How projections work.
Your plan projects annual Canadian cash flow from the household information, account balances, pensions, spending and assumptions you supply. It is an estimate of possible outcomes.
One saved calculation
The browser and connected applications use the same calculation engine. Each saved run records its scenario revision, engine version and rates version. Reports keep that run even when the plan changes later.
Inputs and timing
Amounts are annual Canadian dollars unless a field says otherwise. Ages generally use December 31. Government pension start dates and modeled GIS and Allowance payments use the timing described in the saved assumptions. Future returns, inflation and future tax indexing are planning assumptions. Income and expenses follow the start ages, end ages and indexing you enter.
Tax and benefit coverage
New plans use reviewed Canadian rules based on 2026 rates. This is a planning model rather than a tax return. Available controls include personal and corporate investments, registered accounts, pensions, property and debt, RESP education, insurance illustration values and charitable gifts. Eligibility-dependent benefits need the confirmations and histories requested in Inputs.
Coverage checks are still being completed before public release. The assumptions attached to every run identify calculation conventions, unclaimed eligibility-dependent amounts and remaining limitations. A case that relies on an unsupported rule needs further review before using its figures.
Alternatives and uncertainty
Scenario comparisons show the effect of the changes you saved. Spending and withdrawal analyses search the tested candidates. Monte Carlo uses a seeded model of uncertain returns; its probabilities describe that model and do not guarantee an outcome.
Before relying on a plan
Confirm balances, cost bases, contribution room and pension amounts against current statements. Review the saved assumptions and annual details. Forecasts can change with investment returns, tax rules and household circumstances. An advisor can help assess decisions based on your complete situation.