Front desk (AI) · picks a specialist for you
Frankie
Tell me your question, I will route to the right correspondent.
Your retirement, in a single chart
Scrub the slider.
See the gap.
A planned Canadian household reaches age 65 with hundreds of thousands more than an unplanned one. Same income, same RRSP / TFSA / FHSA room, different decisions. The chart below is the comparison.
Age 65With plan $1.6MWithout $744kGap $810k
Free to read · No credit card · Cancel any month
- PIPEDACompliant with Canadian privacy law
- Hosted in CanadaSupabase Canadian region
- No bank loginRead-only statement imports
- Row-level scopedYour data, never another user’s
- EducationalNot advice, not a dealer
How it actually works · Three steps
I.
Upload a statement
Drag in a PDF from any Canadian bank, broker, or pension provider.
We parse RRSP, TFSA, FHSA, RRIF, LIRA and non-registered accounts on device when possible. No bank login. No screen-scraping.
II.
Ask the bureau
Nine specialist agents, one dispatch per question. CRA-aware, plain English.
Margaret handles retirement timing. Theo handles RRSP overflow. Hilde handles FHSA windows. Aurelio handles spousal split. Each answer shows the math.
III.
Get your plan
A household balance sheet, a projection chart, and a What-If you can act on.
Export to PDF. Share with a spouse. Re-run any month as statements arrive. Cancel any time from Settings.
Your number · Two inputs, one gap
Your age, your balance. Your gap.
Modelled to age 65 · 25 years of compounding · $8,000 / yr contribution assumed
At age 65, projected balance
With a plan
$947k
Without
$542k
Gap you can close
$405k
At 40, you have 25 years left to compound before sixty-five. Each year of compounding adds roughly $16k to the gap.
Close the gap Free to read · No card · Cancel any month
Without a plan · The cost
Without us, the median Canadian household loses
$810k by 65.
Not from market crashes. Not from bad luck. From unused RRSP room, missed FHSA windows, suboptimal CPP timing, and cash sitting in 1.5% accounts. The plan closes those gaps. The lack of one keeps them open.
≈ $23k of gap opens every year you wait
What goes wrong
Default Canadian
With Invest Wise Way
Cost of skipping us
- Unused RRSP room$11,400 / yrAuto-allocated−$31k tax over 10y
- Missed FHSA window8 yrs forfeitedOpened at year 1−$8,000 deductible
- Cash drag (low-yield savings)4.1% nominal7.2% planned−3.1% / yr compounding
- CPP claim timingDefault age 65Modelled per case−$93k lifetime
- Spousal income splitNot optimisedAuto-checked−$14k / yr post-65
Modelled from CRA contribution rules + Bank of Canada inflation expectations. Educational, not advice.
The gatekeeping
Real planning is priced for the people who need it least.
In Canada, a comprehensive retirement plan from a Certified Financial Planner runs three to ten thousand dollars per engagement. Private investment counsel typically requires a million dollars in investable assets to open a relationship. The median Canadian household aged fifty-five to sixty-four has a net worth of $690,200, much of it tied up in a house.
Comprehensive plan fee
$3,000 – $10,000
One-time CFP engagement, retirement included
Fee-only hourly rate
$250 – $500 / hr
Independent CFP, Canada, 2025
Private investment counsel
$1M – $5M
Minimum investable assets, RBC PH&N typical
The result is a market where the household that most needs a coherent plan, the one still building, is also the one most often turned away. The household that already has investable assets in the seven-figure range pays for advice it could increasingly model itself.
Invest Wise Way is built on the same CRA contribution rules, the same OAS clawback math, the same RRIF minimum-withdrawal schedule a CFP would use, surfaced through nine specialist agents that answer in plain English. No minimum balance, no engagement fee, no advisor handshake.
What we charge
$18 / mo
Plus tier. CPP, OAS, RRSP, TFSA, FHSA, RRIF and LIRA modelling included. Cancel anytime from Settings.
01
The projector
Five income streams, one number you can live on.
CPP claim age, OAS clawback thresholds, RRIF minimum withdrawals, TFSA tax-free draws, and non-registered capital-gains treatment, all stacked into a single annual income figure. You move the inputs; the chart re-stacks.
02
The bureau
Ten specialists. One dispatch per question.
A front-desk router and nine domain correspondents. Ask once; the right agent answers in plain English, with the numbers worked out against current CRA thresholds.
Wealth & Investments
Avery
Claim CPP at 70. OAS clawback avoided.
Wealth & Investments
Sam
RRSP $11,400 first. TFSA overflow $6,500.
Budgeting & Cash Flow
Riley
Withdrawal sequence: non-reg, RRIF, then TFSA.
Budgeting & Cash Flow
Charlie
Spousal RRSP closes the $14k income gap.
Retirement & Projections
Jordan
60/40 with 12% Canadian equity tilt.
Retirement & Projections
Casey
TFSA successor: spouse, not estate.
Analytics
Alex
Spend categorisation surfaces $4,200 / yr slack.
Strategy
Quinn
FHSA $8k / yr unlocks 8 years of room.
Performance
Morgan
Plan completion 78%. Three items to close.
03
The calculators
Sixteen calculators. Every one tax-aware.
Mortgage payment, biweekly accelerator, safe withdrawal rate, bond ladder vs annuity, spousal RRSP split, buy-vs-lease, FHSA window. The thresholds update with CRA. Try the mortgage one here, full index at /calculators.
Mortgage · 25-year amortisation · CAD
Principal
$640,000
Rate
5.40%
Monthly
$3,892
Total interest
$527,609
Educational, not advice. Excludes property tax and CMHC premium.
The alternatives
Five paths to a retirement plan. One of them is built for you.
| What you compare on | Invest Wise Way | Fee-only CFP | Spreadsheet | Canadian SaaS | US tool |
|---|---|---|---|---|---|
| Minimum assets | None | $1M+ counsel | None | None | None |
| Setup / plan fee | $0 | $3k – $10k | $0 | $0 – $135 / mo | USD pricing |
| Ongoing cost | $18 / mo | ~1% AUM / yr | $0 | $0 – $135 / mo | USD / mo |
| CRA rules current | Yes | Yes | You update | Partial | IRS only |
| CPP / OAS modelling | Yes | Yes | You build | Limited | No |
| FHSA window logic | Yes | Yes | You build | Partial | No |
| AI agent answers | Nine agents | One human | No | No | Some (USD) |
| Bank login required | No | Variable | No | Yes (aggregator) | Yes |
| Data residency | Canada | Variable | Your file | Canada | United States |
CFP fees and counsel minimums from public Canadian sources (see Gatekeeping section). US tools include Boldin, Empower, Wealthfront. Canadian SaaS includes Wealthica and Snap Projections.
Frequently asked
Six questions, six honest answers.
- Can I cancel any time?
- Yes. From Settings, one click. Monthly subscriptions stop at the end of the current period. Annual subscriptions are pro-rated for the first thirty days, full-term after that.
- What happens to my data when I cancel?
- Your account stays in read-only Reader mode for ninety days so you can export. After ninety days, statements and chat history are deleted. You can request immediate deletion any time at privacy@investwiseway.ca.
- Is this financial advice?
- No. Invest Wise Way is an educational planning tool. We are not a registered investment dealer, IIROC member, or licensed CFP. Every dispatch shows the math so you can verify it or take it to a fiduciary.
- Where is my data stored?
- Supabase Canadian region. PIPEDA-compliant. Row-level security scopes every read to your own user ID. We do not sell data, share with advertisers, or train AI models on it.
- Do I have to connect my bank account?
- No. You upload PDF statements. We never ask for online-banking credentials and we do not use screen-scraping aggregators. Read-only imports, on device when the parse can run locally.
- How accurate is the CRA modelling?
- Thresholds for RRSP / TFSA / FHSA contribution limits, OAS clawback, RRIF minimum withdrawals, and federal tax brackets are updated each fiscal year. You can see the source values in every dispatch. Provincial overlays cover Ontario, Quebec, BC, Alberta in detail; others are baseline.
The invitation
You can close $810k of gap.
Or you can leave it open.
Free to read. Plus from $18 CAD a month. No advisor handshake, no minimum balance, no read-write bank access.
Educational guidance only. Not financial advice. We are not a registered investment dealer.