Retirement planning

on your terms

About

Retirement planning in Canada is broken. FI Plan is here to fix it.

FI Plan is a free, professional-grade tool that helps you build your retirement plan—without the complexity or the cost of traditional financial planning services. Just answer a few simple questions about your savings, lifestyle, and goals. FI Plan will instantly show you:

  1. 1. How much you'll need to retire, and
  2. 2. How much to save each month to get there.

It's built for real life—factoring in CPP, OAS, taxes, inflation, investment returns, and more. Test unlimited "what-if" scenarios until you find a plan that fits. No sign-ups. No credit cards. No sales pitches. Just insight, clarity, and the confidence to retire on your terms. Try FI Plan today—the future of retirement planning is here, and it's free.

Ready to take control of your retirement?

Join thousands of Canadians planning their path to financial independence.

FI Plan Pricing

Start free and upgrade when you're ready for expert guidance and premium features.

Free

CAD $0

Always free, forever

Core Features:

Unlimited Retirement Calculations

Create as many retirement scenarios as you want

No Account Required

Start planning immediately, no sign-up needed

Detailed Projections

See your savings growth over time with charts

Web Browser Access

Plan your retirement from any device with internet access

No registration required • Start immediately

Coming Soon

Premium

$$

Annual subscription

Everything in Free, plus:

Save, sync, and revisit your plans anytime

Store and access your retirement plans from anywhere

Export a professional retirement plan as a PDF

Create beautiful reports with step-by-step advice

Download your plan data as a CSV for deeper analysis

Access all your financial data for spreadsheet analysis

30-day money-back guarantee

Risk-free trial with full refund option

Be notified when Premium launches

Coming Soon

Genius

$$$

Annual subscription

Everything in Premium, plus:

Meet with a retirement expert

1-hour session with a CFP to review your results and ask questions

Priority CFP booking within 24 hours

Fast-track access to financial planning expertise

Be notified when Genius launches

Get In Touch

Have questions about FI Plan? We'd love to hear from you.

Frequently Asked Questions

FI Plan is a free retirement planning tool designed for Canadians. It helps determine how much you need to save per month to retire at your desired age and how your savings will grow over time. You'll receive personalized retirement savings projections based on your financial situation.

Yes! FI Plan is 100% free—you can use it immediately without any cost. You don't need to create an account, provide an email, or enter credit card information.

Yes. FI Plan is designed specifically for Canadian retirement planning. It considers Canadian financial factors like CPP and OAS, making it more relevant than tools designed for other countries.

Absolutely! FI Plan is proudly Canadian-owned and operated—built by Canadians, for Canadians.

Financial Independence (FI) is when you have enough financial resources to cover all living expenses without having to depend on work to earn money for the rest of your life. It's about having the freedom to choose how you spend your time, whether that's early retirement, pursuing passions, or simply having peace of mind.

FI Plan is quick and easy. It can take less than 10 minutes to get your results.

  1. Start by clicking here to navigate to the app.
  2. If prompted, enter your access code.
  3. Click the "Let's Get Started" button.
  4. Accept all the terms and disclaimers.
  5. Answer all the questions in the questionnaire. If a question is confusing or you don't know the answer, just skip it for now. You can go back and edit your answers later.
  6. View your results! You'll learn how much you need to save per month to retire, your estimated savings at retirement, and how much money you'll have at the end of your life—plus a graph showing how your savings will grow over time.
  7. Curious how your results would change with different inputs? Just return to the questionnaire and edit your answers.

No! FI Plan doesn't require an account to use. In fact, the ability to create an account isn't available yet (keep an eye out for it in a future version of the app).

FI Plan doesn't yet support the ability to save your answers, but you can retake the questionnaire anytime to reflect new financial circumstances.

Not exactly. FI Plan doesn't produce a detailed retirement report (at least not yet). Instead, it provides actionable results, showing how much you need to save and how your investments will grow over time.

FI Plan calculates your monthly retirement savings needs based on:

  • Current retirement savings and projected investment returns
  • Desired retirement age and life expectancy
  • Desired annual expenses in retirement
  • Inflation rate and tax impact on income before and after retirement
  • Government benefits like CPP and OAS
  • Pension income, one-time expenses, inheritances, and property sales
  • Adjustments to monthly retirement contributions

Yes! Whether you want to retire at 40, 50, or 65, FI Plan shows how much you need to save to reach your goal sooner.

Yes! FI Plan includes Canada Pension Plan (CPP) and Old Age Security (OAS) in its calculations.

Yes! FI Plan helps self-employed individuals estimate their retirement savings needs, even if they don't have a traditional pension.

Yes! FI Plan adjusts projections for inflation and tax implications to ensure accurate, long-term planning.

No! FI Plan focuses on retirement savings calculations—it doesn't provide investment advice or financial management services.

Your privacy is important! Refer to our Privacy Policy and Terms of Use for details on how we handle your data.

Yes! FI Plan takes privacy seriously, taking precaution to ensure your data is secure. FI Plan will never share or sell your personal information. For more details, check out our Privacy Policy and Terms of Use.

No. The Free tier is completely free — no account or credit card required. You’ll get a full retirement plan with clear projections and personalized insights right away.


A credit card is only needed if you decide to upgrade to Premium or Genius, which add extras like downloadable PDF retirement plans, secure plan storage, and the option to meet with a Certified Financial Planner to discuss your plan.

FI Plan will automatically store your answers locally in your browser via cookies. If you clear your cookies, your answers will be lost.

Yes. FI Plan is going through beta testing. We're continually refining features to improve retirement planning for Canadians.