Play Out Your Financial Freedom
PLAN. IMPROVE. TEST. CONFIRM.
See how your savings, investments, pensions, government benefits, taxes and spending work together. Then test different retirement decisions and scenarios to understand what is possible.
Free Retirement Planning
Customized plan including pensions, optional spouse, multiple retirement stages, optimized for USA and Canada.
Personalized and Insightful
Control inflation and investment growth, manage home assets, view and download tables and charts. Run Monte Carlo simulations.
Maximize After-Tax Income
Optimize your retirement withdrawals, minimize taxes, joint filing (USA), income splitting (Canada).
Key Features
Built for United States & Canada
Designed to support both Americans and Canadians natively. Income channels, regional tax bands, and withdrawal rules are matched to your home country.
Customizable Income
Map out defined-benefit corporate pensions, state options, registered accounts, tax-free instruments, standard non-registered portfolios, and capital windfalls.
Tax Optimization
Run deep state or provincial calculations automatically. Includes automated joint-filing logic and income-splitting modules to maximize take-home wealth.
Use it for free!
Homes & Rental Properties
Integrate primary residences, project future downsizes, model rental properties, account for incoming rental streams, and capture eventual capital gains taxes cleanly.
Visualize Data Flows
Track your projections instantly through custom interactive charts. Review underlying structural raw numbers inside structured spreadsheets built for immediate download.
Stress-Test What-Ifs
Protect your strategy against systemic layout surprises like hyperinflation spikes, weak asset cycles, divorce shifts, or family inheritance changes. Start planning today.
Monte Carlo Simulations
Run thousands of simulations to understand the probability of success for your retirement plan. Test different scenarios and see how they impact your financial future.
Legacy Planning
Plan for the long-term transfer of wealth to your beneficiaries, ensuring your estate aligns with your wishes and minimizes tax implications. Find out how much of your wealth you can spend and still leave a legacy for your loved ones.
FIRE Planner
The Financial Independance Retire Early (FIRE) movement is growing in popularity. Use our FIRE Planner to see if you can retire earlier, how much you can spend, and how to get there.