Retirement and financial scenario planner with real tax math
Household money app for Canadian couples
Stage
Not given
MVP
Founded
Not given
Not given
Based in
US
CA
Pricing model
Freemium
Free
Pricing
Free: one plan with the full engine and real tax math. Pro: $9 per month or $69 per year, includes more plans, compare two side by side, year's cash flow, Monte Carlo range, Roth conversions, and rentals.
Not given
Key features
Real tax math with federal brackets, state tax, and FICA calculated each year
401(k) and IRA rules including contribution limits and employer match
Mortgage amortization with property tax and insurance
Rental property calculations with rent, vacancy, and upkeep
Social Security adjusted for claim age
Required minimum distributions with IRS rules
Roth conversion modeling
Monte Carlo analysis with market volatility
Compare two plans side by side
Spouse planning with separate ages and Social Security claims
Net worth tracking for household and each partner
TFSA, RRSP, and FHSA contribution room tracking
CSV and PDF statement import
Automatic transaction categorization
Duplicate detection
Partner invitation and shared view
Recurring bill and income detection
Account transfer pairing
Two-factor sign-in and Face ID or passkey options
What makes it different
No bank connection required; you enter your numbers manually for complete privacy
Detailed tax math applied year by year based on actual rules and limits
One plan stays completely free forever with the full engine
Compare different life decisions and scenarios on a single chart
Export or delete your data anytime with no lock-in
Shows net worth with complete arithmetic and accounting
Canadian tax account room automatically updated
Takes about ten minutes per month
Handles complex household situations like rental suites and side businesses
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Larch