Pricing
Free plans the basics, using cited defaults where Pro uses your own figures. Pro lets you change every input and run the plan every way. Both use the same calculation: a tier never buys a more exact answer.
Free
$0
- One person’s plan: pay, spending, rent, debts, and every account with its room
- Buying a home, a home you own, and selling it
- 1 second property
- 3 life events and changes, such as a raise or a new roof
- Retirement at 65, with CPP estimated from your pay and OAS from 65
- Cited default rates for inflation, returns and the costs of owning, named in the plan
- Each year in detail, the warnings, the sources and the Learn pages
- 1 saved plan
Pro
$199 a year
$101 less than $25 a month for twelve months ($300).
At launch: 20% off the first year, $159.20, for a limited number of places; how many are left will show here. The year after renews at $199.
Canadian dollars, before tax. Your money back if you ask within 30 days of paying.
Everything in Free, and:
- A partner
- Children and RESPs
- Your own retirement age
- Your CPP statement and CPP and OAS start ages
- A workplace pension
- Your own inflation rate
- Your own interest rate on cash
- Your own return on each account
- The order accounts are drawn in
- The order leftover cash is saved in
- Leftover cash to an RRSP after retiring
- Pension income splitting
- When the RRSP becomes a RRIF
- Borrowing before the RRSP while working
- Moving savings into new TFSA room each January
- Your own rate for rent rises
- Your own costs of owning
- Renewal rate, discharge penalty and extra payments
- Renting out part of a home
- Ownership shares between partners
- Life events and changes without a limit, and the page that drops them on the chart
- Simulation: your plan through hundreds of market histories, what matters most, the earliest you can retire and the most you can spend
- What you leave after the tax on the final return
- More saved plans and second properties
Two things Pro shows
An example household from the home page, worked out by the same engine.
The plan through hundreds of market histories
At 90, the middle history ends with about $7,905,391 in today’s dollars; one in ten ends with less than $4,293,855, one in ten with more than $14,746,084.
The plan with life events added one at a time
Retirement
Rent, buy or a suite
If they retire at 60, how much can they spend?
$9,500 a month in today’s dollars, against $3,100 today.
The most they can spend each month from 60, besides their home, with the money lasting to 90.
At 90, against their plan (dashed): −$6,033,391
Against a planner
A written plan from a planner costs thousands of dollars: Boomer & Echo’s advice-only practice charges $4,200 plus GST for a comprehensive plan with a year of follow-up advice (their page, May 2026). Pro is software, not advice: it shows what your own choices do, with every figure traced to its source.
What no tier changes
- Every number shown traces to its formula and source, on Free and on Pro.
- A smaller view never misleads. If a plan runs out of money, every tier says so, and a free plan names each default it used.
- Your plan stays yours. Exporting it to a file is free, and a free plan keeps the figures you typed for the day you use Pro.
Refunds
Ask within 30 days of paying and you get your money back, in full.