Plan your household's retirement — every account, every dollar, every scenario.
Horizon 360 models RRSP, TFSA, FHSA, RRIF, LIRA/LIF and corporate dividends together — so couples can see their whole financial future in one place.
Built for the way Canadian households actually retire
Everything in one plan
RRSPs, TFSAs, FHSAs, RRIFs, pensions, real estate and business income — modelled side by side for both partners.
Tax-aware projections
See the tax impact of every withdrawal and find a more efficient order to draw down your accounts.
Built for two
Plan as a household, not a spreadsheet of one. Coordinate CPP/OAS timing and income splitting between partners.
From numbers to a clear plan in minutes
Enter your household
Add both partners, your accounts, income, expenses and assets — guided, no jargon.
Model your scenarios
Adjust retirement ages, spending and withdrawal order, and watch projections update instantly.
See your horizon
Get a year-by-year picture of income, taxes and net worth through retirement.
Your financial data never leaves your device
Everything you enter — household details, balances, business figures, net worth and projections — is stored only in your browser, on your device. We never receive, store, or have access to it.
- Stored locally in your browser
- Never transmitted to our servers
- Export and back up your plan anytime
- Free to begin
“For the first time we could see both our retirements as one plan — and exactly what our taxes would look like each year.”
“As an incorporated dentist, balancing salary and dividends used to be guesswork. Horizon 360 showed me the trade-offs in a few minutes.”
“What sold me is that none of our numbers ever leave my laptop. It’s the only planning tool I actually trust with our finances.”
“It found a withdrawal order that saves us thousands in tax over retirement. I only wish we’d had this ten years ago.”