Canada's retirement-planning hub for a connected financial toolkit. Track your net worth, build your FIRE plan, and model your retirement drawdown — with CPP/QPP, OAS, RRSP, TFSA, LIRA/LIF, and FHSA planning built in.
FireCA focuses on the long-term plan: track wealth, calculate financial independence, and model retirement. Cashflow Pilot and Dividend Pilot complement it with the deeper everyday-finance and investment detail behind that plan.
Log net worth snapshots over time and watch your real financial picture emerge. See contributions vs market gains, account-by-account growth, and whether you're ahead or behind your plan.
Calculate your FI number, Coast FIRE target, and years to retirement. Run Monte Carlo simulations to stress-test your timeline against thousands of randomized market paths.
Model your retirement runway year by year with real Canadian government benefit math. Test against historical crashes and optimize your drawdown sequence for tax efficiency.
Whether you just got your first real job or you're months from retirement, FireCA has tools built for where you actually are.
You're earning, saving, and want to actually see your net worth grow. You've heard about FIRE and want to know when you could actually stop working.
You have real money invested, a LIRA from an old job, maybe a house. You want to know if you're on track and what levers actually matter.
You're close to or already retired. The question isn't how to accumulate anymore — it's whether your money survives 30+ years and how to minimize taxes along the way.
FireCA currently opens the complete planning experience on web and iOS.
Log snapshots over time with per-account breakdowns. Track RRSP, TFSA, FHSA, LIRA, Non-Reg, Cash, Crypto, spouse accounts, and corporate assets separately. Account blocks include totals, while the net-worth breakdown shows liabilities and home equity clearly. See contributions versus market gains at each point in time.
Two-phase FI calculation — Phase 1 before CPP/QPP and OAS when your portfolio funds everything, Phase 2 after benefits start. Shows exactly how much CPP and OAS reduce your required savings. The displayed initial withdrawal rate is your planned annual spending divided by projected plan assets at retirement; it is a plan diagnostic, not an enforced 4% withdrawal.
Run 500–5,000 randomized market simulations to understand your real probability of reaching FI or surviving retirement. Configure volatility to match your actual portfolio risk, and switch the fan chart to a focused scale when a zero-based axis hides meaningful differences. The sequence-of-returns insight panel shows how your odds shift depending on whether your first 5 years of retirement land in the worst or best 25% of markets.
See how the portfolio funds the years between retirement and the first CPP/QPP, OAS, or pension payment. Bridge-funding charts separate portfolio cost from later benefit income, while failure-age and spending-cut views show when weak paths fail and whether a modest adjustment materially improves survival.
Year-by-year drawdown simulation with your actual account balances, drawdown order, LIF and RRIF mechanics, CPP/QPP and OAS timing, DB pension and bridge income, and OAS clawback. Set an exact retirement date from an editable timeline, then revise future events as the plan changes. Finds your safe spending rate automatically. Real Spending mode models retirement in today’s purchasing power with a configurable inflation rate.
Compare CPP start ages from 60 to 70, or QPP through age 72 when Quebec is selected. Review estimated breakeven ages, lifetime income, and the effect delayed benefits have on portfolio withdrawals.
Choose a province or territory and model retirement with either a simplified progressive bracket estimate or your own flat-tax assumption. The shared engine distinguishes taxable registered withdrawals, tax-free TFSA funding, partial non-registered gains, OAS recovery tax, pension splitting, and CPP/QPP sharing.
Model bracket-filling RRSP withdrawals before CPP, OAS, and RRIF minimums stack up. Set annual-percent, taxable-income, or age-71 balance targets, coordinate LIRA-to-LIF conversion and eligible Ontario unlocking assumptions, and see how the strategy feeds the retirement runway.
Test your retirement plan against 8 historical crash sequences — 2008 GFC, dot-com bust, 1970s stagflation, COVID, 2022 rate shock, the Lost Decade, and more. See exactly which scenarios your plan survives.
Drag and reorder your withdrawal sequence across Non-Reg, Corp, LIF, RRIF, RRSP, and TFSA. Compare tax drag across different strategies and see the impact on your live runway.
Plan as a household with combined accounts, separate CPP/QPP and OAS timing for each spouse, pension-income-splitting estimates, optional CPP/QPP sharing assumptions, and blended benefit income. Includes spouse snapshot history, a dedicated spouse accounts chart, and separate benefit optimization without replacing the personal or corporate history.
Track multiple properties with individual growth rates, ownership percentages, rental income, and planned sale ages. Model your mortgage payoff timeline alongside your FIRE plan, including a planned earlier payoff date after a future lump sum. Choose how much freed cash flow redirects into investments after payoff; the redirect begins on the selected payoff date and normally ends at retirement, when employment income stops. Lump sums reduce the mortgage without being double-counted as investments.
Track corporate cash, investments, book value, and whether corporate assets count toward FI or net worth. Compare simple and detailed extraction estimates using CDA, RDTOH, tax-free repayments, investment-income tax, and refundable tax assumptions, then set a wind-down objective and target closure age.
Named profiles are independent plans with their own data. Decision Centre scenarios are saved comparison bookmarks inside the active plan: review retirement timing, benefits, corporate wind-down, spending, and account choices, then apply a beneficial scenario to update the authoritative setting before rerunning projections.
Plan Health reviews missing, uncertain, or conflicting assumptions and links back to the setting that resolves each item. Planner Notes convert findings into practical follow-ups, while the retirement ledger expands every year into income, spending, tax, withdrawal sources, milestone events, and ending balances.
Schedule one-time income or expense events at specific ages — an inheritance, home purchase, business sale, or sabbatical. Review, edit, or remove future events from the Plan workspace. Each change feeds directly into the accumulation projection and retirement runway so the full picture stays current.
Generate a compressed URL that encodes your full scenario — share your plan with a spouse, advisor, or compare scenarios on different devices. No account or server required; everything is embedded directly in the link.
Track your progress through key wealth milestones — $100K, $250K, $500K, $1M, and $2M. See which milestones you've achieved (with the date you first crossed them), which is next, and what's ahead. Generate a comprehensive annual review PDF showing your year-over-year progress, FI ratio movement, milestones achieved, and full snapshot history with color-coded deltas.
Model your equity allocation through the sequence-of-returns danger zone around your FIRE date. Six interactive sliders control your pre-FIRE equity %, trough equity %, post-FIRE target %, and timing (years before FIRE to start declining, years at trough, years to recover). The chart updates live with a FIRE date marker to visualize your glide path.
Calculate your exact TFSA contribution room based on your birth year — shows cumulative room since 2009 (or age 18), with inputs for lifetime contributions and withdrawals re-added in prior years. Live over-contribution warnings included. RRSP room tracker shows remaining contribution room and how many years of current contributions it can absorb.
Track Home Buyers' Plan (HBP) and Lifelong Learning Plan (LLP) withdrawals and repayment schedules. Enter your withdrawal amount and year — the app auto-computes the full repayment schedule, shows balance owing, annual minimum repayment, and whether this year's payment is still due. Models the standard CRA repayment schedules used by the planner.
Inspect projected account balances, annual contributions, mortgage-payment redirects, cash/HISA/GIC return assumptions, and growth year by year. Switch among 5-, 10-, 15-, 20-, and 30-year horizons to see whether a near-term shift remains meaningful over the full accumulation plan.
Educational overlay in the Monte Carlo tab explains why the sequence of returns matters for retirement success. Shows two hypothetical retirees with identical average returns but reversed order of good/bad years, side-by-side with an inline SVG chart. Illustrates how unlucky timing can cause a ~41% worse outcome even with the same long-term average return.
Enable local notifications in the mobile app to receive a monthly reminder on the 15th at 9am to log your net worth. Uses native push notifications — no server required. Not shown in browser (web users see nothing). Helps maintain consistent tracking habits without relying on manual discipline.
Every chart is interactive with hover and touch support. Expand any chart to full-screen. All built with no chart library — just precise SVG.
American FIRE calculators are built around 401(k)s, IRAs, and Social Security. Canadian retirement math is fundamentally different — and using the wrong tool leads to real planning errors.
When you factor in CPP/QPP timing, OAS recovery-tax thresholds, RRIF minimum withdrawal schedules, and LIRA conversion rules — the details matter enormously. FireCA models them from published Canadian factors and planning assumptions that remain visible and editable.
FireCA stores your balances, assumptions, and plan results in your browser or on your phone—not in a FireCA plan database. Basic site analytics and advertising may process technical browsing data, but they do not receive your saved financial values.
Your balances, assumptions, scenarios, and projection results stay in local app storage.
Start using FireCA immediately. No sign-up, no email, no profile.
Export all your data as JSON anytime. Your numbers, fully portable.
FireCA is designed to avoid collecting or hosting your saved financial plan.
Use FireCA free in your browser today. The iOS app is now available, and Android is coming soon. There is currently no subscription.
FireCA currently provides full launch access on web and iOS with no account required.
Your finances are bigger than one dashboard. FireCA, Cashflow Pilot, and Dividend Pilot each stay focused on the job they do best — so you can understand your money today, understand what your investments are doing, and turn that picture into a retirement plan.
See what you own, what it is worth, where your investment income comes from, and what is coming next — across accounts, currencies, stocks, and ETFs.
Turn bank and credit-card statement exports into a living financial picture. Understand spending, income, bills, budgets, future cash needs, net worth, and portfolio context.
Turn your financial picture and retirement assumptions into a Canada-specific FIRE plan — from FI targets and retirement timing to benefits, taxes, stress tests, and drawdown strategy.
Each app is useful on its own. Together, they cover the path from what is happening with your money now to the long-term decisions that determine when you can retire.
Cashflow Pilot can establish your real-world spending picture so FireCA can use better monthly and annual expense assumptions when planning financial independence.
Dividend Pilot stays the detailed investment engine while Cashflow Pilot can show portfolio-level context beside cash, debts, spending, and net worth.
FireCA turns balances, spending assumptions, income sources, and retirement choices into FI targets, tax-aware drawdown scenarios, and long-term stress tests.
Independent today. Designed for deeper integration. Each app keeps its own data and can be used on its own. The connections above describe how the tools complement each other; automatic cross-app syncing will only be described when those integrations are actually available.
In-depth guides on every aspect of Canadian retirement planning — from FIRE basics to CPP timing, OAS clawback, and account strategy.
Currently free, local-first, and built for Canada. No account needed — just open it and start planning.