Beaver FP

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.

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 hover tooltips and expandable sections

Canadian-Specific Features

Beaver FP understands Canadian finances:

• 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

Track all your accounts in one place:

• 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

Planning with a partner? Beaver FP handles it:

• 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

Make better decisions with interactive tools:

• Goal Calculator: Find your sustainable retirement spending
• Work Longer Scenario: See the impact of delaying retirement
• Savings Calculator: Discover required monthly contributions
• Financial Health Dashboard: Get personalized recommendations
• Advanced override system for modeling life changes

Professional Export

Generate polished PDF reports including:

• Executive summary with key findings
• Current financial snapshot
• Detailed projections and charts
• Implementation timeline
• Professional formatting for advisors or personal records

Education Built In

New to financial planning? We've got you:

• Finance 101 module covering TFSAs, RRSPs, pensions, and more
• Your Guide section with searchable help
• Tooltips and explanations throughout the app
• Best practices for retirement planning

Flexible Plans

• Create multiple scenarios (2-unlimited depending on tier)
• Import/export plans for backup
• Copy plans to test different strategies
• Compare side-by-side results

Simple Pricing

• Free: Try with 2 plans (read-only)
• Monthly: 5 plans, full features
• Annual: 10 plans + import/export
• Lifetime: unlimited plans + all features

All tiers include 14-day free trial to explore full features.

Built for iOS & Mac

Start Planning Your Future Today

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