WisePlanWealth stress-tests your plan against nearly 100 years of real market history — CPP, OAS, pensions, estate, and everything in between.
Most retirement apps ignore CPP deferral strategies, OAS clawback, and Canadian estate rules. WisePlanWealth doesn't.
Thousands of simulations drawn from real historical crash sequences — 1929, 1987, 2000, 2008, and beyond. See how your plan holds up when markets don't cooperate.
Personalise your CPP and OAS start dates and benefit amounts. The optimizer finds the deferral strategy that maximises your net legacy.
Model RRSP, TFSA, non-registered, crypto, pension, and real estate — each with its own return assumptions, tax treatment, and withdrawal order.
Automatically find the RRSP drawdown rate, TFSA conversion strategy, and account withdrawal order that stretches your savings furthest.
Model a future home sale, redirect proceeds into your portfolio, and see the immediate impact on your retirement runway.
Marginal federal and provincial tax, OAS clawback with an inflation-adjusted threshold, age credits, and deemed disposition at death — all calculated year by year.
Projects net legacy after estate taxes — including deemed RRSP disposition and capital gains above cost base — with spousal rollover modelled at second death.
Generate a detailed, shareable retirement summary — useful for your own records or as a starting point for conversations with your financial advisor.
All calculations run entirely on your device. No account required, no data sent to external servers, no cloud sync.
No spreadsheets. No financial jargon. Just a clear picture of your retirement.
Add your age, retirement date, life expectancy, and whether you're planning as a couple.
RRSP, TFSA, non-registered, pension, CPP, OAS, rental income — enter what applies to you.
Tell the app how much you want to spend in retirement, including any planned LTC or care costs in later years.
Six key metrics — including Retirement %, Market Resilience %, and PV Funded % — tell you instantly where your plan stands.
Use the Optimize tab to adjust CPP/OAS start dates, withdrawal strategy, and TFSA conversion to strengthen your plan.
Each metric is calculated from your actual plan — not generic benchmarks.
The ratio of years your portfolio lasts against your full retirement horizon. 100% means you're fully covered.
The percentage of historically-grounded simulations your plan survives — including real crash sequences from 99 years of market data.
The number of years your portfolio is projected to last given your spending, returns, and inflation assumptions.
Compares today's investable assets against the present value of your retirement spending gap — discounted at your own after-tax real return.
Your projected estate value after estate taxes on RRSP deemed disposition and capital gains — with spousal rollover at second death.
Total projected OAS recovery tax, calculated year by year with an inflation-adjusted threshold including capital gains.
Choose the plan that works for you. Cancel anytime in your App Store settings.
All prices in Canadian dollars. Subscriptions are billed through your Apple ID. No free trial — cancel anytime.
Download WisePlanWealth for iPhone and iPad and see exactly where your retirement stands — today.
Download on the App Store