadsheet hours
And it still misses tax rules
20 to 40 hours
Pricing questions
The questions everyone asks before paying.
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.
Is there a money-back guarantee?
If you cancel within the first 30 days of a paid month, we refund that month, no questions asked. The 14-day trial means most people never need this.
Do you offer family or couple discounts?
One subscription covers both spouses. 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 you keep it active.
Can I export my plan before I cancel?
Yes. PDF export is always available while your subscription is active. Export anytime you like, including right up to your cancellation date. After you cancel, your plan data is queued for permanent deletion within 30 days, so make sure to export first if you want to keep your numbers.
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 a flat monthly fee, 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.