RetireePlan

At a glance

• Editor score
  Not yet scored
• Pricing
  Free plan
• Best for
  Canadian households needing tax-specific planning
• Free plan
  Yes
• Paid from
  None
• Tax modeling
  Detailed
• Facts checked
  19 Sep 2026

• Where it wins

  • Models CPP/QPP, OAS/GIS, RRIF rules, and provincial and federal taxes
  • Compares named scenarios with projections, net worth, and tax outcomes
  • Runs on web, desktop, or self-hosted, with local data storage

• Where it doesn't

  • Canadian-focused modeling may not suit households planning outside Canada
  • YNAB is the documented data-import integration
  • Broad planning features may be more than needed for basic projections

Our verdict on RetireePlan

Retirement plans in Canada hinge on more than investment growth: public benefits, tax rules, withdrawals, and estate events shape the outcome. RetireePlan is an open-source planning application for Canadian households that models those factors across a user-defined horizon. It produces year-by-year cash-flow projections for income, expenses, account growth, withdrawals, and taxes, alongside Monte Carlo simulations and a retirement-readiness score. Its center of gravity is specifically Canadian retirement planning, rather than a general-purpose tool for households in multiple tax systems.

The Canadian tax and retirement-rule coverage is its most distinctive strength. Calculations include federal and provincial taxes, CPP/QPP, OAS/GIS, and RRIF rules; real-estate and estate models cover properties, probate, beneficiaries, and deemed disposition. Named what-if scenarios can be compared side by side across projections, net worth, and taxes, while Monte Carlo runs use 1,000 trials and multiple return distributions. That combination is useful when a household wants to examine how changes to withdrawals or other assumptions may affect its plan, rather than relying on a single deterministic forecast. PDF and CSV exports, a decision journal, and an interactive decision mind map support reviewing those choices.

RetireePlan is free and open source, with web, macOS, Windows, Linux, and self-hosted options; it can also run in Docker containers. The product emphasizes local data storage and does not require cloud accounts. YNAB imports spending categories and transaction data, while the AI assistant can use local Ollama or the GitHub Copilot SDK. For Canadians comfortable with a detailed planning application and self-hosting or desktop software, its depth and deployment choices are a strong fit. Households outside Canada, or those seeking broader live account connections, should consider an alternative aligned with those needs.

RetireePlan pricing

RetireePlan fact sheet

RetireePlan integrations

RetireePlan lists 3 integrations on its own site.

• YNAB
• Ollama
• GitHub Copilot

Alternatives to RetireePlan

• BoldinA guided retirement plan with detailed projections, plus a free tier to get started.9.6
• Fidelity Planning & Guidance CenterA free planner with tax, Social Security, withdrawal and what-if analysis.8.6
• MaxiFiDeep lifetime and retirement planning across web, desktop, and mobile for an annual fee.7.4

See all RetireePlan alternatives →

RetireePlan vs the competition

• RRetireePlan vs Boldin
• RRetireePlan vs Fidelity Planning & Guidance Center
• RRetireePlan vs MaxiFi
• RRetireePlan vs ProjectionLab
• RTCRetireePlan vs The Complete Retirement Planner
• RRetireePlan vs Flexible Retirement Planner

Compare RetireePlan with any tool side by side →

Featured on iTechGuides

RetireePlan is listed in our Retirement Planning Software directory. Add the badge to your site — it links back to this page.

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Reviewed by iTechGuides Editors · Editorial team · Updated Sep 2026

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