Scenarios: Compare Different Plans

Scenarios let you test “what if” questions without changing your base plan. Each scenario stores only its differences from the base. If you update your income or account balances on the base plan, every scenario picks up the change.

Creating a Scenario

On the Retirement tab, open Scenarios and choose New scenario. You can:

Use a Template

Pre-built templates across 5 categories (some apply only to Canada or only to the US):

Timing: Retire 5 Years Earlier, Retire 5 Years Later Spending: Lower Spending, Higher Spending, Lean FIRE, Fat FIRE, Coast FIRE, Barista FIRE Markets: Conservative Markets, Bull Markets, High Inflation Strategy: RRSP Meltdown, Roth Conversions, Delay CPP to 70, Delay OAS to 70, Take CPP at 60, Delay Social Security to 70, Take Social Security at 62 Real Estate: Downsize at 65, Sell & Rent at 65

Create Custom

Enter a name and click Create. Then change any strategy field: retirement age, spending target, withdrawal strategy, return assumptions, government benefit timing, or real estate plans.

What Scenarios Override

Scenarios store strategy fields only. Identity fields are always shared from the base plan:

If you get a raise and update your income, every scenario uses the new number.

Comparing Scenarios

The Scenarios view shows a side-by-side comparison table with:

• Key metrics for each scenario (estate, lifetime tax, depletion age, funded years)
• A collapsible Input Differences section showing exactly which fields differ
• Comparison chart overlays (dashed lines for scenarios on the projection charts)

Managing Scenarios

• Switch: Click a scenario name in the dropdown to make it active
• Edit: Change fields while a scenario is active. Changes are saved to that scenario only
• Delete: Click Manage, then the × next to a scenario (switch to the base plan first)
• Limits: Without an account or on a free account: 1 scenario. Pro: unlimited scenarios.

Scenario Ideas