Build a clear Canadian retirement plan and see what your savings, income and retirement timing can support.
Use the email and password you created for your account.
Create your secure account. Your plan will continue to save locally and will also sync to your private cloud record.
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Open a plan to continue planning, or create another.
Reports you generate are saved here as snapshots, even if your plan changes later.
Tell us who this retirement plan should include.
Enter your target after-tax monthly retirement spending and planned retirement ages.
Start with savings, then add income for each person. Harbour North will coordinate the timing year by year.
WCB payments, rental income, side gigs, annuities and other temporary or ongoing income.
Rental income, side gigs, annuities and other temporary or ongoing income.
Calculating your highest-priority opportunities…
Refresh account balances and benefit estimates after annual statements arrive, or whenever your circumstances change.
Open only the detail you want to investigate. Every section below comes from your current plan projection.
Follow the verified projected investment balance from retirement through your planning horizon. All values are shown in today's dollars.
See how employment, pensions, government benefits, other income and savings withdrawals change through retirement. All values are shown in today's dollars.
Harbour North ranks actions by their likely effect on supported spending, tax flexibility and early-retirement risk. They are planning prompts, not personal financial advice.
Finding a workable adjustment…
Your original plan has not changed yet.
These changes apply only to this comparison until you apply them.
Your current savings, income and spending assumptions continue to support the retirement goal you entered.
No urgent change is required based on the information currently entered.
Review again after a meaningful life or financial change.
Download a portable copy of your current retirement plan.
Restore a previously exported Harbour North plan.
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Changes save automatically in this browser, even when cloud sync is unavailable.
Clear the current plan from this browser and return to the welcome screen.
Reveal the internal validation console for this browser. This does not change the financial engine or your saved plan.
A lightweight runtime fingerprint of the loaded engine and adapter interfaces. It detects missing or unexpectedly changed integration surfaces; it is not a cryptographic audit of external script files.
Inspect the exact annual records returned by the loaded engine. Selecting a year reveals every field exposed by that record.
| Year | Age | Start | Income breakdown | Tax | Withdrawals | Spending | End |
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Runs fixed test plans against the loaded RC3-B2 adapter. These tests check deterministic output, income inclusion, household isolation, horizon handling and extreme-but-valid inputs.
| Test | Expected behaviour | Observed | Status |
|---|---|---|---|
| Run the suite to generate results. | |||
These are invariant and regression tests around the verified engine interface. Fixed dollar-output snapshots will be added only after each reference case has been independently reviewed and approved.
| Check | Expected | Observed | Status |
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