Beaver FP vs WisePlan Wealth

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. 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? 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 • Tap any number to see how it was calculated • Beautiful charts showing your wealth growth over time • Plan Overview: money flows, a timeline of your milestones, and the steps to carry out your plan • A Year Summary that reconciles every account and loan 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 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

WisePlan Wealth — Retirement Planning Made Clear Plan your retirement with confidence. WisePlan Wealth gives you a comprehensive, personalized projection of your financial future — whether you're in Canada or the United States. Enter your income, expenses, assets, pensions, and investment portfolio, and instantly see how your retirement plan holds up over time. Model different scenarios, stress-test against market downturns, and find the optimal strategy for your unique situation. Standard — Free: • Full retirement projection engine covering income, expenses, taxes, pensions, and investment growth • Support for CPP/QPP, OAS, GIS (Canada) and Social Security (US) • Go-Go / Slow-Go / No-Go retirement spending phases to model how your lifestyle and expenses change over time • Interactive dashboard with estate donut chart and tax overlay • Enter overall account values for your RRSP, TFSA, Non-Registered (Canada) or 401(k), Roth IRA, Brokerage (US) accounts • Single profile to build and refine your plan Premium — Unlock Powerful Analysis: • Everything in Standard, plus: • Customize CPP/QPP and OAS amounts, or let the optimizer find your ideal start ages to maximize lifetime income • Add pension accounts with custom start dates, amounts, and indexing • Add multiple income streams — rental income, annuities, side businesses, and more — each with their own schedule and growth rate • Custom portfolio holdings — enter individual stocks, ETFs, GICs, and crypto with ticker symbols, shares, and cost basis • Bring Your Own Key (BYOK) — connect your free Alpha Vantage API key for automatic ticker-based price updates across all holdings • Monte Carlo simulation — stress-test your plan against thousands of randomized market scenarios to see how resilient your strategy really is • Six key dashboard metrics: Retirement Coverage, Market Resilience, Retirement Years, PV Funded Ratio, Legacy, and Lifetime Tax • PDF and CSV report export — generate professional retirement reports to review offline or share with your financial advisor • Multiple profiles — create and compare different retirement scenarios side by side Pro — The Complete Toolkit: • Everything in Premium, plus: • Unlimited profiles — model as many scenarios as you need without limits • Profile import & export — save your profiles as portable files, back them up, or transfer between devices • Profile sharing — send profiles to a spouse, partner, or financial advisor via AirDrop, email, or any sharing method • Priority support Privacy First: Your data stays on your device. No account required. No ads. No tracking. See subscription options in the app for current pricing in your region. Subscriptions auto-renew unless cancelled at least 24 hours before the end of the current period. Manage subscriptions in your Apple ID settings. Terms of ​Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/