Accurate to the province. Fluent in both languages. Built for the incorporated business owner and the retiree next door, with every number you can trace back to a single engine and defend in the room.
14 days · No credit card required
Move the estate value and change the province. Every figure below comes from that jurisdiction’s own fee schedule, not one national formula with a provincial label on it.
The first $50,000 is exempt (since 1 January 2020), then 1.5% on everything above it.
On this estate, the same family pays $0 in Manitoba and $19,647.65 in Nova Scotia.
Most tools apply one formula to all of Canada. We don’t.
Fee schedules as published by each jurisdiction, current for 2026. Figures show the probate fee or estate administration tax itself; court filing fees are noted in the rule where they apply.
Retirement is not one country-agnostic formula. It is a province, a language, a corporate structure, and a set of rules that change at the border of each of them.
Try the province demoPer-province probate, spousal rollover, provincial tax, QPP for Québec residents, and RRIF minimums to the exact CRA factor. Not one formula wearing thirteen labels.
The questionnaire, the app, and the client report are fully bilingual, including fr-CA number formatting and RRQ, PSV and FERR terminology.
Holdco and opco shared between spouses, CDA, RDTOH and GRIP balances, estate freezes, and corporate estate exposure: the highest-value files, modelled properly.
One deterministic engine feeds the plan, the year-by-year grid, and the report. Every number traces back, which is what makes it safe to put in front of a client.
Not a summary page and a hope that they trust it. The actual year, the actual income, the actual balance. In the room, in their language.
| Year | Age | Employment | CPP | OAS | Registered draw | Total income | Registered |
|---|---|---|---|---|---|---|---|
| 2026 | 62 | $95,000 | – | – | – | $95,000 | $819,000 |
| 2027 | 63 | $95,000 | – | – | – | $95,000 | $859,950 |
| 2028 | 64 | $95,000 | – | – | – | $95,000 | $902,948 |
| 2029Retires · CPP + OAS begin | 65 | – | $15,600 | $8,800 | $60,600 | $85,000 | $887,495 |
| 2030 | 66 | – | $15,600 | $8,800 | $60,600 | $85,000 | $871,270 |
| 2031 | 67 | – | $15,600 | $8,800 | $60,600 | $85,000 | $854,234 |
| 2032 | 68 | – | $15,600 | $8,800 | $60,600 | $85,000 | $836,346 |
| 2033 | 69 | – | $15,600 | $8,800 | $60,600 | $85,000 | $817,563 |
| 2034 | 70 | – | $15,600 | $8,800 | $60,600 | $85,000 | $797,841 |
| 2035RRSP converts to RRIF | 71 | – | $15,600 | $8,800 | $60,600 | $85,000 | $777,133 |
| 2036First mandatory RRIF minimum | 72 | – | $15,600 | $8,800 | $60,600RRIF min $41,033 | $85,000 | $755,390 |
| 2037 | 73 | – | $15,600 | $8,800 | $60,600RRIF min $40,791 | $85,000 | $732,560 |
| 2038 | 74 | – | $15,600 | $8,800 | $60,600RRIF min $40,511 | $85,000 | $708,588 |
| 2039 | 75 | – | $15,600 | $8,800 | $60,600RRIF min $40,177 | $85,000 | $683,417 |
| 2040 | 76 | – | $15,600 | $8,800 | $60,600RRIF min $39,775 | $85,000 | $656,988 |
| 2041 | 77 | – | $15,600 | $8,800 | $60,600RRIF min $39,288 | $85,000 | $629,237 |
| 2042 | 78 | – | $15,600 | $8,800 | $60,600RRIF min $38,824 | $85,000 | $600,099 |
This is what your client sees: every year, not just the summary.
Sample household · registered balance grows at 5% · target retirement income $85,000 · nominal dollars
Not a translated menu bar over English output. The questionnaire, the app, and the client report are all bilingual, down to how a dollar figure is written in Québec.
Flip the switch: 1 595 850 $ is not a typo. It is how currency is written in fr-CA, and it is how your Québec client’s report reads.
The screen you plan on, the year-by-year grid you scroll in the meeting, and the PDF your client takes home all read from the same deterministic projection. There is no second calculation to disagree with the first.
Finn reasons over that plan’s data and nothing else. Every recommendation comes back with the figures behind it, so you can explain the reasoning to a client and defend it to compliance. Sessions are not stored.
A spouse inherits RRSPs and RRIFs tax-deferred. The tax falls at the second death, not the first. Tools that tax registered accounts at the first death can overstate a client’s estate tax by six figures. We model it the way the CRA actually treats it.
Your Québec clients are on the RRQ, not the CPP. Different rules, different numbers. Tools that treat all of Canada as one plan mis-project every Québec retirement they touch.