The twelve Plan tabs, in one page

The Plan section opens on the main projection chart, but there are eleven other tabs along the top doing useful work behind that view. This page is a one-pager: what each tab shows, when you'd actually open it, and whether it costs a tier upgrade to use.

The list below matches the order they appear in the tab strip. Anything not marked is available on every tier, including Free.

Plan

The default landing tab. Shows the projection chart, the right-side metrics panel for the selected age, and the bottom panels for accounts, income, expenses, and assets.

Look here when you want the at-a-glance answer: where is my net worth heading and what's the spread.

Cash Flow

A year-by-year breakdown of money in versus money out, rather than the smoothed median that the projection chart shows. Inflows, outflows, taxes, and the resulting change in net worth are listed by age.

Look here when the projection chart shows a kink and you want to know exactly which year and which line item caused it.

Tax Analytics — Pro only

Marginal and effective tax rate trajectories across the plan, broken out by income source (employment, RRSP/401k withdrawals, capital gains, dividends). Useful for spotting bracket-creep and clawback zones.

Look here when you're modeling a withdrawal strategy and want to see the tax cost of each choice. See the taxes methodology for the underlying brackets and rules.

Optimization

The optimizer surface. Free and Family see the greedy heuristic that picks a withdrawal order based on tax efficiency. Pro unlocks the additional sub-tabs (Roth conversion, drawdown sequencing, gain harvesting).

Look here once your basic plan is in place — optimization is what turns "this works" into "this works well."

Chance of Success

The Monte Carlo result page. Shows the success number, the distribution of outcomes, and the worst-case-trial drilldown for Pro users.

Look here every time you change a meaningful assumption. The number tells you whether the change actually moved the needle or just felt like it did.

Compare — Pro only

Side-by-side view of two or more saved plans. Diffs the chart, the success number, and the bottom-line metrics so you can see which assumption is doing the work between them.

Look here when you have a baseline plan and a "what if" version and want to know which one wins.

Reports — Pro only

Printable, advisor-friendly summary of the plan: assumptions, projection, success rate, recommended actions. Designed for sharing or for keeping a snapshot at year-end.

Look here when you want a record of what your plan looked like on a specific date, or when you're reviewing with someone who isn't logged in.

Estate — Pro only

After-tax estate trajectory. What survives to your beneficiaries after the deemed-disposition or estate-tax hit at end-of-life, broken down by account type.

Look here when retirement income isn't your only goal — when there's a legacy or charitable component to the plan.

People

The household roster. Add a spouse, dependents, or other people whose income, accounts, or expenses you want the plan to model. People are free for everyone — solo users can model a partner here without upgrading.

Look here when your plan needs to account for someone other than you (a working spouse, a child whose education you're saving for).

History

A timeline of changes to this plan: when assumptions were edited, what changed, and what the success number was at each point. Effectively a git log for your retirement model.

Look here when you remember the plan looked different last month and you want to see what you changed.

Household — Pro only

The household-level optimizer. Coordinates withdrawals across two people's accounts to minimize joint tax (RRSP/RRIF split decisions, pension splitting, OAS clawback avoidance, CPP timing).

Look here when both partners have meaningful retirement accounts and the right answer for one isn't the right answer for the household.

Settings

Plan-level configuration: name, currency, country (drives the tax engine — see cross-border methodology), inflation override, and the few advanced toggles that don't belong in the main inputs.

Look here once at plan creation and rarely again. The defaults are deliberate.

Tier-gating at a glance

Seven of the twelve tabs are free for everyone: Plan, Cash Flow, Optimization, Chance of Success, People, History, and Settings. Tax Analytics, Compare, Reports, Estate, and Household sit behind the Pro tier. Family unlocks more saved plans and household sharing but uses the same tab set as Free.

If you're not sure where to start: Plan, then Chance of Success, then Cash Flow. That's the loop most people use day-to-day. The rest are tools you reach for when a specific question comes up.