Pre-launch · join the waitlist

Know exactly when
you can retire.

A real, personalized answer in five minutes — solo or with a partner. Then an engine that watches markets, models your life events, and tells you the moment something actually changes your date.

This week Your date held at 61. Two market moves modelled, one life-event scenario rerun. Updated 8m ago
Your outlook
You can retire at
On track
61
earliest · base case
±2 yrs across scenarios
61 58 61 75 92
Base · 61
Conservative · 64
Optimistic · 58
Bank of Canada
2.75%
↓ Held · neutral effect
CPI · trailing 4mo
2.1%
↓ Below your 2.5% plan
S&P 500 · YTD
+8.4%
↑ Plan track +$2,140
Home value · GTA
+1.2%
↑ Equity refreshed
✓ 5-minute first answer ✓ Solo or with a partner ✓ Private by default ✓ No mandatory bank sync ✓ Updates as life & markets change
5 min
From first question to your first real retirement date
100+
Variables modelled across markets, taxes, life events, behavior
Live
Date recalculated every time the inputs that matter actually move
24/7
Watching rates, inflation, real estate, and your spending patterns
How it works

From "I have no idea" to a real date — in three steps.

No spreadsheets, no jargon, no bank login. Start with manual entry; refine over time as you want.

1
Answer a few questions
Age, country, savings, target spend, and your partner if you have one. That's it — we do the math: RRSP, TFSA, 401(k), Roth, CPP, OAS, Social Security all modelled.
2
Get your date and the why
A clear verdict: "on track," "watch," or "off track," with the two or three levers that would change it. See base, conservative, and optimistic side-by-side.
3
We watch the world for you
Rates change. Inflation moves. A wedding lands on the calendar. We tell you what it means for your specific date, once a week, in plain English.
The Engagement Engine

The only tool that tells you when the world
changes your retirement date.

Other tools show you a static plan and forget about you. We actively monitor interest rates, inflation, real estate, and life events, then translate every move into its impact on your specific plan.

Rate move · this week
−25 bps
BoC cut to 2.75%. Your January 2027 mortgage renewal now lands ~0.4% lower than last week's run. Net effect on your date: unchanged.
Inflation · trailing 4 months
2.1%
Below your 2.5% plan assumption for the fourth month running. Real spending power at 65 is now projected +$140/mo vs. last quarter.
Life event
College for kids
We model the dent and tell you the recovery path.
Life event
Aging parents
Eldercare scenarios with real cost ranges.
Life event
Real estate
Downsize, rent, sell. See all three on one screen.
Sunday digest · 8am
"One change to your outlook, two notes from the market."
A single email. Specific to you. At most once a week, and only if something actually moved your number.
Personal Market Specific to your plan
AI advisor

An advisor that actually knows your plan.

Ask the kinds of retirement questions you've always wanted to ask — about your numbers, not generic ones. The advisor reads your plan, runs real projections, and turns "what if I retire at 58?" into a side-by-side scenario you can save. Your real data is anonymized before it ever reaches the AI, so you get personalized answers without exposing personal details.

What if I retire at 58 instead of 61? RetireBot Your portfolio depletes at 86 instead of 92. To bridge it, you'd need to add ~$340/mo in savings starting today. + Save as scenario
Anonymized before it touches the AI
· SCENARIOS
See the range, not just one guess.

Base, conservative, optimistic on the same chart. Drag any slider — retirement age, monthly spend, return, inflation — and watch your date update live.

Open the scenario lab →
· HOUSEHOLD
Plan solo or with your partner.

Most retirements aren't planned alone. Add your partner's age, accounts, income, and target retirement age — even when you have different retirement dates, mixed CA/US jurisdictions, or a mix of joint and separate accounts. Free on every tier.

How household planning works →
Under the hood

A retirement date that's right today is wrong tomorrow.

Most tools hand you a static number and walk away. Ours runs continuously, on the markets you can't control, the choices you can, and the life events you didn't plan for. Choose how deep you want to go: a fast, light estimate or a fully detailed simulation.

Markets
Rates, inflation, equity returns, real estate. Real-time signals from BoC/Fed, CPI, inflation, housing indices, equity benchmarks and more, mapped to your mortgage, savings rate, and withdrawal plan.
Behaviour
How you actually live, not how you said you'd live. The engine quietly reads your savings cadence, spending drift and contribution patterns, then re-bases the plan on the real you — not the optimistic one.
Life events
College. Wedding. Divorce. Eldercare. Health. Life offers up surprises. Drop one in and watch the date move, with the recovery path priced out, not just the dent.
Tax engines
CRA & IRS, modelled. RRSP, TFSA, FHSA, CPP, OAS, OAS clawback, GIS, plus 401(k), Roth, IRA, SEP, Social Security, RMDs. Full marginal-rate withdrawal sequencing.
Scenarios
Monte Carlo on demand. 10,000 paths against historical and forward-looking distributions. See your date as a probability cone, not a single hopeful line.
Granularity
Fast estimate or full simulation: you choose. A 5-minute version for an answer today; a detailed mode that ingests every account, statement, and assumption when you're ready to commit.
Built for the way you actually live

Six things that aren't marketing.

Private by default
Your data stays on your plan. Nothing shared with banks, employers, or anyone else.
Account sync optional, not required
Manual entry, CSV, or PDF statement upload. No Plaid, no open-banking anxiety.
Models every account you have
RRSP, TFSA, 401(k), Roth, CPP, OAS, Social Security, workplace pensions, etc. Both in the US and Canada.
Multiple scenarios, multiple charts
See Base, conservative, optimistic projections on a single chart and run full scenarios and understand dependencies and impact 
Change any variable, see the impact
"What if I retire two years later?" "What if returns are 4% not 6%?" Drag a slider. Get an answer.
Smart life-event reminders
College, weddings, eldercare, divorce, medical. The events that actually move your date, handled.
Legacy vault

Don't leave your executor a scavenger hunt.

Insurance policies. Account numbers. The lawyer's name. The location of the will. One organized vault — encrypted on your device, not on our servers, so even we can't see what's in it. Granted to your spouse, kids, or executor on the day you decide.

Will & estate plan.pdf 2.4 MB Life insurance: Sun Life policy Account list (RBC, TD, EQ) 12 accts Lawyer · M. Chen, Toronto contact
Encrypted on your device — even we can't see it
I used to refresh my brokerage app three times a day and still had no idea if I could retire. Now I get one email on Sunday and I actually sleep on Monday.
JM
Janine M. 54 · Mississauga, ON
Pricing · pre-launch

Three plans. Pricing still being finalized.

Here's how the tiers are shaping up. The exact monthly numbers are being validated with our pre-launch group — anyone on the waitlist gets locked-in founder pricing when we open the doors. Solo or partnered planning is included on every tier, including Free.

Free Always free
$0 / month

A real first answer in five minutes, with the basics that keep your plan honest over time.

  • ✓Solo or partnered planning (full household modelling)
  • ✓Quick retirement estimate from a few questions
  • ✓Single base-case scenario with key assumptions
  • ✓Help bot: 30 product & concept questions/mo
  • ✓Legacy Vault: 250MB · 1 executor share
  • ✓RRSP / TFSA / CPP / OAS deadline reminders
Join the waitlist
Starter Pricing TBD
$$ / month · finalizing TBD

For people who want a real plan, not just an estimate. Full scenarios, AI advisor, and the engine that watches the world for you.

  • ✓Everything in Free
  • ✓Unlimited plans
  • ✓Three full scenarios (base, conservative, optimistic) with sliders
  • ✓AI advisor: 20 personalized conversations/mo
  • ✓Help bot: 100 questions/mo
  • ✓Engagement Engine: personalized alerts when markets, life events, or rates move your date
  • ✓Legacy Vault: 1GB · 2 executor shares
  • ✓Manual CSV upload for statements
Lock in founder pricing
Plus Most popular
$$ / month · finalizing TBD

For couples and households who want full power: unlimited AI advisor use, biggest vault, and access to every partner referral.

  • ✓Everything in Starter
  • ✓Unlimited Help bot questions
  • ✓AI advisor: 200 personalized conversations/mo
  • ✓Cross-Border CFP and Estate Lawyer referrals when relevant
  • ✓Legacy Vault: 2GB · unlimited executor shares
  • ✓Priority support & early access to new modules
Lock in founder pricing
Final pricing locks at public launch. Waitlist members keep the lower of founder or launch price for life.
Building a financial planning practice? Our Advisor tier supports multi-client planning and white-label access — contact us for early access.
Common questions

Things people ask before they sign up.

When does RetireWhen launch?

We're in pre-launch right now. Join the waitlist below and you'll get early access plus locked-in founder pricing on whichever paid tier you choose. Free tier will be available to everyone at launch.

Is the pricing on this page final?

Not yet. We're still validating the exact monthly numbers with our pre-launch group, which is why the Starter and Plus tiers are flagged TBD. Waitlist members keep the lower of founder or launch price for life.

Can I plan with my partner, or just for myself?

Both — and household planning is free on every tier, including Free. Add your partner's age, accounts, income, and target retirement age, even if you're retiring at different times or live in different jurisdictions (one Canadian + one American is supported). Joint and separate accounts are tracked independently.

Do I have to connect my bank?

Never. Every tier runs on manual entry. Starter and Plus add CSV upload for statements. Automatic bank connections are on the post-launch roadmap and will always be optional.

Does it work for both Canada and the US?

Yes — and that's a core differentiator. We model RRSP, TFSA, FHSA, LIRA, CPP, OAS for Canadians; 401(k), Traditional IRA, Roth IRA, HSA, and Social Security for Americans. We also handle cross-border households where one partner is Canadian and one is American.

Will the AI tell me what to buy or sell?

No. The AI answers questions about your plan, the markets, and your scenarios, but it doesn't recommend specific securities, give individual tax or legal advice, or trade on your behalf. When you need that level of help we connect you to a vetted financial professional.

How is the Legacy Vault kept private?

Documents in your vault are encrypted on your device with a key only you hold — we never see the key, and the data on our servers is just scrambled bytes that can't be read without it. Even we can't open your vault. The trade-off: if you forget your key, the documents can't be recovered. That's the price of real privacy.

Pre-launch · limited founder spots

Be first in line when RetireWhen opens.

Drop your email. We'll send a single invite when we go live, plus locked-in founder pricing on whichever tier you choose. No spam, no list-selling, ever.

We'll only email you when there's something to share. Unsubscribe in one click.