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You could both stop working in 2049.

In 2049 you’d be 61 and your partner 59. That’s the earliest year your savings last until you’re both 95 in 88 of 100 market runs.

Assumes 6% a year on retirement savings and 2.5% inflation, shown in today’s dollars. An estimate, not financial advice.

That answer is for an example couple, worked out for two people in Ontario. Tap any underlined answer to make it yours.

I’m and earn . My partner is and earns . We live in , have saved and spend a month.

$0$1M$2M$3M$4MYouPartner203042402040525020506260206072702070828020809290Both stop, 2049$1.9M$1.5M at 97Today
Middle outcome8 in 10 outcomesYour savings together, in today’s dollars
Save our plan

Free to start. Inviting your partner needs Pro, and one Pro covers you both.

What being two changes

The moves only a couple can make, ranked for your numbers. Each one is a full rerun of your plan.

  • Your partner works 2 years longer

    You stop first, and their pay carries the household before your savings take over.

    First stop 1 year sooner

    You stop in 2048, your partner in 2050.

  • You work 2 years longer

    Your partner stops first, and your pay carries the household.

    First stop 1 year sooner

    You stop in 2050, your partner in 2048.

  • Both start CPP at 70

    Two benefits, each larger for life for every year you wait. Your savings cover the years before.

    First stop 1 year sooner

    You stop in 2048, your partner in 2048.

If one of you dies

The plan above assumes you both live long lives. This is the gap the survivor would face: how much more savings they would need to stay on track, still retiring when they planned. An estimate, not advice; a licensed advisor can help you plan for it.

If you died

$675,000 more

Your partner would need about $675,000 more saved to stay on track.

If your partner died

$75,000 more

You would need about $75,000 more saved to stay on track.

Worked out the way the app’s Family tab does it: the survivor keeps their own income and retirement age, inherits the accounts and the survivor benefit, and household spending comes down. In the app it uses your real accounts.

One household in the app

Invite your partner (with Pro) and you share one budget, one set of transactions and one list of bills. You both see everything.

Each of you keeps your own bank logins, and the owner decides who can edit what: just their own accounts, or everything.

Pro covers the whole household, so one subscription is enough for both of you.

The app, with a demo household. Yours starts from your own numbers.

Planning on your own? Start with just your numbers. With Pro you can invite a partner later, and one subscription covers you both.