Beaver FP
No in-app products collected for this app.
| Rating | |||
|---|---|---|---|
| Canada | 100%2 | 5.00 | |
| United States | <1%0 | — |
Description
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