Beaver FP

Financial Planning

Free · In‑App Purchases

New: Financial Insights and stress testing. Complete Canadian retirement planning with year-by-year projections and full tax calculations. Try free for 1 week. 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. NEW — Financial Insights Your plan, examined. Ranked opportunity cards name specific improvements — CPP and OAS timing, RRSP meltdown, pension splitting, debt paydown, 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? NEW — Stress Testing Will your plan survive a bad decade? Run 100 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 • Beautiful charts showing your wealth growth over time • Interactive Sankey diagrams revealing money flow from income to investments to expenses • Detailed breakdowns with expandable sections 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 • Real estate with rental income and capital gains 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 — 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 Start Planning Your Future Today Privacy Policy: https://beaverfp.com/privacy Terms of Service: https://beaverfp.com/terms

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Beaver FP 2.0 is our biggest update yet. FINANCIAL INSIGHTS — NEW Look for the gold sparkle. Beaver FP now examines your plan and surfaces ranked opportunities — each priced in your own dollars, with one-tap Apply: • CPP and OAS start ages that deliver the most over your whole plan • RRSP meltdown and pension income splitting, priced against your actual plan before you commit • Debt paydown, retiring debt before you retire, and consolidating high-interest loans • Spousal RRSP income splitting and inflation-adjusted contributions Plus answers to the three big questions: How early could you retire? How much more could you spend? What return does your plan actually need? STRESS TESTING — UPDATED Will your plan survive a bad decade? • Run 100 simulated lifetimes against realistic market ups and downs and see the odds your money lasts • A fan chart shows the median outcome, the most-likely zone, and realistic best and worst cases • Replay real history against your plan: the 2008 financial crisis, COVID, the Dot-Com bust, 1970s stagflation, and more • Built on planner-standard capital market assumptions (FP Canada PAG) or 20 years of market history — your choice CHARTS, REBUILT • Five new charts: Contribution Room, Tax and Effective Rate, OAS Clawback, Tax Mix, and Cash Flow • One clean chart list with a You / Spouse / Family switch — no more hunting a 16-item menu • Tap or drag across any chart to inspect a single year • Every chart can switch between today's dollars and future dollars • Full-screen charts are back, with a visible expand button • iPad: new sidebar layout with a persistent detail column REBUILT SCENARIO SCREENS • Change Retirement Date: one slider per person moves retirement, jobs, and benefits together — with a live dollar impact as you drag • Retirement Lifestyle: find the highest spending your plan can sustain • Adjust Retirement Savings: see the monthly contributions your goal requires • Every scenario lists exactly what it will change before you apply it LOOK AND FEEL • Refreshed design across the app with consistent account colours everywhere • Choose Light, Dark, or Match Device appearance from the main menu • Improved app tour and a clearer subscription screen FIXES AND IMPROVEMENTS • Spousal RRSP contributions corrected in calculations • Loan advances now count toward available cash everywhere • Better shortfall detection before and after retirement • Many smaller fixes and improvements Questions or feedback? We'd love to hear from you — https://beaverfp.com

Version 2.0

The developer, Robert Armstrong, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy .

  • Data Not Collected

    The developer does not collect any data from this app.

    Privacy practices may vary, for example, based on the features you use or your age. Learn More

    Accessibility

    The developer has not yet indicated which accessibility features this app supports. Learn More

    Information

    Seller
    • Robert Armstrong
    Size
    • 12.3 MB
    Category
    • Finance
    Compatibility
    Requires iOS 18.2 or later.
    • iPhone
      Requires iOS 18.2 or later.
    • iPad
      Requires iPadOS 18.2 or later.
    • Mac
      Requires macOS 15.2 or later.
    Languages
    • English
    Age Rating
    4+
    In-App Purchases
    Yes
    • Monthly Subscription $5.99
    • Monthly Subscription $49.99
    • Lifetime Subscription $129.00
    • Learn More
    Copyright
    • © 2025 Robert Armstrong
  • Privacy Policy
  • License Agreement

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