Retirement planning
built around your number

RetirIQ gives you a complete picture of your retirement — income, investments, taxes, and benefits — all modelled with real Canadian tax brackets. No spreadsheets. No guesswork.

Try for free → See Pro features

Free version available instantly — no signup required

2026
Tax brackets
13
Provinces & territories
100%
Local — data never leaves your browser
0
Signup required for free
What's inside

Everything you need to
plan with confidence

From your first paycheque to your last withdrawal — RetirIQ models the full journey.

Canadian tax engine
Real 2026 federal and provincial brackets, CPP, EI, Basic Personal Amount, and OAS clawback — all inflation-adjusted in projections.
Portfolio projections
See your portfolio year-by-year through retirement. Model market crashes, stress-test your plan, and find out exactly what age your money runs out — or doesn't.
Budget tracking
Import bank CSV files, auto-tag transactions, and compare your actual spending to your plan — every month, automatically.
Two-person planning
Model you and your partner independently — separate income, separate retirement ages, combined expenses, and household tax optimization.
Scenario comparison
Run two retirement scenarios side by side. Retire at 60 vs 65. Conservative vs aggressive returns. See the real dollar difference.
AI plan review
Get a plain-English assessment of your entire plan from Claude AI — what's working, what's at risk, and specific recommendations based on your numbers.
Get started in minutes

Four steps to your number

1
Enter your details
Province, birthdate, retirement age. Takes 30 seconds.
2
Add income & investments
Salary, RRSP, TFSA, pensions — whatever you have.
3
Set your expenses
Today's spending and what you expect in retirement.
4
See your projection
Your complete retirement picture — year by year, tax included.
Plans

Start free. Upgrade when you're ready.

The free version is genuinely useful. Pro unlocks the full picture.

Free
$0/forever
Get your basic retirement projection instantly — no signup, no credit card.
Start for free →
  • 1 income source per person
  • 1 investment account per person
  • 1 debt entry
  • 3 pre & 3 post-retirement expenses
  • CPP, OAS, GIS + 1 custom benefit
  • Portfolio, Income & Spending charts
  • Compare scenarios (ages fixed at 65)
  • Canadian tax calculations
  • Retirement age below 65
  • Custom projection age (fixed at 80)
  • Custom inflation rate (fixed at 2.5%)
  • Spending phases
  • Budget tracking
  • AI plan review
  • Excel & PDF export
Most popular
Pro
$25/year
The complete picture. Everything you need to plan retirement with real confidence.
Get Pro →
  • Unlimited income sources
  • Unlimited investment accounts
  • Unlimited debt & expense entries
  • All benefits & unlimited custom pensions
  • Retire at any age — no minimum
  • Custom projection age & inflation rate
  • Spending phases (Go-Go / Slow-Go / No-Go)
  • Full scenario comparison with any age
  • Market crash simulation
  • Budget tracking & CSV import
  • AI plan review & chat
  • Excel & PDF export
  • Two-person / partner planning
  • Help agent & documentation
Full comparison

Free vs Pro — every feature

Feature Free Pro — $25/yr
Personal & Settings
Retirement ageMin. 65, max 80✓ Any age
Default retirement age80✓ Customizable
Projection ageFixed at 80✓ Customizable
Inflation rateFixed at 2.5%✓ Customizable
Partner / two-person planning✓✓
Province selection✓✓
Income
Income sources1 per person✓ Unlimited
Income types (employment, rental, pension…)✓✓
Post-retirement earned income✓✓
Income splitting optimization—✓
Canadian tax (federal + provincial)✓✓
Debt & Expenses
Debt entries1✓ Unlimited
Pre-retirement expense entries3✓ Unlimited
One-off pre-retirement expenses—✓
Expense ends-at-age✓✓
Investments
Investment accounts1 per person✓ Unlimited
Account types (RRSP, TFSA, non-reg…)✓✓
Pre & post-retirement return rates✓✓
Real estate & one-off events—✓
Benefits & Pensions
CPP, OAS & GIS✓✓
Custom benefits / pensions1 per person✓ Unlimited
OAS clawback modelling✓✓
Indexed benefits✓✓
Retirement Expenses
Retirement expense entries3✓ Unlimited
Sync from current expenses✓✓
Spending phases (Go-Go / Slow-Go / No-Go)—✓
One-off retirement expenses—✓
Charts & Analysis
Portfolio projection chartTo age 80✓ Full control
Income chartTo age 80✓ Full control
Spending chartTo age 80✓ Full control
Scenario comparison (A vs B)Ages fixed at 65✓ Any ages
Market crash simulation—✓
Age snapshot (portfolio breakdown)✓✓
Budget Tracking
Bank CSV import—✓
Auto-tagging rules—✓
Budget vs actual comparison—✓
Transaction history—✓
AI & Reporting
AI plan review & follow-up chat—✓
AI help agent—✓
Export to Excel—✓
Print / PDF report—✓
Data & Privacy
Data stored locally — never uploaded✓✓
Backup & restore (JSON)✓✓
Auto-backup—✓
No signup required✓✓ Coming soon
Try free version → Get Pro for $25/year →
🍁

Designed specifically for Canada

RetirIQ uses real Canadian tax brackets for all 13 provinces and territories, models CPP and OAS accurately, includes OAS clawback, and inflates tax brackets year-over-year exactly as the CRA does. No generic assumptions — just accurate Canadian planning.