Beaver FP

New: Financial Insights and stress testing. Complete Canadian retirement planning with year-by-year projections and full tax calculations. Try free for 1 week.

Beaver FP is the complete retirement and financial planning app built exclusively for Canadians. Whether you're just starting to save or planning your retirement withdrawal strategy, Beaver FP gives you clear, year-by-year projections showing exactly how your finances will unfold.

NEW — Financial Insights

Your plan, examined. Ranked opportunity cards name specific improvements — CPP and OAS timing, RRSP meltdown, pension splitting, debt paydown, spousal RRSPs — each priced in your own dollars, with one-tap Apply. Plus answers to the three big questions: • How early could you retire? • How much more could you spend? • What investment return does your plan actually need?

NEW — Stress Testing

Will your plan survive a bad decade? Run 100 simulated lifetimes against market ups and downs and see the odds your money lasts — the median outcome, the most-likely zone, and realistic best and worst cases — or overlay historical events on your plan.

See Your Future in Detail

Unlike simple retirement calculators, Beaver FP runs sophisticated simulations that project every year from now through your expected longevity. See exactly when you can retire, how much you'll have, and whether your savings will last. • Year-by-year financial projections with full Canadian tax calculations • Beautiful charts showing your wealth growth over time • Interactive Sankey diagrams revealing money flow from income to investments to expenses • Detailed breakdowns with expandable sections

Canadian-Specific Features

• Full TFSA support with automatic contribution room tracking • RRSP/RIF calculations with automatic conversion at age 71 • Spousal RRSP for income splitting • FHSA tracking for first-time home buyers • DCPP and LIRA/LIF for employer pensions • CPP benefit projections (start ages 60-70) • OAS calculations with clawback modeling • GIS eligibility and benefit calculations • Provincial and federal tax for all provinces • Pension income splitting optimization

Complete Investment Management

• Multiple investment accounts with custom return rates • Automatic contribution strategies (which account to fund first) • Smart withdrawal optimization to minimize taxes • Capital gains tracking for non-registered accounts • Dividend income and reinvestment • Real estate with rental income and capital gains

Household Planning for Couples

• Separate tracking for each person • Different retirement ages and longevity • Automatic pension splitting optimization • Estate planning with asset transfers on death • Combined household view with aggregate projections

Smart Tools & Scenarios

• Goal Calculator: find your sustainable retirement spending • Change Retirement Date: one slider per person moves retirement, jobs, and benefits together — with a live dollar impact • Retirement Lifestyle: see the highest spending your plan can sustain • Adjust Retirement Savings: discover required monthly contributions • Advanced override system for modeling life changes

Professional Export

Generate polished PDF reports with an executive summary, current snapshot, detailed projections and charts, and professional formatting for advisors or personal records. Education Built In • Finance 101 module covering TFSAs, RRSPs, pensions, and more • Your Guide section with searchable help • Explanations throughout the app

Simple Pricing

• Free: try with 2 plans (read-only) • Monthly: 5 plans, full planning features, PDF export — includes a 1-week free trial • Annual: 10 plans plus Financial Insights, Stress Testing, and import/export • Lifetime: unlimited plans and every feature, forever

Every tier sees its Financial Insights opportunities and dollar figures; Annual and Lifetime unlock one-tap Apply and stress-test runs.

Built for iOS & Mac

Start Planning Your Future Today

Privacy Policy: https://beaverfp.com/privacy Terms of Service: https://beaverfp.com/terms