Roadmap
What we’re building next. User feedback drives this list, so if something is missing, let us know. Features that have shipped move to the release notes.
Coming Soon
Decision tools inside your full plan
The buy vs rent calculator and pension offer comparison let you explore each decision independently. A future step will map those alternatives into full retirement scenarios, including funding accounts and household taxes.
Smarter Phase Detection
The Retirement tab will adapt to whether you’re saving or drawing down, so the relevant metrics and charts come first.
On the Horizon
Asset Allocation Glide Path
Model a stocks-to-bonds shift over time (e.g., 80/20 at 55 → 50/50 at 75). Instead of flat return percentages, returns change each year based on your target allocation, which makes Monte Carlo simulations more realistic.
Wealthica Integration
Auto-import investment balances from 150+ Canadian institutions.
Snowbird and Cross-Border Planning
Accounts in more than one currency are supported today. Next is modeling snowbird scenarios, such as splitting the year between Canada and the US, with the tax and residency rules that go with them.
Category-Aware Inflation
Healthcare already has its own inflation rate. Next is a separate rate for any budget category, such as housing at 3.5% and food at 3%.
UK & Australia
ISA/SIPP/State Pension (UK) and Superannuation (Australia). The strategy system already supports pluggable country modules.
Exploring
These ideas need more design work before we commit:
- Annuity Comparison: should you convert part of your portfolio to a guaranteed income stream? Model the trade-off between longevity insurance and investment upside.
- Tax-Loss Harvesting: model deliberate loss realization in taxable accounts to offset capital gains, with wash-sale rule tracking.
- Corporate Investment Accounts: RDTOH/CDA rules for Canadian business owners.