Retirement planning software · Quebec & Ontario

Will you have enough to retire?
See the answer in your own numbers.

The pieces in the picture

RRSP
TFSA
QPP
OAS
Taxes

Free while in beta. No credit card, no bank connection, and you can export or delete everything yourself.

AuraPlan is retirement planning software built for Quebec and Ontario. It simulates every year of your plan — RRSP, TFSA, QPP, OAS and real provincial tax — so you can see how long your money lasts and what taxes will take.

No commissionsNo bank connectionMade in Quebec

See where the years hide money.

One example household left $84,422 more to their heirs.

Your plan runs on your own numbers — this is one example household, in today's dollars.

No bank connectionsBuilt on Quebec's Law 25No commissions, nothing soldMade in Quebec

A real year-by-year tax simulation — RRSP · TFSA · QPP · OAS — not a return-rate guess.

Built Quebec-first

The missing piece.

Most retirement tools are built for Canada first and Quebec second. AuraPlan starts with Quebec.

QPP, not CPP.

Quebec's pension modeled to its own rules — including claiming as late as 72, where the federal CPP stops at 70 — with the exact reduction or boost for every start age.

The 16.5% federal abatement.

Quebec residents pay less federal tax. It's built into every year of the projection.

Revenu Québec's own brackets and credits, kept current.

Indexed year by year — including the living-alone amount and the 6% worker's deduction that generic tools skip.

Pension splitting, Quebec-style.

Quebec has its own splitting election at 65 and over, separate from the federal one — modeled as such.

LIRA and LIF, with Quebec's limits.

Locked-in accounts from a former employer pension — with both the minimum you must withdraw and the maximum Quebec lets you take, by age.

Working years too.

QPP contribution rates and Quebec's reduced EI premium (thanks to QPIP) in every working year — so the plan is right before retirement, not just after.

Every account type

RRSP, spousal RRSP, TFSA, RRIF, LIRA, LIF, RESP and non-registered — with contribution room and RRIF minimums tracked for each.

Quebec first, Ontario fully supported

Ontario gets its own brackets, surtax and health premium — modeled as natively as Quebec. More provinces after.

You’ve been asking yourself

Can I retire at 60?

…or at 50? …do I have enough? …if I sell the house? …if the market dips the year I stop?

The picture above exists to answer questions like these — with your numbers, not averages.

When can I retire?

Pick a retirement age and the simulation runs your whole plan to its last year. Change the age and it re-runs on the spot.

Will the money last?

Net worth, income, cashflow — every lens shows every year of the plan, so you see where the money holds and where it thins, not one magic number.

What will taxes take?

A real Canadian tax engine — Quebec first-class — prices each year of the plan, and the year detail decomposes any of them to the dollar.

When should I start QPP and OAS?

Move the start ages and watch lifetime income, taxes and clawbacks recompute across the whole plan.

What if the market dips early?

Change the return assumptions and re-run the simulation — you see year by year whether the plan still holds.

What does retiring two years earlier cost?

That's a what-if. Tell AuraPlan what you're weighing — in plain words, hopes and worries included — and it turns the question into a change to your plan, re-runs the simulation, and answers in dollars.

The product

See AuraPlan in action.

Three views do most of the work. Here’s each one, and what it’s for.

The dashboard

The whole picture.

Accounts, income, spending, and the projection they add up to — from today to the end of the plan. This is where you check in: where things stand now, and where they're headed.

The projection

Every lens on one plan.

Net worth, income, taxes, cashflow — different reads of the same projection. There's only one plan underneath, so change an assumption anywhere and every view updates with it.

The year detail

Open any year. Audit it to the dollar.

Pick a year and see its income, taxes, withdrawals, growth and government benefits — each number with its explanation. If something looks off, you can trace exactly why.

AuraPlan dashboard showing the projected net-worth trajectory and today's snapshot

AuraPlan year detail breaking one year down into income, taxes, withdrawals, growth and benefits

The dashboard

The whole picture.

Accounts, income, spending, and the projection they add up to — from today to the end of the plan. This is where you check in: where things stand now, and where they're headed.

The projection

Every lens on one plan.

Net worth, income, taxes, cashflow — different reads of the same projection. There's only one plan underneath, so change an assumption anywhere and every view updates with it.

The year detail

Open any year. Audit it to the dollar.

Pick a year and see its income, taxes, withdrawals, growth and government benefits — each number with its explanation. If something looks off, you can trace exactly why.

It’s live

Move a piece, see the picture change.

Change anything — an age, a rate, a contribution — and the whole plan recalculates at once. And when the question is bigger than a slider, you just ask it.

Ask what-if

“What if we gift our child $50k for their wedding in 10 years?”

Ask in plain words. AuraPlan turns the question into changes to your plan, re-runs the full simulation, and answers in dollars — what it costs, what it moves, and whether the plan still holds.

AuraPlan's what-if panel — retirement, QPP and OAS start ages ready to change, and a box to ask in plain words

The optimizer

Or let it find the opportunities.

You don’t have to find the best moves yourself. The optimizer searches your whole plan for them — how much to draw from each account each year to fill the right tax bracket and no more, when to convert and draw down an RRSP, when each of you should start QPP and OAS, how to split income between spouses. The work a good planner does by hand, run across your whole life. See what it finds in yours.

Left behind · before optimizing

$2,025,900

Left behind · after optimizing

$2,025,900

$0 more to your heirsand +$200/mo more you could spend

Same household, same savings, same spending — AuraPlan just re-timed and re-sized the moves: which account each dollar comes out of, in which year. On this plan it lifts both the estate and the monthly ceiling. One household's result, not a promise. Yours computes from your own accounts.

AuraPlan's optimizer showing what an example household leaves behind before and after optimizing

In every plan

The rest of what you get.

Today's snapshot

Net worth, income against expenses, this year's tax — where things stand right now, before any projection.

Milestones on the chart

RRIF conversion, a mortgage paid off, QPP starting — marked on the projection in the year they happen.

Today's dollars or future dollars

Read any year in today's purchasing power or in the dollars of that year — inflation handled either way.

Scenarios

Keep a what-if as a scenario — a complete plan of its own, with its own assumptions, that you can come back to.

Debts, paid down properly

Mortgages and loans with their rates, payments and extra payments — and a payoff date the rest of the plan reacts to.

Growth you set

Each account and asset grows at the rate you give it, with contributions and one-time changes along the way.

Planned pricing

Free during the beta.

Planned launch pricing

Plus

$20/mo

Pro

$30/mo

Founding pricing · Earned, not sold

Beta testers lock in founding pricing — $10/mo at launch.

Reserved for beta testers. Not for sale — you get it by testing, and by shaping what gets built next.

Create my free plan

AuraPlan is free during the beta. Pricing may be introduced after the beta, with advance notice.

Start your free assessment

Fair questions

Before you type your numbers anywhere.

Is it really free?

Free during the beta. Pricing may be introduced after the beta with advance notice, and beta testers receive founding pricing at launch.

Do I have to connect my bank?

Never. You type the numbers yourself, and approximate numbers work fine — “salary about $85,000, RRSP about $100,000” is a real plan you can refine later.

Who sees my data?

Built around Quebec's Law 25 with consent controls. We don't sell financial products, we don't earn commissions, and we never sell your data. You can export everything and delete your account yourself.

Is this an advisor?

No. AuraPlan is software you run yourself. Nobody will call you, and nothing is sold to you.

What does “beta” mean here?

The product is real and improving weekly. You'll see a feedback button in the app — what testers report shapes what we build. Your plan and data stay yours.

Is it only for Quebec?

Quebec-first, and Ontario is fully supported with its own tax module. More provinces after.

What's the difference between the assessment and the planner?

The assessment is a one-minute first projection, no account. The planner is the full product behind sign-up: your real accounts, every year, the optimizer.

Put yours together.

Your numbers are enough. Start with approximations, see your first projection in about a minute, and refine from there.

Create my free plan Or try the 1-minute projection first

Free while in beta · No credit card · No bank connections · Built for Quebec & Ontario

Or let it find the opportunities.

Will you have enough to retire?See the answer in your own numbers.