Global settings

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⚡ Updates inflation on all tabs — override per-tab for scenarios
⚡ Updates projection age on all tabs — override per-tab for scenarios

Your information

Retirement ages

Your retirement age

65
—

Partner's retirement age

65
—

Budget tracking

When enabled, adds a Budget section to the sidebar where you can import bank transactions, set up tagging rules, and compare actual spending to your plan.

Reports

Export your retirement plan to Excel for offline editing, or generate a PDF snapshot — useful for keeping a yearly record.

General

Version history

v1.31 — Pro
VersionWhat's new
v1.31
Initial Release 🦄✨🌈
The first version ever released into the wild. Everything is new. It's all unicorns, rainbows and glitter. The charts are pretty, the AI thinks it knows things, the numbers look very convincing, and somehow it all fits in a handful of HTML files. If something breaks, it was definitely always like that.

Data backup & restore

Your retirement data is stored in your browser's local storage (not a file you can access directly) and is never uploaded anywhere — keeping your information completely private. However it can be lost if you clear your browser cache or cookies, switch browsers, or use a different device.

Use Backup data regularly to save a portable copy to your Downloads folder. Use Restore from backup to reload it into any browser or device.

Auto-backup off
Combined gross income$0
Your gross income$0
Your deductions
Gross income$0
Income tax$0
CPP$0
EI$0
Total deductions$0
Spendable after-tax$0
—
Partner's deductions
Gross income$0
Income tax$0
CPP$0
EI$0
Total deductions$0
Spendable after-tax$0
—
Finds the income split between you and your partner that minimizes total household tax. Most effective when there's a large income gap.

2026 federal + provincial brackets, CPP/EI. Estimates only.

Household income after tax$0Select province
Annual expenses$00 items
Surplus / Shortfall—

Your income sources

Total investments$0
Annual contributions$0
Tax deductible / yr$0

Check Tax Deductible to deduct contributions from taxable income on the Income tab.

Set default return rates for all investments

%
%

Your investments

Real estate & home equity events

Model a home sale, downsizing, or other real estate proceeds that add to your portfolio at a specific age.

Total outstanding$0
Total monthly payments$0
Total annual$0

Add loans, mortgages, lines of credit or any other debt. The monthly payment is calculated automatically and added as an expense in Current Expenses.

💡 Payments are automatically reflected in Current Expenses. Once a debt is repaid (at the year you specify), its payment is removed from your expenses.
Recurring expenses (monthly)$0
Total annual (incl. debt)$0

Recurring expense items

One-off expenses before retirement

Large one-time costs before you retire (e.g. new car at 45, home renovation at 52). These are deducted from your accumulated cash surplus in the Spending view.

Combined annual$0
Your annual benefits$0

Your benefits & pensions

Add government benefits and fixed pension income you expect in retirement.

Today's spending — monthly $0 Annual: $0
In retirement (slider %) — today's $, monthly $0 Annual today's $: $0
At retirement date — annual (future $, inflated) $0 Monthly: $0
Synced from Expenses tab.

Retirement spending phases

Set age ranges and spending multipliers for each phase. The multiplier scales your total retirement expenses in that phase (e.g. 120% = 20% more than your base retirement spending).

🏃 Go-Go years
%
🚶 Slow-Go years
%
🛋️ No-Go years
%

Leave all fields blank to use flat spending throughout retirement. Phases apply to recurring expenses only — one-off expenses are unaffected.

Recurring retirement expenses

Use the slider to adjust how much of each expense applies in retirement.

One-off expenses in retirement

Large one-time costs (e.g. new car at age 70, home renovation at 75). These are withdrawn from the portfolio in the year they occur.

%

Click legend items to show/hide. Scroll or pinch to zoom, drag to pan. All amounts nominal (inflated).

%

Green line = household after-tax income. Your income runs to your retirement age; partner's income continues until their retirement age. Green area = cumulative pre-retirement surplus. Nominal dollars.

%
%
%
Portfolio snapshot
This is a projected view at the selected age — not a retirement summary. Use +/− to step through any age in your projection.
Your age at snapshot
—

Portfolio snapshot

Retirement expenses / yr
—
inflated to this age
Portfolio withdrawal / yr
—
expenses minus all offsets
Portfolio value
—
at this age
Net cash flow / yr
—
income minus expenses

Per-person breakdown

You
Earned income / yr—
Benefits / yr—
Total income / yr—
Withdrawal share—
Marginal tax on withdrawal—
OAS clawback—
Net available / yr—
—

Market crashes / shocks

Simulate a portfolio drop at a specific age. The portfolio immediately loses that percentage in that year, then continues growing normally.

Click any legend item to show/hide it. Scroll or pinch to zoom · Drag to pan ·

Income offsets at retirement

No benefits entered yet.

  • Black line shows your total portfolio value from today to your projection age
  • Pre-retirement: each investment grows at its own return rate (set per investment card)
  • Post-retirement: portfolio draws down to cover expenses minus benefits and other income
  • One-off expenses (new car, renovation etc.) are deducted in the year they occur
  • Market crashes apply an immediate percentage drop to the portfolio at that age
  • All figures are nominal (inflation applied). Estimates only — not financial advice.

Tax on withdrawals — methodology (marginal rate above benefit income)

  • Withdrawals are split equally between partners, or assigned to you alone if no partner
  • Each person's withdrawal share is added to their benefit income (CPP, OAS, pensions) to calculate marginal federal + provincial income tax
  • Tax bracket thresholds and the Basic Personal Amount are inflation-adjusted each year, matching how Canadian brackets are indexed to CPI
  • OAS clawback is modelled: income above $90,997 (2026, indexed to CPI) triggers a 15% recovery tax, capped at the OAS amount — shown separately in the snapshot
  • Total tax (income tax + clawback) is added to the portfolio draw each year and shown as the purple bar
  • Simplified estimate only — actual tax depends on account types (RRSP/TFSA), income-splitting, and other deductions not modelled here

Scenario comparison

Compare two retirement scenarios side by side — different retirement ages, post-retirement returns, or market crashes. All other inputs (income, investments, expenses, benefits) are shared from your main data.

Scenario A
65
%
%
%
Portfolio at retirement
—
Scenario B
68
%
%
%
Portfolio at retirement
—
Enter your birthdate on the Personal tab to generate the comparison.

Solid lines = portfolio value. Bars = annual gross withdrawal. Click legend to toggle. Scroll to zoom. All other inputs shared from main data.

Bank file formats

Define the column layout for each bank's CSV export. Use the ▲ ▼ arrows to reorder columns to match your bank's file.

Import transactions

Import a CSV file from your bank. Select the matching file format, then review and confirm the transactions.

Tagging rules

Rules match transaction descriptions and automatically assign them to your income or expense categories. First match wins.

Apply rules to existing transactions

Runs your current rules against all previously imported transactions that have no tag. Already-tagged transactions are never changed — only blanks are filled in.

Test a description

No match

Budget Categories

How this works
Toggle any category on or off to control what appears in Budget vs Actual. Categories are defaulted based on your age — employment income and pre-retirement expenses default on before retirement, benefits and retirement expenses default on after retirement. You can override any default manually.

A yellow "not age-relevant" badge means the category is enabled but is typically for a different life stage — for example, employment income showing after your retirement age, or pension income showing before it. It's a reminder only; you can leave it on if it applies to you.

To add or remove categories go to the Income, Expenses, or Investments tabs and add or delete cards there — they will appear or disappear here automatically.

💡 Income budget amounts are pre-tax — they come from the gross annual income you entered on the Income tab, divided by 12. Your actual bank deposits will be lower (after tax and deductions). This is by design: it lets you see your full gross income target vs what actually landed in your account.

Subcategories

Add subcategories to any existing category for more detailed budget tracking. Subcategory amounts roll up into their parent category in Budget vs Actual. Subcategories only exist in the budget module and do not affect your planning tabs.

Add subcategory

Budget Trends

Track how your income, investments, expenses and net position move over time. Shows actual transaction amounts per period against the budget target.

Income · Investments · Expenses · Net

Dashed lines = budget target  ·  Solid lines = actual  ·  Scroll/pinch to zoom  ·  Drag to pan

Budget vs Actual

Showing categories enabled in Budget Categories. Toggle any row off there to remove it from this view.

Click any category row to expand subcategories
Category Budget Actual Variance Progress
💡 Click any bar to drill into subcategories for that category. Scroll or pinch to zoom. Drag to pan.

Income & Benefits

Investment Contributions

Expenses

All transactions

0 transactions

Date Description Withdrawn Deposited Category Subcategory Actions

AI Plan Review

Powered by Claude — your personal retirement analyst

How it works: Claude reads your complete retirement plan — income, investments, expenses, benefits, and projections — and gives you a plain-English assessment with specific recommendations. Your data is sent to the AI for analysis but never stored.

Click Review my plan to get a comprehensive AI assessment of your retirement plan.

Plan with confidence, but decide with guidance. RetirIQ provides educational estimates only and is not a substitute for licensed financial, tax, or legal advice.
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