Optimize your drawdown strategy
Scenario Lab+ runs your plan across multiple drawdown strategies, and lets you choose the best one for your scenario.
Get started today.
One household, four strategies. The spread between the top and bottom line is what the decision is worth.
Test your plan against the top drawdown strategies
The Bracket Smooth strategy spreads your taxable income to avoid jumping a bracket. Proportional draws from every account at once. RRSP Meltdown empties registered money early to shrink the future RRIF minimum. Sequential works through one account at a time. Each runs against your real numbers.
Lifetime tax matters more than the ending balance
A strategy that leaves more in the account can still cost more in tax along the way. The cumulative view puts the running total side by side, so the cheapest plan is the one with the lowest line at the end rather than the one that looked best in year three.
Your year-end income statement
CPP, OAS, employer pension, RRIF and RRSP withdrawals, non-registered interest, and taxable capital gains, broken out line-by-line. Scenario Lab+ automatically optimizes pension income splitting to help reduce your tax bill.
How these rules work
Worth reading if you would rather understand the rules than take our word for the numbers.
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.
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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.