Experiment with scenarios
Retiring two years earlier? Spending an extra five hundred a month? Leaving less behind than you planned? Find out what's feasible with Scenario Lab.
Get started today.
What you are offered when the plan finishes with more than it needs.
Drag a slider and the plan recalculates
Adjust your household spending, retirement age, or the amount you want to leave behind. Scenario Lab will automatically recalculate against the change and show you the result before you apply it, so you can find the edge of what your plan supports instead of guessing where it is.
Save versions instead of overwriting them
Retire at 60 and retire at 65 can both exist as saved plans rather than one plan you keep editing. Duplicate a plan, change a single input, and keep both.
Apply a fix without re-entering anything
When a plan comes up short you get specific moves, each sized to close the gap: spend this much less, retire this many years later, or lower the legacy goal to this. When the plan already works you get the opposite, showing how much further it would stretch. Apply one or apply the lot, and the projection rebuilds around it.
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 $59 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
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 $59 annually, refundable for 14 days. 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 $59 annually, refundable for 14 days. Cancel anytime.