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RetireePlan
What it is
RetireePlan is a free, self-hosted retirement planning app built for Canadians to model finances, test scenarios, and examine tax outcomes. Its year-by-year projections track income, expenses, account growth, withdrawals, and taxes. Users can run 1,000-trial Monte Carlo simulations with normal, log-normal, or historical-bootstrap returns, then compare named scenarios. The Canadian tax model covers federal and provincial brackets, CPP/QPP, EI, OAS/GIS clawback, pension splitting, and RRIF minimums. A rule-based engine ranks recommendations and assigns dollar values, including opportunities related to RRSP withdrawals, OAS clawback avoidance, and TFSA use. Users can also model rental properties, principal-residence exemptions, probate, and beneficiary designations. RetireePlan can import YNAB spending categories and transactions, and its AI assistant can use local Ollama or GitHub Copilot. It runs as a web app or desktop installation for macOS, Windows, and Linux, with Docker containers for self-hosting. The app exports multi-scenario PDF reports and annual CSV data. Its maker says the tax calculations are illustrative and the tool is not financial advice.
For and against
For
- Projects income, expenses, withdrawals, growth, and taxes by year
- Runs 1,000-trial Monte Carlo simulations
- Models Canadian federal and provincial tax features
- Imports YNAB spending categories and transaction data
- Exports multi-scenario PDFs and annual CSVs
Against
- Built for Canadians
- Tax calculations are illustrative
- It is a planning tool, not financial advice
The verdict
RetireePlan offers detailed Canadian retirement projections, scenario comparisons, and tax modeling at no cost. Treat its outputs as planning illustrations rather than financial advice.
Who it suits
RetireePlan is intended for individual investors in Canada who want to model retirement finances and tax scenarios. Its self-hosting options may suit people who want to run the app on their own hardware.
Plans and prices
Free
Free forever · open source
Read 4 Oct 2026 · joeregnier.github.io
On the record
- AI integrations
- The context-aware AI assistant can use local Ollama or GitHub Copilot.joeregnier.github.io · read 4 Oct 2026
- Automated insights
- A rule-based engine provides ranked, dollar-quantified recommendations including RRSP meltdown opportunities, OAS clawback avoidance, and TFSA utilization.joeregnier.github.io · read 4 Oct 2026
- Canadian tax features
- The tax engine covers federal and provincial brackets, CPP/QPP, EI, OAS/GIS clawback, pension splitting, and RRIF minimums.joeregnier.github.io · read 4 Oct 2026
- Cash-flow projections
- Its deterministic engine tracks income, expenses, account growth, withdrawals, and taxes year by year.joeregnier.github.io · read 4 Oct 2026
- Data privacy
- The maker describes RetireePlan as privacy-first and says users can run it on their own hardware without sharing their data.joeregnier.github.io · read 4 Oct 2026
- Desktop and self-hosting
- Desktop installers are offered for macOS, Windows, and Linux, and the project also provides self-hosted Docker containers.github.com · read 4 Oct 2026
- Exports
- The app supports multi-scenario PDF reports and CSV exports with one row per year.github.com · read 4 Oct 2026
- Intended users
- The maker presents it as a tool for individual investors and says it is built for Canadians.github.com · read 4 Oct 2026
- License
- RetireePlan is released under the MIT License.github.com · read 4 Oct 2026
- Limitations
- The maker states that RetireePlan is a planning and modelling tool, not financial advice, and that tax calculations are illustrative.github.com · read 4 Oct 2026
- Purpose
- RetireePlan is a self-hosted Canadian retirement planning app for modeling finances, running simulations, and optimizing taxes.joeregnier.github.io · read 4 Oct 2026
- Scenarios and estate planning
- Users can compare named what-if scenarios and model rental properties, principal-residence exemptions, probate, and beneficiary designations.joeregnier.github.io · read 4 Oct 2026
- Simulations
- It offers 1,000-trial Monte Carlo simulations using normal, log-normal, or historical-bootstrap returns.joeregnier.github.io · read 4 Oct 2026
- YNAB integration
- The app can import YNAB spending categories and transaction data to inform projections.github.com · read 4 Oct 2026
