RetireIQ gives you a complete picture of your retirement - income, investments (contributions, dividend yields, and DRIP until you retire), taxes, benefits, and net worth - all modelled with real Canadian tax brackets. Analyzer charts use plan baseline by default; Premium lets you activate decumulation strategies (including Income-first), run Portfolio Simulation with market crash and what-if stress tests, and estimate historical success with Monte Carlo. No spreadsheets. No guesswork.
Free version available instantly - no signup required
Answer a few questions and get a ballpark number in under a minute - no signup required.
From your first paycheque to your last withdrawal - RetireIQ models the full journey.
The free version is genuinely useful. Premium unlocks the full picture.
| Feature | Free | Premium - $24.78/yr |
|---|---|---|
| Personal & Settings | ||
| Retirement age | Min. 65, max 80 | ✓ Any age |
| Default retirement age | 80 | ✓ Customizable |
| Projection age | Fixed at 80 | ✓ Customizable |
| Inflation rate | Fixed at 2.5% | ✓ Customizable |
| Partner / two-person planning | ✓ | ✓ |
| Province selection | ✓ | ✓ |
| Appearance (System / Light / Dark) | ✓ | ✓ |
| Quick setup wizard | ✓ | ✓ |
| Income | ||
| Income sources | 1 per person | ✓ Unlimited |
| Income types (employment, rental, pension…) | ✓ | ✓ |
| Post-retirement earned income | ✓ | ✓ |
| Income splitting optimization | - | ✓ |
| Canadian tax (federal + provincial) | ✓ | ✓ |
| Debt & Expenses | ||
| Debt entries | 1 | ✓ Unlimited |
| Pre-retirement expense entries | 3 | ✓ Unlimited |
| One-off pre-retirement expenses | - | ✓ |
| Expense ends-at-age | ✓ | ✓ |
| Investments | ||
| Investment accounts | 1 per person | ✓ Unlimited |
| Account types (RRSP, TFSA, non-reg…) | ✓ | ✓ |
| Pre & post-retirement return rates | ✓ | ✓ |
| Dividend yield, DRIP & Income-first | ✓ | ✓ |
| Eligible Canadian dividend tax modelling | ✓ | ✓ |
| Contributions modelled until your retirement age | ✓ | ✓ |
| Real estate & one-off events | - | ✓ |
| Corporation / CCPC modelling (Beta) | - | ✓ |
| Benefits & Pensions | ||
| CPP, OAS & GIS | ✓ | ✓ |
| Custom benefits / pensions | 1 per person | ✓ Unlimited |
| OAS clawback modelling | ✓ | ✓ |
| Indexed benefits | ✓ | ✓ |
| Retirement Expenses | ||
| Retirement expense entries | 3 | ✓ Unlimited |
| Sync from current expenses | ✓ | ✓ |
| Spending phases (Go-Go / Slow-Go / No-Go) | - | ✓ |
| One-off retirement expenses | - | ✓ |
| Charts & Analysis | ||
| Portfolio overview chart | To age 80 | ✓ Full control |
| Income chart & tax walkthrough | To age 80 | ✓ Full control |
| Spending chart | To age 80 | ✓ Full control |
| Investments chart | To age 80 | ✓ Full control |
| Net worth chart | ✓ | ✓ |
| Scenario comparison (A vs B vs C) | Ages fixed at 65 | ✓ Any ages |
| Decumulation withdrawal strategies | - | ✓ |
| Active decumulation strategy on analyzer tabs | - | ✓ |
| Portfolio simulation (advanced) | - | ✓ |
| What-if stress tests (Portfolio Simulation) | - | ✓ |
| Monte Carlo historical simulation | - | ✓ |
| Spending capacity (retirement spending sim) | - | ✓ |
| Market crash simulation | - | ✓ Simulation & Compare |
| Plan Trace (year-by-year audit) | ✓ | ✓ |
| Budget Tracking (Beta) | ||
| Bank CSV import | - | ✓ |
| Auto-tagging rules | - | ✓ |
| Budget vs actual comparison | - | ✓ |
| Transaction history | - | ✓ |
| AI & Reporting | ||
| AI plan review & follow-up chat | - | ✓ |
| AI help agent | - | ✓ |
| Export to Excel | - | ✓ |
| Print / PDF report | - | ✓ |
| Data & Privacy | ||
| Data stored locally in this browser | ✓ | ✓ |
| Plan backup & restore | - | ✓ |
| Export to Excel / PDF | - | ✓ |
| Cloud sync (account required) | - | ✓ |
| No signup required | ✓ | Account for Premium |
RetireIQ uses real Canadian tax brackets for all 13 provinces and territories, models CPP and OAS accurately, includes OAS clawback, and inflates tax brackets year-over-year exactly as the CRA does. No generic assumptions - just accurate Canadian planning.