Canadian retirement math
Know your number.
Then plan around it.
A Canadian FIRE planner that does the boring math right, then shows you how it changes when you change. Net worth, projections, scenario comparison, withdrawal sequencing.
Web + iOS + Android · free, no sync required
Your own accounts, in your own currency. The dotted half of the line is the projection — never drawn in the same colour as money you actually have.
- Canadian to the bracket
- Provincial rates, OAS clawback, CPP timing, RRSP and TFSA room.
- Every assumption inspectable
- Real return, inflation, withdrawal rate. Change any of them and watch the date move.
- Bilingual, EN + 中文
- Built for households that do their money in two languages.
Every account, one honest total.
Chequing, brokerages, registered accounts, the house. Haven keeps the total right in your currency, on every device, with a daily delta you can trust.
Track net worth- RBRBC chequing$24,180
- QTQuestrade RRSP$612,400
- WSWealthsimple TFSA$118,200
- PRPrimary residence$669,067
Add accounts manually or import a CSV. Haven keeps the total in your currency, on every device.
The honest what-if.
Project a household across 1,000 futures and read the p10 to p90 bands. Every assumption is laid out on the methodology page, and every input is yours to change.
Run a projectionGreen is money you have. Violet is money the model thinks you will have. Haven never draws them in the same colour.
Two futures, side by side.
Save a scenario, change one assumption, and compare them on FIRE date, lifetime tax and OAS clawback. The difference is the whole point.
Compare scenarios| Base | Meltdown | |
|---|---|---|
| FIRE date | Age 58 | Age 56 |
| Lifetime tax | $261,523 | $214,320 |
| OAS clawback | $18,400 | $0 |
| Tax saved | — | +$47,203 |
One saved scenario against your base plan. Withdrawal sequencing included, because in Canada the order you draw down accounts is most of the answer.
Save the plan
When the math really matters, save it somewhere that lasts.
Free to create an account when you want the scenario, your accounts, and your FIRE timeline connected.