# Beaver FP — Financial Planning > Canadian financial planning and retirement projection app with detailed simulations. (iPhone/iPad app by Robert Armstrong.) - Source: https://appshunter.io/ios/app/beaver-fp/id6751347553 (this page in markdown: same URL + `.md`) - Developer: [Robert Armstrong](https://appshunter.io/developer/1834728992) - Category: Finance, Productivity - Price: Free with in-app purchases - Age rating: 4+ - Requires: iOS 18.2 · 12 MB - Languages: American English - Released: 2025-10-30 - Data updated: 2026-08-27 - Monetization: freemium - User reviews in markdown: https://appshunter.io/ios/app/beaver-fp/id6751347553/reviews.md ## What is Beaver FP? Beaver FP is the complete retirement and financial planning app built exclusively for Canadians. Whether you're just starting to save or planning your retirement withdrawal strategy, Beaver FP gives you clear, year-by-year projections showing exactly how your finances will unfold. NEW — Financial Insights Your plan, examined. Ranked opportunity cards name specific improvements — CPP and OAS timing, RRSP meltdown, pension splitting, debt repayment, spousal RRSPs — each priced in your own dollars, with one-tap Apply. Plus answers to the three big questions: • How early could you retire? • How much more could you spend? • What investment return does your plan actually need? NEW — Stress Testing Will your plan survive a bad decade? Run up to 2,000 simulated lifetimes against market ups and downs and see the odds your money lasts — the median outcome, the most-likely zone, and realistic best and worst cases — or overlay historical events on your plan. See Your Future in Detail Unlike simple retirement calculators, Beaver FP runs sophisticated simulations that project every year from now through your expected longevity. See exactly when you can retire, how much you'll have, and whether your savings will last. • Year-by-year financial projections with full Canadian tax calculations • Beautiful charts showing your wealth growth over time • Interactive Sankey diagrams revealing money flow from income to investments to expenses • Detailed breakdowns with expandable sections Canadian-Specific Features • Full TFSA support with automatic contribution room tracking • RRSP/RIF calculations with automatic conversion at age 71 • Spousal RRSP for income splitting • FHSA tracking for first-time home buyers • DCPP and LIRA/LIF for employer pensions • CPP benefit projections (start ages 60-70) • OAS calculations with clawback modeling • GIS eligibility and benefit calculations • Provincial and federal tax for all provinces • Pension income splitting optimization Complete Investment Management • Multiple investment accounts with custom return rates • Automatic contribution strategies (which account to fund first) • Smart withdrawal optimization to minimize taxes • Capital gains tracking for non-registered accounts • Dividend income and reinvestment • Real estate with rental income and capital gains Household Planning for Couples • Separate tracking for each person • Different retirement ages and longevity • Automatic pension splitting optimization • Estate planning with asset transfers on death • Combined household view with aggregate projections Smart Tools & Scenarios • Goal Calculator: find your sustainable retirement spending • Change Retirement Date: one slider per person moves retirement, jobs, and benefits together — with a live dollar impact • Retirement Lifestyle: see the highest spending your plan can sustain • Adjust Retirement Savings: discover required monthly contributions • Advanced override system for modeling life changes Professional Export Generate polished PDF reports with an executive summary, current snapshot, detailed projections and charts, and professional formatting for advisors or personal records. Education Built In • Finance 101 module covering TFSAs, RRSPs, pensions, and more • Your Guide section with searchable help • Explanations throughout the app Simple Pricing • Free: try with 2 plans (read-only) • Monthly: 5 plans, full planning features, PDF export, iCloud sync — includes a 1-week free trial • Annual: 10 plans plus Financial Insights, Stress Testing, and import/export • Lifetime: unlimited plans and every feature, forever Every tier sees its Financial Insights opportunities and dollar figures; Annual and Lifetime unlock one-tap Apply and stress-test runs. Built for iOS & Mac Optimized for iPhone, iPad, and Mac, with optional iCloud sync across your devices. Start Planning Your Future Today Privacy Policy: https://beaverfp.com/privacy Terms of Service: https://beaverfp.com/terms ## Key features - Year-by-year financial projections - Canadian tax calculations - TFSA and RRSP support - Investment account tracking - Household and spousal planning - Scenario modeling tools - PDF report generation ## Pricing and in-app purchases Base price: Free. **Subscriptions** | Subscription | Price | Period | | --- | --- | --- | | Monthly Subscription | $5.99 | per month | | Monthly Subscription | $49.99 | per year | **One-time purchases** | Purchase | Price | Type | | --- | --- | --- | | Lifetime Subscription | $129.00 | one-time | ## Recent user reviews (3 of 3) All indexed reviews: https://appshunter.io/ios/app/beaver-fp/id6751347553/reviews.md ### 5/5 — Finally, a Canadian retirement tool that gets the tax details right *2026-08-05* I've tried other planing apps and a couple of spreadsheets, and they all fall apart in the calculations. Beaver FP doesn't. I modelled my spouse’s and my drawdown side by side — RRSP-to-RRIF conversion, pension income splitting, the spousal age election — and the numbers matched what we worked out by hand. That's the part that sold me: it's not a toy that spits out a "4% rule" number or shows only graphs, it actually models the mechanics and you can see the numbers and calculations and edit most of them. The Mac version is a proper native app, not a stretched-out phone screen. I like the dark mode too. The PDF report it generates is something I could actually follow. I would like it to store the plans for me in the cloud, but I can export and import them and that works well. ### 5/5 — Easy to use and not expensive *2026-07-10* I found the tool easy to use but you can drill down into the details if you want. It was pretty reasonably priced for such a big tool ### 5/5 — Planning tool for retirement *2026-06-24* Great tool… simple to easily get the basics but complex enough to get into the weeds with lots of scenarios. Worth it! ## Frequently asked questions about Beaver FP ### What is Beaver FP? Beaver FP is a financial planning application designed for Canadians. It offers detailed year-by-year projections for retirement, investment tracking, and household financial management. ### Is Beaver FP free to use? Beaver FP offers a free version with core planning features. However, it also provides premium subscription plans for advanced functionalities and unlimited scenario creation. ### What financial institutions does Beaver FP support? The provided data does not specify direct integration with financial institutions. Beaver FP focuses on manual input and tracking of various account types like TFSAs, RRSPs, and investment accounts. ### How secure is my financial data with Beaver FP? While the provided data doesn't detail specific security measures, financial planning apps generally employ industry-standard encryption and security protocols to protect user data. It's always recommended to review the app's privacy policy for explicit details. ### Does Beaver FP have ads? No, Beaver FP does not contain advertisements. The application is ad-free, allowing for an uninterrupted planning experience. ### What are the subscription options for Beaver FP? Beaver FP offers monthly subscription plans. Users can choose a monthly plan for $5.99 or an annual plan for $49.99, with a 14-day free trial available for the monthly option. ### How often is Beaver FP updated? Beaver FP was last updated on June 23, 2026, with version 1.2.1. This indicates a relatively recent update, suggesting ongoing development and maintenance. ### Can I use Beaver FP on both iPhone and iPad? Yes, Beaver FP is supported on both iPhone and iPad devices, offering a consistent experience across Apple's mobile platforms. ## Version history (last 5 releases) ### 2.1 — 2026-08-21 Personal iCloud sync keeps your plans up to date across all your devices. It's optional, and the app still works fully offline — plan anywhere. Your data lives in your own iCloud; Beaver FP never sees it. ### 2.0 — 2026-08-05 Beaver FP 2.0 is our biggest update yet. FINANCIAL INSIGHTS — NEW Look for the gold sparkle. Beaver FP now examines your plan and surfaces ranked opportunities — each priced in your own dollars, with one-tap Apply: • CPP and OAS start ages that deliver the most over your whole plan • RRSP meltdown and pension income splitting, priced against your actual plan before you commit • Debt paydown, retiring debt before you retire, and consolidating high-interest loans • Spousal RRSP income splitting and inflation-adjusted contributions Plus answers to the three big questions: How early could you retire? How much more could you spend? What return does your plan actually need? STRESS TESTING — UPDATED Will your plan survive a bad decade? • Run 100 simulated lifetimes against realistic market ups and downs and see the odds your money lasts • A fan chart shows the median outcome, the most-likely zone, and realistic best and worst cases • Replay real history against your plan: the 2008 financial crisis, COVID, the Dot-Com bust, 1970s stagflation, and more • Built on planner-standard capital market assumptions (FP Canada PAG) or 20 years of market history — your choice CHARTS, REBUILT • Five new charts: Contribution Room, Tax and Effective Rate, OAS Clawback, Tax Mix, and Cash Flow • One clean chart list with a You / Spouse / Family switch — no more hunting a 16-item menu • Tap or drag across any chart to inspect a single year • Every chart can switch between today's dollars and future dollars • Full-screen charts are back, with a visible expand button • iPad: new sidebar layout with a persistent detail column REBUILT SCENARIO SCREENS • Change Retirement Date: one slider per person moves retirement, jobs, and benefits together — with a live dollar impact as you drag • Retirement Lifestyle: find the highest spending your plan can sustain • Adjust Retirement Savings: see the monthly contributions your goal requires • Every scenario lists exactly what it will change before you apply it LOOK AND FEEL • Refreshed design across the app with consistent account colours everywhere • Choose Light, Dark, or Match Device appearance from the main menu • Improved app tour and a clearer subscription screen FIXES AND IMPROVEMENTS • Spousal RRSP contributions corrected in calculations • Loan advances now count toward available cash everywhere • Better shortfall detection before and after retirement • Many smaller fixes and improvements Questions or feedback? We'd love to hear from you — https://beaverfp.com ### 1.2.1 — 2026-06-23 Stress test your financial plan with the new Monte Carlo simulation. Run thousands of randomized scenarios to see the range of possible outcomes for your retirement. Choose from different investment profiles, or set a glidepath that shifts your allocation over time as you approach retirement. Curious how your plan would have weathered the 2000 dot-com bust or 2008 financial crisis? Apply historical market scenarios and find out. ### 1.2 — 2026-04-29 Stress test your financial plan with the new Monte Carlo simulation. Run thousands of randomized scenarios to see the range of possible outcomes for your retirement. Choose from different investment profiles, or set a glidepath that shifts your allocation over time as you approach retirement. Curious how your plan would have weathered the 2000 dot-com bust or 2008 financial crisis? Apply historical market scenarios and find out. ### 1.1 — 2025-12-07 Redesigned Simulation View - rebuilt for smoother scrolling and better performance Year Parameters View - tap any year to see detailed simulation parameters 2026 Tax Updates - added 2026 tax brackets and TFSA contribution limits Pensionable Salary Limit - new option to cap pensionable earnings Improved Pension Calculations - enhanced accuracy for pension projections Better Mobile Experience Improved Charts Dark Mode Fixes PDF Export enhancements Fixed expense and loan rollovers to the survivor ## Apps similar to Beaver FP | App | Rating | Price | Category | | --- | --- | --- | --- | | [Investia](https://appshunter.io/ios/app/investia/id1549342167) | 4.8 (67) | Free | Finance | | [Canadian Mortgage App](https://appshunter.io/ios/app/canadian-mortgage-app/id509978685) | 4.9 (88) | Free | Finance | | [Retirement Forecaster](https://appshunter.io/ios/app/retirement-forecaster/id1494022571) | — | Free | Finance | | [RBC Launch](https://appshunter.io/ios/app/rbc-launch/id1022830198) | 4.7 (161) | Free | Finance | | [Square One](https://appshunter.io/ios/app/square-one/id6443588558) | — | Free | Finance | --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-27.*