OpenWealth

Privacy-first Canadian planning dashboard with deterministic scenarios and portable reports.

Retirement Persona Guide§

Try a random planning persona to explore frugal or comfortable retirement assumptions.

Workspace Overview§

Guided Retirement Wizard§

Follow a structured planning flow: About You -> Savings -> Income -> Benefits -> Market Assumptions -> Results.

Current step: About You

Onboarding§

Required fields only for a first deterministic scenario run.

Guided tour focus

Family focus: keeps debt, income, and emergency planning front-and-center.

Data entry mode

Start with rough numbers now. You can refine exact values later.

About You

Household name Province Household mode Primary person Birth year Retirement target age

Selected retirement target age: 65

Retirement goal range: n/a

Life expectancy range: n/a

Savings

Starter TFSA balance

TFSA balance: $120,000

Starter retirement savings (RRSP)

Retirement savings: $80,000

Starter flexible savings

Flexible savings: $25,000

Home loan or debt balance

Debt balance: $350,000

Biggest monthly bill or debt payment

Monthly bill: $2,100

Loan interest rate

Loan interest: 4.5%

Income

Quick Estimate Check-In

Question 1 of 4

How much did you earn last month?

Your estimate

Or use natural language

Mapped estimates will update fields below in real-time.

Monthly safety check

As your biggest monthly bill rises relative to income, this bar shrinks.

Safety buffer: 60%

Current annual income

Annual income: $95,000

Benefits

Benefits and pension Expected annual workplace pension

Workplace pension: $0

Preferred CPP start age

Preferred CPP age: 65

Preferred OAS start age

Preferred OAS age: 65

Scenario Authoring§

Create variants for timing and spending assumptions.

Scenario name Retirement age

Selected retirement age: 65

CPP start age

CPP start age: 65

OAS start age

OAS start age: 65

Spending order Annual spending

Annual spending: $60,000

Projection years

Projection years: 30

Stocks growth estimate

Expected growth: 5.0%

Price increase estimate

Inflation: 2.5%

Market presets:

Expected return presets:

Inflation presets:

Run and Compare§

Select scenario

Save your progress: use the Save / Load Profile section to export a YAML file you can reload later.

Results§

Need a focused view? Open the standalone Inflation Buying-Power Meter page.

For access-speed risk, open the Liquidity Levers page.

Complexity view

Inflation Reality Check Inputs

Adjust these rates to match current market conditions and see your buying-power impact.

Cash sitting in checking/savings Checking account rate

Checking rate: 0.01%

High-yield savings rate

High-yield rate: 4.50%

Bond yield estimate

Bond yield: 3.50%

What-If Slider

Try reducing one monthly expense and see the long-term impact.

Monthly spending change

Spending change: $50 per month

Run a scenario to see what-if insights.

Comparison§

Market Trends§

Review expected growth-rate scenarios and how outcomes change across low/base/high return assumptions.

Save / Load Profile§

Your data is stored locally in this browser. Export a YAML file to keep your profile portable — reload it here anytime, on any device, or after clearing browser data.

Prompt Package§

Generate a constrained assistant prompt from deterministic scenario outputs.

Privacy warning: Do not share names, account numbers, or other personal data with external LLM tools unless you intend to disclose it.

Prompt text

Community and Contributing§

OpenWealth is a community initiative. Help improve these open tools by contributing ideas, bug reports, tests, documentation, and code.

Start here: GitHub repository | Contribution guide | Issues and feature requests