One planning engine, four ways to access it

Start free with Starter. Paid tiers share the same planning engine — choose Premium for local-only privacy, Pro for cloud sync across devices, or Pro+ for Ask AI.

Starter

For trying the app with one scenario — no commitment.

Free forever

Start free

No credit card required

1 scenario
Core projections
Account types: Canada (RRSP, TFSA, FHSA, Non-registered); US (401(k), IRA, Roth, taxable)
Overview charts (net worth, income, expenses, contributions, withdrawals)
Data stored locally on your device
Basic support

Upgrade to unlock advanced tax, what-if, Monte Carlo, benefits, and cloud sync.

Premium

Local only — your data stays on this device. Privacy-first.

$48.00 per year

$4.00/mo billed annually

7 days free

Start free trial

Local only — scenario data stays on this device; not synced to our cloud
Privacy-first. Your data never leaves your device.
Planning & analysis — unlimited scenarios & what-if; benefits & withdrawal strategies; milestones & structures; Monte Carlo (500+ runs); advanced tax modelling & estimation
Accounts & balance sheet — Canada/US account types, real estate, liabilities, sankey-style cashflow views
Export & share projections, priority support, and persistence on this device

Pro

Cloud sync — use on any device, any browser.

$66.00 per year

$5.50/mo billed annually

7 days free

Start free trial

Everything in Premium, plus cloud features
Cloud sync & encrypted backup — scenarios on any signed-in device; stay local-only or switch to cloud-backed data anytime

Pro+

Everything in Pro, plus AI-powered planning.

$140.00 per year

$11.67/mo billed annually

7 days free

Start free trial

Everything in Pro, plus Ask AI
Ask AI — natural-language questions about your scenario
Answers grounded in your projections, accounts, and assumptions
Monthly AI query allowance included.

Ask AI is educational only and is not financial advice.

Compare at a glance

Premium vs Pro: the same planning capabilities; Premium is local-only, Pro adds cloud sync & backup. Pro+ adds Ask AI.

Feature	Starter	Premium	Pro	Pro+
Where your plan lives	This device · 1 scenario	This device · not synced	Cloud · any device	Cloud · any device
Scenarios	1	Unlimited	Unlimited	Unlimited
What-if scenario planning	—	✓	✓	✓
Benefits analytics	—	✓	✓	✓
Withdrawal strategies (VPW, 4%, Guyton-Klinger)	—	✓	✓	✓
Milestone tracking	Limited	✓	✓	✓
Structures (entities & trusts)	—	✓	✓	✓
Account types (Canada & US)	Core set	Full	Full	Full
Real estate & liabilities	Core	✓	✓	✓
Advanced tax modelling & estimation	—	✓	✓	✓
Monte Carlo (500+ simulations)	—	✓	✓	✓
Cashflow sankey charts	—	✓	✓	✓
Export & share projections	—	✓	✓	✓
Priority support	—	✓	✓	✓
Local or cloud storage (your choice)	Local	Local only	✓	✓
Ask AI	—	—	—	✓ (allowance applies)

✓ = included. Starter limits reflect paid-tier features not on the free plan; overview charts and core projections still apply. Ask AI on Pro+ uses cloud-backed data while you're signed in.