Retirement planning software for Canadians
Plan retirement
with
Scenario Lab+ answers your retirement questions with your own accounts and 2026 Canadian tax rules. See every year of your retirement before you pick a date.
$79 a year or $14 a month. Cancel anytime.
Pick the question on your mind.
Here is what Scenario Lab+ shows you for each one, using your own numbers.
Enter your RRSP, TFSA, pensions and spending once. Scenario Lab+ projects every year of your retirement after tax and tells you whether your savings last, and by how much.
Why pay for Scenario Lab+?
We built Loonie Nest for our family, colleagues, and friends. Not for the big banks or advertisers. Staying independent keeps us focused on our mission - making financial tools and education accessible for all Canadians.
Your subscription directly funds ongoing development of the planner, and is shaped by feedback from the 14,000+ people who've already built a plan with it.
Loonie Nest is built in Canada, for Canadians. Support 🇨🇦 businesses, workers, and products.
For every household
A plan from a financial advisor can run $3,000 or more. Scenario Lab+ gives you that same depth for $79 a year.
Privacy comes first
Free tools make money from ads, connecting to your bank accounts, or by selling your information. We just sell subscriptions.
Funded by the people who use it
Loonie Nest grows through customers, not outside investors. That keeps us focused on the planner, not someone else's growth targets.
What people are saying
I recently signed up for Scenario Lab+ and so far I'm quite satisfied. It's a great product I wouldn't hesitate to recommend to others.
The tool is well designed and I can see where it would help those looking to see if they are on track.
Just tried it out for shifts and kicks and it calculated the same earliest retirement year as my spreadsheets. Great, easy to use tool.
I tried the savings goal calculator (mid 30s here) and found it very easy and clear to understand. I'm a good saver but always been intimidated to figure out how I'm doing for retirement. This made it easy to know I'm doing just fine.
This app was pretty quick to figure things out and really easy to use. App looks polished, the colours look good and it's simple to use.
Love the UI and actionable recommendations at the end. Reminds me of Wealthsimple.
This is awesome! Love seeing more financial planning tools being made available to Canadians.
I'm president of a local union in Langley. Great website. Simple and effective. Looks like a good tool for our members.
Common questions
Your plan is one decision away.
Join 14,000+ Canadians who've stopped guessing about retirement.
Get premium access to Loonie Nest's most comprehensive retirement planning tool
Billed $79 annually. Cancel anytime.
Your household
- ✓Couples planning, two incomes in one view
- ✓Tax optimized pension income splitting
- ✓Save and revisit your plans
CPP and OAS
- ✓CPP and OAS timing strategy
- ✓OAS clawback detection
- ✓Year-by-year tax breakdown
Drawing it down
- ✓Decumulation strategy and withdrawal order
- ✓RRSP/RRIF and TFSA withdrawal modelling
- ✓Priority email support
Scenarios and output
- ✓Unlimited what-if scenarios
- ✓Export your full plan to Excel
Billed $79 annually. Cancel anytime.
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Disclaimer: These calculators provide estimates for educational purposes only and do not constitute financial advice. Results are based on current rules and simplified assumptions. Consult a qualified financial advisor for personalized planning.