Scenario Lab+

A strong retirement starts with a plan.

Working with a traditional advisor costs thousands of dollars. We believe financial education and tools should be available for all Canadians, without the steep fees.

14,000+ Canadians planning with Loonie Nest

Scenario Lab+

Get premium access to Loonie Nest's most comprehensive retirement planning tool

Billed $59 annually, refundable for 14 days. Cancel anytime.

Everything includedIdentical on both plans. Billing changes when you pay, not what you get.

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.

Inside Scenario Lab+

Your spreadsheet got you this far.

It's time to gut-check your work. Here are five ways Scenario Lab+ will take your retirement planning to the next level.

Couples

Model your household individually or separately

Taxes are filed individually, but we build plans together. Scenario Lab+ will track a couple's separate ages, retirement dates, CPP and OAS start ages, and account balances for each of you. Pension splitting works out of the box, and helps find ways to reduce your tax bill.

See how it works

Withdrawal order

Four ways to draw down

Most calculators don't bother optimizing withdrawal order. But Scenario Lab+ supports four strategies out of the box: Bracket Smooth, Proportional, RRSP Meltdown, and Sequential. We'll show what each one leaves you with and what each one costs in lifetime tax.

See how it works

Tax detail

Your tax bill line by line

Taxes are a critical part of retirement planning. Scenario Lab+ incorporates tax estimates for CPP, OAS, employer pension, RRIF and RRSP withdrawals, capital gains, and pension income splitting, broken out for you line-by-line. Protect yourself from OAS clawback and other surprises.

Stress testing

Run the scenarios

A single average return doesn't show the whole picture. With Scenario Lab+, you can run the same plan through 1,000 randomized markets, replay it against real S&P 500 history back to 1928, or drop a crash into the first five years of retirement and find out what it will cost.

See how it works

What-if

Adjust one number, and the whole plan adapts

Drag your spending, your retirement age, or the amount you want to leave behind. The projection recalculates against it before you commit, so you can find the edge of what your plan supports instead of guessing where it is.

See how it works

Export every number

The year-by-year projection covers each account, contribution, and withdrawal. Download the whole thing as an Excel file.

Up to 10 saved scenarios

Keep retire-at-60 and retire-at-65 as separate plans, each with its own inputs, and switch between them whenever you want to look again.

2026 Canadian taxes and brackets

Federal and provincial brackets, CPP and OAS formulas, RRIF minimums, and TFSA room. Updated each tax year.