Retirement Planner

Canadian retirement & tax plan

Only for Mac

Free · In‑App Purchases

Mac

Plan your Canadian retirement with confidence: project CPP, OAS, GIS, RRSP/RRIF & TFSA, optimize withdrawals and taxes, and stress-test with Monte Carlo. Retirement Planner is the complete Canadian retirement modeling tool for macOS. Project every income source, optimize your withdrawals and taxes, and see exactly how your money lasts - all in one fast, private, native Mac app. Built specifically for Canada: real CPP, OAS, GIS, and 2025 federal and provincial tax rules - not a generic calculator. PLAN EVERY INCOME SOURCE • CPP and OAS with configurable start ages, plus the OAS recovery tax (clawback) • GIS with a proper income test • RRSP/RRIF, TFSA, non-registered investments, pensions, business, real estate, and more • A single, unified year-by-year projection of gross income, tax, and net income to your life expectancy OPTIMIZE WITHDRAWALS AND TAXES • Automated withdrawal sequencing to hit your budget tax-efficiently • Early and partial RRSP-to-RRIF conversion to capture the pension-income tax credit • Pension income splitting for couples (up to 50%) • Full 2025 Canadian tax engine: brackets, surtaxes, health premiums, and credits for every province MODEL COUPLES AND HOUSEHOLDS • Link spouses and see a combined household income, tax, and net-worth view • Compare any two strategies side by side TEST YOUR PLAN • Monte Carlo stress testing with best/median/worst-case outcomes • Model a one-time market crash at any age • Track net worth across every account over time AI-ASSISTED PLANNING (OPTIONAL) • Generate a withdrawal strategy with AI using your own provider account (Anthropic, OpenAI, or Google Gemini). Your API key stays on your Mac; only financial figures and ages are sent - never personal identifiers. SHARE YOUR PLAN • Generate a polished multi-section PDF client report • Export any table to PDF and copy charts to the clipboard PRIVATE AND NATIVE • A true Mac app — fast, offline, and your data stays on your device. PLANS Retirement Planner offers Personal, Pro, and Advisor subscriptions that unlock advanced optimization, household planning, unlimited clients and strategies, and more. Subscriptions renew automatically unless cancelled. Retirement Planner is a planning and educational tool and does not provide financial, tax, or investment advice. Consult a qualified professional before making decisions. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://theblueplum.com/mac/rp2/privacy.html

Ratings & Reviews

  • This app hasn’t received enough ratings or reviews to display an overview.

The developer, Blue Plum Software Inc, The, 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
    • Blue Plum Software Inc, The
    Size
    • 8.1 MB
    Category
    • Finance
    Compatibility
    Requires macOS 14.6 or later.
    • Mac
      Requires macOS 14.6 or later.
    Languages
    • English and French
    Age Rating
    4+
    In-App Purchases
    Yes
    • Personal - Monthly $9.99
    • Personal - Annual $69.99
    • Pro - Annual $149.00
    • Advisor - Monthly $99.99
    • Pro - Monthly $14.99
    • Advisor - Annual $999.99
    • Learn More
    Copyright
    • © The Blue Plum Software Inc.
  • Developer Website
  • Privacy Policy

    • More by Blue Plum Software Inc, The