WisePlan Wealth vs FIRECA

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/

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.