OUR STORY

We're Jonathan and Nick, two Canadian engineers who believe that everyone deserves a clear, honest retirement plan, regardless of how much money they have or how much they know about finance.

The idea for FI Plan started as a personal project. We were trying to plan our own retirements and hit the same walls that millions of Canadians hit every day. The math is hard. The jargon is overwhelming. Hiring a professional planner costs thousands of dollars. And the free tools we found were either too simplistic to be useful or too complicated to be approachable.

So we asked a simple question: Why isn't there a free tool that gives any Canadian a professional retirement plan in 10 minutes or less?

We couldn't find one. So we started building it.

Jonathan leads the business side of FI Plan, with a strong personal interest in retirement planning and a focus on making it simpler and more accessible. Nick leads the technical side and built the FI Plan codebase from the ground up. We're not financial advisors. We're engineers developing a practical tool to help people make better decisions about their retirement.

Retirement planning should be free. The real barrier has never been that retirement planning is too hard to solve. It is that the system has made professional planning expensive, intimidating, and hard to access. Much of the technical work behind creating a solid retirement plan is already understood. What has been missing is a way to deliver that plan in a way that feels simple, approachable, and available to ordinary people. FI Plan exists to break down that barrier.

Retirement planning should be honest. We don't sell investment products. We don't earn commissions. We have no financial incentive to steer you in any direction. FI Plan exists to give you clarity and confidence about your financial future.

Retirement planning should be transparent. Every assumption that our retirement planning model makes is documented. Every number in your plan can be traced back to a specific calculation. If you want to know exactly how the model works, what it simplifies, and what it doesn't do yet, we publish all of that openly. See how the model works →

Retirement planning should be for everyone. Whether you're 25 and just starting to save, 55 and approaching retirement, or already retired and want to see how long your money will last, FI Plan is designed for Canadians of all ages and all levels of financial knowledge.

FI Plan is a work in progress, and we're building it in the open. If you have ideas, questions, or just want to say hello, we'd love to hear from you.

We're currently preparing to launch an open beta of the core retirement planner so we can gather real user feedback and make the tool as good as it can be. During the beta, the full planning experience will be available for free.

After that, we plan to introduce a Premium tier that adds convenience features like saving your plans to a secure account and comparing more scenarios. The full planning experience itself will remain free.

Looking further ahead, one of the things we're most excited about is giving users the ability to connect directly with advice-only financial planners. These are Certified Financial Planners (CFPs) who can meet with you, review your plan together, answer your questions, and give you the confidence to execute on your retirement plan. Their compensation comes directly from providing you with sound advice, not from selling you investment products. Their incentives are aligned with helping you, and only you.