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RetireePlan

joeregnier.github.io

Free plan WebWindowsmacOSLinuxAPISelf-hosted
Visit joeregnier.github.io
Spec score 7.8 #14 of 26 in Retirement Planning Software

What it is

RetireePlan is a free, self-hosted retirement planning app built for Canadians to model finances, compare scenarios, and examine tax outcomes. Its deterministic engine projects income, expenses, account growth, withdrawals, and taxes year by year; Monte Carlo runs use 1,000 trials and can apply normal, log-normal, or historical-bootstrap returns. Canadian tax modeling covers federal and provincial brackets, CPP/QPP, EI, OAS/GIS clawback, pension splitting, and RRIF minimums. A rule-based engine ranks recommendations and assigns dollar values, including possible RRSP meltdown opportunities, OAS clawback avoidance, and TFSA use. Users can model rental properties, principal-residence exemptions, probate, and beneficiary designations, and compare named scenarios. RetireePlan can import YNAB categories and transactions, and its context-aware AI assistant can use local Ollama or GitHub Copilot. It runs on the web or through desktop installers for macOS, Windows, and Linux; Docker containers support self-hosting. Reports export to multi-scenario PDF or annual CSV. The maker says users can run it on their own hardware without sharing data. It is a modeling tool, not financial advice, and tax figures are illustrative.

Spec sheet

Purpose
RetireePlan is a self-hosted Canadian retirement planning app for modeling finances, running simulations, and optimizing taxes.Read 4 Oct 2026 · joeregnier.github.io
Intended users
The maker presents it as a tool for individual investors and says it is built for Canadians.Read 4 Oct 2026 · github.com
License
RetireePlan is released under the MIT License.Read 4 Oct 2026 · github.com
AI integrations
The context-aware AI assistant can use local Ollama or GitHub Copilot.Read 4 Oct 2026 · joeregnier.github.io
Automated insights
A rule-based engine provides ranked, dollar-quantified recommendations including RRSP meltdown opportunities, OAS clawback avoidance, and TFSA utilization.Read 4 Oct 2026 · joeregnier.github.io
Canadian tax features
The tax engine covers federal and provincial brackets, CPP/QPP, EI, OAS/GIS clawback, pension splitting, and RRIF minimums.Read 4 Oct 2026 · joeregnier.github.io
Cash-flow projections
Its deterministic engine tracks income, expenses, account growth, withdrawals, and taxes year by year.Read 4 Oct 2026 · joeregnier.github.io
Data privacy
The maker describes RetireePlan as privacy-first and says users can run it on their own hardware without sharing their data.Read 4 Oct 2026 · joeregnier.github.io
Desktop and self-hosting
Desktop installers are offered for macOS, Windows, and Linux, and the project also provides self-hosted Docker containers.Read 4 Oct 2026 · github.com
Exports
The app supports multi-scenario PDF reports and CSV exports with one row per year.Read 4 Oct 2026 · github.com
Limitations
The maker states that RetireePlan is a planning and modelling tool, not financial advice, and that tax calculations are illustrative.Read 4 Oct 2026 · github.com
Scenarios and estate planning
Users can compare named what-if scenarios and model rental properties, principal-residence exemptions, probate, and beneficiary designations.Read 4 Oct 2026 · joeregnier.github.io
Simulations
It offers 1,000-trial Monte Carlo simulations using normal, log-normal, or historical-bootstrap returns.Read 4 Oct 2026 · joeregnier.github.io
YNAB integration
The app can import YNAB spending categories and transaction data to inform projections.Read 4 Oct 2026 · github.com

Plans and prices

Free Free Free forever · open source Read 4 Oct 2026 · joeregnier.github.io

Every RetireePlan plan and price →

Strong points and limits

Strong points

  • Projects income, expenses, withdrawals, and taxes annually
  • Runs 1,000-trial Monte Carlo simulations
  • Models Canadian federal and provincial tax features
  • Exports scenario reports as PDF and annual CSV

Limits

  • Tax calculations are illustrative
  • It is not financial advice

Who it suits

It is aimed at individual investors planning retirement in Canada, especially those who want to compare scenarios and model Canadian taxes. It also suits people who want to host the app on their own hardware.

Verdict

RetireePlan provides detailed Canadian retirement and tax modeling, with scenario tools and self-hosting options. Treat its tax results as illustrative rather than advice.

Where Specifiction places it

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