WealthAgent

Retirement planning for Canadians

Do I have enough for
the retirement I want?

Model your financial future with personalized retirement forecasts, evaluate what-if scenarios, and explore your plan in depth with privacy-aware AI guidance.

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Watch the film · 90 seconds

WealthAgent promotional film

A 90-second film with instrumental music and sound effects. Use the player controls to pause, seek, or mute. Close returns to the website.

A clearer picture of your retirement · 90 seconds

See your retirement plan take shape

The WealthAgent Net Worth Forecast: a sample household’s assets, liabilities, and retirement outlook. Desktop shows a 30-year chart; mobile shows projected year-end balances in the annual Summary.

See the bigger picture.

Follow your assets and liabilities through retirement, and see how your net worth changes over time.

Actual planner screens. Illustrative sample plans.
The WealthAgent Cash Flow Forecast showing sample income, spending, and taxes, with a long-term chart on desktop and selected-year inflow and outflow breakdowns on mobile.

Know what funds your everyday.

See how income and withdrawals meet spending, planned gifts, and taxes, from your working years through your next chapter.

Actual planner screens. Illustrative sample plans.
The actual WealthAgent scenario workspace comparing a base plan with three illustrative alternatives: Lower spending, Work two more years, and More travel.

Explore the what-ifs before you decide.

Compare retirement timing, spending, and savings choices side by side. Understand what changes—and what it means for your plan.

Actual planner screens. Illustrative sample plans.

Your whole financial picture.
One place to understand it.

Start with your household data.

Bring members, accounts, income, expenses, and goals together in a personalized retirement plan.

Look beyond a single number.

Follow cash flow and net worth over time to understand how your plan supports the retirement you want.

Make room for what changes.

Explore retirement timing, spending, and savings choices by using scenario-based planning.

A strategy for
every chapter.

Retirement is more than a finish line. Coordinate withdrawals across different phases of your life, with a clearer view of income, spending, and tax impact.

Gift goals let you choose a payment date and the number of yearly funding installments. Legacy goals set a separate after-tax estate target for the end of the plan. Both are available with Plus and Premium.

  • Plan how and when to draw from your accounts
  • Build a strategy around your retirement phases
  • Review gift funding alongside other withdrawals and projected taxes
Start planning your next chapter
WITHDRAWAL STRATEGY
WealthAgent's phased withdrawal strategy showing retirement transition, core retirement, and later retirement, with account sources for each phase.
Plan withdrawals around the life you want to lead.
YOUR PLANNING ASSISTANT
The actual WealthAgent AI assistant alongside a sample net worth forecast, discussing income, withdrawals, and retirement spending assumptions.
Ask questions with your plan in view.

More understanding.
One question at a time.

Privacy-aware AI assistant. Ask questions, analyze options, and explore the assumptions behind your numbers.

Your plan provides the context. Names and direct personal identifiers are excluded from the context sent to the AI model.

Learn about privacy at WealthAgent

Actual planner screens with illustrative sample data and conversation.

A clearer picture.
A better conversation.

Understanding your retirement picture can be the first step toward getting professional advice. Explore your goals, organize your financial information, and bring more informed questions to a financial planner.

With a Plus or Premium subscription, you can share your plan and collaborate with your financial planner.

From signing up
to your first forecast.

  1. Create your free account

    Sign up and start with Standard. Subscribe to Plus or Premium plans when you’re ready.

  2. Build your financial picture

    Add your household members, accounts, income, and expenses to build your retirement plan.

  3. See your first forecast

    Review your projected net worth and cash flow. With a Plus or Premium subscription, compare what-ifs and explore your plan with the AI assistant.

Start free.
Explore more ways to plan.

Standard

Free

Free to use standard features

  • Create accounts, income, assets, and liabilities
  • Model rental income and properties, annuities, and business assets
  • Create a budget and expenses to model spending
  • Prorated withdrawal modelling
  • Automatic net worth and cash flow calculations
  • Automatic tax estimations
  • Forecasting with default assumptions

Plus

$5/month

or $50/year

Save $10 with an annual subscription

  • Everything in Standard
  • AI personal assistant and guided planning
  • Create plan scenarios (what-ifs)
  • Define spending, giving, and legacy goals
  • Create multi-phase withdrawal strategies
  • Stress test your plan with market simulations
  • Share and collaborate with your spouse or financial professional

Premium

$10/month

or $100/year

Save $20 with an annual subscription

  • Everything in Plus
  • AI assisted plan updates
  • AI generated withdrawal strategies
  • AI retirement planning recommendations
  • Increased AI usage limits
  • Automatically update fund and equity prices (coming soon)
  • Automatically update accounts via Open Banking (coming soon)

Yearly savings are calculated against paying monthly for 12 months. Subscription details are shown in Billing before payment.

Sign Up

Already have an account? Open your planner, then choose Manage account → Billing from the account menu.