WisePlan Wealth

WisePlan Wealth helps you see exactly where your retirement stands—and what to improve next.

Built for DIY retirees and professionals who want serious projections without spreadsheets, WisePlan Wealth stress-tests your plan against nearly 100 years of real market history. Model Canada or the United States, plan as an individual or couple, and explore how spending, taxes, government benefits, pensions, and withdrawal order affect your runway, resilience, and legacy.

FREE TO START — STANDARD PLAN
Download free and run a full retirement projection with no account required:
• Interactive dashboard with six key metrics: Retirement %, Market Resilience %, Retirement Years, PV Funded %, Net Legacy, and (Canada) Lifetime OAS Clawback
• Monte Carlo stress-testing using thousands of simulations drawn from historical crash sequences—1929, 1987, 2000, 2008, and more
• Benefit start-date optimization on default CPP/OAS or Social Security amounts
• Basic withdrawal and spending modelling
• One retirement profile
• All calculations run on your device—your data stays private

HOME — BUILD YOUR PLAN
Enter basic information, assets, allocation, income, spending, and more:
• RRSP/401(k), TFSA/Roth IRA, taxable/non-registered, crypto, GICs, savings, and property
• Government benefits: CPP, QPP, OAS (Canada) or Social Security (USA)
• Corporate pensions and other income streams (part-time work, rental, annuities)
• Portfolio types with return and volatility assumptions
• Year-by-year tax engine with marginal federal and provincial/state tax, age credits, OAS clawback, deemed disposition, capital gains, and estate modelling

OPTIMIZE — STRENGTHEN YOUR PLAN
Use the Optimize tab to test what-if scenarios and improve outcomes:
• CPP/OAS or Social Security start-date optimization
• Withdrawal strategy comparison—draw order across registered, tax-free, and taxable accounts
• RRIF/RRSP minimums, TFSA/Roth preservation, and capital-gains-aware taxable draws
• Spending phase planning (Go-Go, Slow-Go, No-Go) and legacy goals
• Downsizing and home-equity scenarios

PREMIUM — FULL PLANNING TOOLKIT
Upgrade to Premium to customize the details that matter most:
• Personalize CPP, OAS, and Social Security amounts and start dates
• Add pensions and additional income streams
• Custom portfolio types beyond the free Balanced preset
• Detailed asset entry with individual stock, ETF, and crypto holdings
• Update share prices and track a custom portfolio rollup
• Proportional withdrawal strategy
• Export professional PDF and CSV reports for your records or advisor meetings
• Save up to 2 retirement profiles

PRO — ADVANCED OPTIMIZERS & TEAMS
Upgrade to Pro for power users and advisors:
• Everything in Premium, plus Master Optimizer and Tax Strategy Optimizer
• Dynamic and Bracket Adaptive withdrawal strategies
• Import client profiles and share .wpwprofile plans across devices or teams
• Unlimited retirement profiles
• All built-in portfolio types plus custom investment types you create yourself

PRIVATE BY DESIGN
No sign-in required. Your inputs and projections stay on your device. WisePlan Wealth is a planning tool—not financial, tax, investment, legal, or accounting advice. Projections are estimates based on your assumptions; actual results will differ. Consult a qualified professional before making decisions.

SUBSCRIPTIONS
Premium (quarterly or annual) and Pro (annual) are optional auto-renewing subscriptions. Payment is charged to your Google Play account at confirmation of purchase. Subscriptions renew unless cancelled at least 24 hours before the end of the current period. Manage or cancel anytime in Google Play subscription settings. Free Standard features remain available without subscribing.

Start planning with confidence today.