FIRECA
Canadian Retirement Planner
Canada's most complete retirement planning app. Track your net worth, build your FIRE plan, and model your retirement drawdown — with real CPP, OAS, RRSP, TFSA, LIRA, and FHSA math built in.
Most tools solve one piece. FireCA connects all three phases of your financial journey — because you need to know where you are before you can plan where you're going.
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.
Every feature is available free on the web. The mobile app brings it to your phone.
Log snapshots over time with per-account breakdowns. Track RRSP, TFSA, FHSA, LIRA, Non-Reg, Cash, and Crypto separately. See contributions vs market gains at each point in time. Export a full PDF summary of your plan with one tap.
Two-phase FI calculation — Phase 1 before CPP/OAS when your portfolio funds everything, Phase 2 after benefits start. Shows exactly how much CPP and OAS reduce your required savings.
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. 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.
Year-by-year drawdown simulation with your actual account balances, drawdown order, LIF and RRIF mechanics, CPP/OAS timing, and OAS clawback. Finds your safe spending rate automatically. Real Spending mode models retirement in today’s purchasing power with a configurable inflation rate.
Compare taking CPP at 60, 65, or 70. See the exact breakeven age for each delay decision and total lifetime income to your life expectancy. Uses official Government of Canada timing factors.
Model bracket-filling RRSP withdrawals before CPP, OAS, and RRIF minimums stack up. See gross/net amounts, estimated tax saved, and how it feeds directly into your 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 and OAS timing for each spouse, and blended benefit income. Includes spouse asset tracking and separate benefit optimization.
Track multiple properties with individual growth rates, ownership percentages, rental income, and planned sale ages. Model your mortgage payoff timeline alongside your FIRE plan — after payoff, freed cash flow redirects automatically into savings or reduces retirement spending. The mortgage what-if planner lets you model extra monthly payments and one-time or recurring lump sums to see exact interest savings and months shaved off your amortization.
Create separate named profiles for different scenarios — conservative vs. aggressive, your current plan vs. a what-if, or a joint plan alongside your own. Switch instantly, copy a profile as a starting point, and keep all data fully local.
Schedule one-time income or expense events at specific ages — an inheritance, home purchase, business sale, or sabbatical. Each event feeds directly into your accumulation projection and retirement runway so the full picture is accurate.
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. Full CRA repayment rules built in.
See how your FI target number grows in nominal terms over the next 0–20 years due to inflation. Helps you understand the real size of the goal you're aiming for in future dollars. Only shown in accumulation mode so you can plan for the actual dollar amount you'll need when you reach FIRE.
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 on iOS/Android 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 timing, OAS clawback thresholds, RRIF minimum withdrawal schedules, and LIRA conversion rules — the details matter enormously. FireCA has all of them built in, based on official Government of Canada and CRA rules.
We built FireCA so we literally can't see your financial data. Everything is stored in your browser or on your phone. No accounts, no syncing, no servers.
All data stays in your browser or on your device. Never transmitted to any server.
Start using FireCA immediately. No sign-up, no email, no profile.
Export all your data as JSON anytime. Your numbers, fully portable.
Built with Canadian privacy law in mind. Nothing to hand over because we hold nothing.
Use FireCA free in your browser today. iOS and Android apps are coming with the full feature set — no stripped-down mobile version.
Mobile apps use a one-time in-app purchase model with two tiers: Tracker ($0.99) unlocks unlimited snapshots, all charts, PDF export, and full share links. FIRE'd ($2.99) includes all Tracker features plus the complete retirement drawdown engine. No subscriptions. Web version stays 100% free forever.
In-depth guides on every aspect of Canadian retirement planning — from FIRE basics to CPP timing, OAS clawback, and account strategy.
Free, private, and built for Canada. No account needed — just open it and start planning.