Pricing · Three plans in CAD

Pay for the work it saves you.

A fee-only CFP review costs $3,000 – $10,000. Plus is $144 / yr.

One avoided OAS-clawback year pays for roughly six years of Plus. The math is on the comparison page.

Section 04 · Pricing

Honest pricing, in CAD.

Reader is for reading. Plus is for planning. Household is for two. Cancel in one click.

Tier

Reader free

CAD · forever

A reading-room subscription. One scenario, the Planner only, no exports.

One base-case scenario, read-only
Planner agent only (1 of 9)
5 AI dispatches / month · 50 lifetime
No Monte Carlo, no PDF export
Import 3 statements, lifetime

Open the books

Most chosen

Tier

Household subscription

$18

CAD / month · $144 / yr

You and your partner: unlimited scenarios, Frankie for both of you, joint planning.

Unlimited scenarios + What-Ifs
All 9 agents, unlimited dispatches (fair-use)
Two profiles, pension splitting + survivor math
Sequence-of-returns Monte Carlo, OAS / CPP runs
Advisor-ready PDF export

Start 14-day trial

Tier

Professional for advisors

$99

CAD / month · $990 / yr · per seat

For tax professionals and advisors: plan for every client from one workspace.

Everything in Household
Unlimited client workspaces
Per-client plans, projections + exports
Client roster + notes
CRA-native math your clients can trust

Start 14-day trial

Annual plans refunded pro-rated within 30 days · No card required on Reader signup

What's in the box.

Row-by-row comparison of the three tiers. Same Frankie, different envelopes around it.

What you get	Reader	Household	Professional
Scenarios	1 base case	Unlimited	Unlimited · joint
AI dispatches per month	5	Unlimited (fair-use)	Unlimited (fair-use)
Lifetime dispatch cap	50	None	None
Profiles	1	1	2
Frankie, your AI advisor (every calculator)	✓	✓	✓
Standalone calculators	✓	✓	✓
Plus-tier calculators (retirement, Monte Carlo, drawdown)	·	✓	✓
CPP / OAS timing optimisation	·	✓	✓
Sequence-of-returns Monte Carlo	·	✓	✓
RRIF + LIF withdrawal schedules	·	✓	✓
Statement imports (lifetime)	3	Unlimited	Unlimited × 2
Pension income splitting	·	·	✓
Survivor + spousal modelling	·	·	✓
Estate hand-off planner	·	·	✓
Advisor-ready PDF + CSV export	·	PDF	PDF + CSV
Priority desk (email response)	·	✓	✓

Billing questions.

Anything not covered? Email support@investwiseway.ca, a human writes back.

Do you charge anything to start?

No. Reader is free forever with no card required at signup. Household and Professional start a 14-day trial; you add a card only when the trial begins.

What happens when I hit the Reader cap?

Reader is capped at 5 AI dispatches per month and 50 over the lifetime of your account. When you hit either, the in-app banner shows the upgrade link. Your scenario + ledger remain readable; only the AI dispatches stop.

Can I cancel?

One click in Settings. Monthly plans cancel at the next billing date. Annual plans pro-rate within 30 days; after that, the remaining term runs to renewal.

Annual or monthly?

Annual saves about 33% on Household ($144 vs $216). Same dashboard, same Frankie, same exports, just billed less often. Switch at any renewal cycle.

Refund policy?

Annual plans refunded pro-rated within 30 days of purchase. Monthly plans aren't refunded, you simply don't renew. Email support@investwiseway.ca if something went wrong.

GST / HST?

Canadian sales tax applies based on your province. Receipt shows the breakdown. We do not charge tax-exempt buyers (NPO + registered charity); send your exemption number to support.

Plans for advisors / tax professionals?

Professional ($99/mo per seat) gives advisors and tax pros unlimited client workspaces: a separate plan, projections, and exports for every client. Household covers you and your partner in one ledger with pension splitting + survivor math.

What payment methods?

Visa, Mastercard, Amex via Stripe. Interac and PayPal coming soon. We do not accept crypto.

What if I just want the calculators?

Every calculator has a free preview, enter your numbers and see the headline answer with no signup. The full breakdown, break-even math, Monte Carlo, sensitivity tables, and exports are part of Household.