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 tracking, projections, scenario comparison, withdrawal sequencing.
Web + iOS + Android · free, no sync required
Used by Canadian planners from Vancouver to Halifax, plus their spreadsheets.
- Canadian FIRE planningProvincial brackets, OAS, CPP, RRSP
- Honest math, plainly toldInspect every assumption
- Bilingual EN + 中文Designed for bilingual households
What is Haven?
Your home base for FIRE math.
Haven brings every account, projection, and tax assumption into one calm view. Three questions, one place to answer them: where you are, where you're going, what should change.
What Haven does
Four jobs, one set of numbers.
Where you are today
Every account, one calm view.
Bank accounts, brokerages, real estate, registered accounts. Haven keeps the total honest in your currency, on every device, with a daily delta you can trust.
- RBRBC chequing$24,180
- QTQuestrade RRSP$612,400
- TFWealthsimple TFSA$118,200
- 🏠Primary residence$669,067
Where this gets you.
Age fifty-six. Or whatever your number is.
Save $2,000 a month from age 34 with a 5% real return and your net worth lands at $1.82M by 56. That's the math the app does, every minute, against your real accounts.
| Year | Net worth |
|---|---|
| Today (2025) | $50,000 |
| 2027 | $100,000 |
| Year 10 (2035) | $345,000 |
| Year 18 (2043) | $1,100,000 |
| Age 56 (2049) | $1,820,000 |
Net worth, real-time
All your accounts, together.
Banks, brokerages, real estate, debt, cross-border holdings. Sync or manual. Haven adds them up the way your spreadsheet would, then keeps doing it every time you check in.
- RBRBC chequing$24,180
- QTQuestrade RRSP$612,400
- TFWealthsimple TFSA$118,200
- 🏠Primary residence$669,067
Monte Carlo
The honest what-if.
Project a household plan across 1,000 futures and read the p10 to p90 bands. The number on your dashboard is the number the engine ran. Every assumption is laid out so you can check the work.
Compare plans
Two futures, side by side.
Save a scenario, change one assumption, see the new FIRE date, lifetime tax, OAS clawback, RRSP balance at 71. Recomputed in seconds. No spreadsheet rebuild required.
One Haven, two countries
Canadian and American math, in the same plan.
Provincial tax brackets, CPP, OAS, IRMAA, RMD, Roth conversion ladders. Bilingual EN + 中文 is built in, not bolted on. If your household straddles the border, you're not an edge case.
On every device
Web, iOS, Android, always in sync.
Check in on a 27-inch monitor at home, or a phone in line at the coffee shop. Offline-first. Optional cloud sync, never required. CSV export ships in the free tier.
The app, the part you keep
The plan answers the question. Haven keeps the whole plan moving.
Save one scenario, then track the rest of the picture without rebuilding the same assumptions from scratch. Net worth, accounts, goals, and the next optimization, all talking to the same numbers.
See the appSave 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.