Beaver FP vs FIRECA

Beaver FP is retirement planning for Canadians, and nothing else. No bank logins, no transactions to sort, no budgets to track: just your plan, year by year, from today through retirement. Start in Minutes Quick Plan's seven short screens lay out your whole retirement. Add detail whenever you like: every income, account, pension, loan and expense. Financial Insights Your plan, examined. Ranked recommendations, each priced in today's dollars, with one tap to apply: CPP and OAS timing, RRSP meltdown, RRSP or TFSA, your withdrawal order, pension splitting, spousal RRSPs, paying off debt, and a fix for any working year that falls short. Choose what matters most, spending it all, balance or leaving a legacy, and they're ranked that way. Plus answers to 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. Every Year in Detail • Year-by-year projections with full federal and provincial tax • Tap any number to see how it was calculated • A Year Summary that reconciles every account and loan • Eleven charts, from investment growth to OAS clawback • Plan Overview: money flows, a timeline of your milestones, and the steps to carry out your plan Built for Canadian Retirement • TFSA, RRSP and RRIF, spousal RRSP, FHSA, DCPP, and LIRA and LIF, with contribution room tracked • CPP from 60 to 70, OAS with clawback, and GIS • Defined benefit pensions with bridge benefits and CPP integration • Tax for every province and territory, with CPP and EI premiums • Pension income splitting for couples Planning Tools • Choose the order you save into and draw from your accounts • RRSP meltdown strategies and capital gains on non-registered savings • Paid-off loan payments: when a loan is paid off, its payment goes onto your other loans, then into savings • Overrides for any year: a raise, a big expense, a paused contribution, a mortgage payment holiday • Change Retirement Date, Retirement Lifestyle and Adjust Retirement Savings, each with a live dollar impact Couples • Each person's incomes, accounts, retirement age and longevity • Estate transfers on death, and a combined household view Reports A PDF report with an executive summary, your inputs and overrides, detailed projections and charts, for you, your partner or your advisor. Private by Design No servers and no account to create. Your plans stay on your devices, and in your own iCloud if you turn on sync. No analytics, no advertising, and it works offline. Learn as You Go Finance 101 covers TFSAs, RRSPs, pensions and investing basics. Your Guide is searchable help for every screen. Simple Pricing • Free: try with 2 plans (read-only) • Monthly: 5 plans, full planning features, PDF export, iCloud sync, with a 1-week free trial • Annual: 10 plans plus Financial Insights, Stress Testing, and import and export • Lifetime: unlimited plans and every feature, forever Every tier sees its Financial Insights recommendations and dollar figures; Annual and Lifetime unlock one-tap Apply and stress-test runs. For iPhone, iPad and Mac, with optional iCloud sync across your devices. Privacy Policy: https://beaverfp.com/privacy Terms of Service: https://beaverfp.com/terms

FIRECA helps Canadians plan their path to financial independence and retirement with a simple, visual FIRE calculator. Estimate your FIRE number, project your portfolio over time, and see how today’s savings decisions may affect your future retirement timeline. Built for Canadian planning, FIRECA helps you model: • Monthly income, expenses, and savings rate • TFSA, RRSP, and non-registered investments • Retirement age and financial independence targets • CPP and OAS income estimates • Withdrawal-rate planning • Inflation and investment return assumptions • Rental property income and sale scenarios • Spouse/partner retirement planning • Net worth snapshots and shareable summaries FIRECA is designed for quick “what if?” planning. Adjust your assumptions and instantly see how your target number, retirement age, income gap, and portfolio path may change. Use it to answer questions like: • How much do I need to retire? • Am I saving enough each month? • What happens if I retire earlier or later? • How do CPP and OAS affect my plan? • How long could my portfolio last? • What if I sell a rental property? • What does my FIRE path look like in today’s dollars? FIRECA keeps the experience lightweight and focused. No complicated spreadsheets. No account sign-in required to start planning. Just clear numbers, charts, and retirement scenarios you can understand at a glance. Important: FIRECA is for educational and planning purposes only. Results are estimates based on the assumptions you enter. It is not financial, investment, tax, legal, or retirement advice. Consider speaking with a qualified professional before making major financial decisions.