3. Subscription Plans#

Retirement Planner is available in three subscription tiers. You can view your current plan and upgrade at any time from the Subscription section of the application.

Features that require a higher tier are marked with a symbol wherever they appear in the app:

• ⭐ — requires a Pro or Advisor subscription
• 💎 — requires an Advisor subscription

Free trial. Every plan includes a 7-day free trial. The trial is available once per Apple ID across the whole app — if you start a trial on one plan, moving to a different plan later will not start a second trial. You are not charged until the trial ends, and you can cancel at any time before then from System Settings → [Your Name] → Subscriptions.

3.1 Personal#

The Personal plan is designed for individuals planning their own retirement. It includes the core retirement projection features — income modelling, Canadian tax calculations, and the full income chart and table — with no time limit.

• 1 client and 1 strategy
• Full access to all 11 income source tabs (CPP, OAS, GIS, Pension/Annuity, RRSP/RRIF, TFSA, Business, Investments, Real Estate, Debt, AI)
• Income chart with all five chart types
• Year-by-year income table

Best for: Individuals planning their own retirement who want to model a single scenario for themselves.

3.2 Pro ⭐#

The Pro plan unlocks advanced planning features that go beyond a single-person scenario. It is well-suited for individuals who want deeper analysis, or for couples who want to model and optimize their retirement together.

Everything in Personal, plus:

• Up to 2 clients — enough to model both partners in a couple
• Up to 3 strategies per client
• Side-by-side strategy comparison — overlay a second strategy on the chart and table
• Household mode — combine two linked clients’ projections into a single combined view
• Pension income splitting — automatically optimize the split of eligible pension income between spouses to minimize combined tax
• Automated withdrawal adjustment — Align Income to Budget, Drain Net Worth by End, and Optimize Withdrawal Sequence
• AI Withdrawal Strategy — AI-generated withdrawal sequence (requires your own AI provider API key)
• Stress Test — Monte Carlo simulation to assess plan resilience under uncertain market conditions
• Client PDF reports

Best for: Couples or individuals who want to stress-test their plan and explore multiple scenarios.

3.3 Advisor 💎#

The Advisor plan is built for financial advisors and planners who work with multiple clients. It removes all limits on clients and strategies, making it practical to manage an entire client book within the application.

Everything in Pro, plus:

• Unlimited clients and unlimited strategies per client
• Custom data file location — store the client data file in a folder of your choosing, such as a shared or synced drive
• Suitable for professional use with multiple client relationships

Best for: Financial advisors, planners, and wealth management professionals.

3.4 Feature Comparison#

3.5 Upgrading Your Plan#

To upgrade, open the Subscription panel from the application menu or from a ⭐ or 💎 feature prompt. The paywall shows all three plans side by side so you can compare and select. Subscriptions are managed through your Apple ID via the Mac App Store — you can upgrade, downgrade, or cancel at any time from System Settings → [Your Name] → Subscriptions.

Because all three plans belong to a single subscription group, only one can be active at a time. Upgrading (for example, Personal to Advisor) takes effect immediately and the App Store credits the unused portion of your current plan; downgrading takes effect at the end of the period you have already paid for.