FIRE & Retirement Planning Engine
Model multi-account decumulation, progressive provincial tax brackets, CPP/OAS public benefits, and sequence-of-returns risk — tailored precisely to Canadian financial reality.
Complete provincial surtaxes, BPA, and progressive brackets.
TFSA, RRSP, Group RRSP, FHSA, and Non-Registered portfolios.
Stochastic sequence risk with historical stagflation & crash shocks.
Zero cloud database. All scenario data remains in your local browser.
Live Flight Deck Simulation
Test the live calculation engine below. Adjust your household parameters to see your FIRE target, horizon window, and multi-account decumulation curve update in real time.
65-Year Portfolio Simulation (Accounts View)
Multi-wrapper asset decumulation across TFSA, RRSP, and Non-Registered accounts.
Engineered for Canadian Financial Reality
From TFSA and RRSP account structures to provincial tax brackets and Service Canada public pensions, every model is built for Canadian households.
Canadian Account Allocation & Tracking
Model your complete portfolio across TFSA, RRSP, Group RRSP, FHSA, Non-Registered, Cash, and Alternative accounts with custom holdings, manual values, or live quote tracking.
CPP & OAS Actuarial Adjustments
Model Service Canada public pensions with exact actuarial timing (+0.7%/mo post-65 deferral bonus, -0.6%/mo early penalty) and 15% OAS recovery tax (clawback) threshold tracking.
500-Path Monte Carlo Stochastic Risk
Run 500 stochastic trials factoring in annual market volatility, inflation variance, and return distributions to visualize empirical solvency percentiles.
Historical Sequence of Returns Stress Testing
Subject your plan to 7 historical market shocks — including 1970s Stagflation, 2000 Dot-Com crash, 2008 Financial Crisis, and Lost Decade regimes.
Canadian Geo-Arbitrage & Departure Tax
Evaluate international retirement destinations with a 12-factor cost matrix and CRA deemed disposition departure tax estimations under Section 128.1.
Multi-Scenario Comparison & Audit Dossiers
Create, clone, and compare multiple financial plans side-by-side (e.g. Lean FIRE, Coast FIRE, Fat FIRE) and generate printable decision dossiers.
How NoMoreWork Compares
A technical comparison between NoMoreWork, generic retirement planners, and static financial spreadsheets.
| Capability / Dimension | NoMoreWork | Generic Planners | Static Spreadsheets |
|---|---|---|---|
| Canadian Account StructuresNative modeling of TFSA, RRSP, Group RRSP, FHSA, and Non-Registered accounts. | Full Native Canadian Accounts | Generic buckets or US-centric | Requires complex custom setup |
| Provincial Tax Brackets (13 Provinces)Piecewise marginal brackets, Basic Personal Amount (BPA), and surtaxes for all Canadian provinces. | All 13 Provinces & Territories | Coarse estimates or US-first | Static flat tax percentage |
| CPP & OAS Actuarial AdjustmentsService Canada deferral incentives (+0.7%/mo post-65, -0.6%/mo pre-65) and OAS clawback threshold tracking. | Actuarial Delay & Clawback Engine | Simplified or missing clawbacks | Rough manual entry |
| Historical Sequence Stress Testing7 pre-configured market crises including 1970s Stagflation, 2000 Dot-Com bust, and 2008 GFC. | 7 Historical Crisis Regimes | Single average annual return | Static linear compound interest |
| 500-Path Monte Carlo Stochastic RiskMulti-variable random walk with return variance and percentile confidence bounds (P10, P50, P90). | 500 Paths (P10, P50, P90) | Often paywalled ($100+/yr) | Requires complex VBA macros |
| Canadian Geo-Arbitrage & Departure Tax12-factor international destination matrix and CRA Section 128.1 deemed disposition departure estimates. | 12-Factor Country Matrix | Not available | Not available |
| Data Privacy & Local StorageYour financial portfolio data remains 100% inside your browser localStorage without remote cloud databases. | 100% Local (Zero Cloud DB) | Cloud Server Database Storage | Local file, but prone to sync loss |
| Pricing & MonetizationNo subscriptions, premium paywalls, or gated calculation features. | 100% Free & Open Tool | Paid / Recurring Subscriptions | Free, but high maintenance |
Transparent Mathematics. Zero Server Tracking.
Every actuarial formula, progressive tax band, and decumulation heuristic is documented, verified against Canadian legislation, and computed client-side.
CRA Statutory Framework
Formulas follow the *Income Tax Act* (R.S.C., 1985, c. 1 (5th Supp.)). Incorporates indexed 2026/2027 parameters, provincial surtaxes (Ontario Health Premium, BC high-earner brackets), Quebec federal abatements, and Basic Personal Amounts (BPA).
Stochastic Risk Modeling
Stochastic trials run 500 continuous paths factoring in fat-tail market distributions, inflation volatility, and historical equity/fixed-income correlations. Provides empirical $P_10, P_50, P_90$ solvency confidence boundaries.
100% Client-Side Privacy
Your balances, salaries, and tax data never leave your device. All calculations execute locally inside your browser via client-side WebAssembly / TypeScript runtime and persist in your browser’s `localStorage`.
Explore the Complete Actuarial & Tax Documentation
Review complete mathematical proofs, CPP/OAS actuarial tables, and CRA statutory references in our open Knowledge Center.
Frequently Asked Questions
Common questions regarding Canadian FIRE modeling, calculation accuracy, and data security.
NoMoreWork is completely free with zero subscription fees, paywalls, or gated features. All 500-path Monte Carlo trials, progressive provincial tax models, historical sequence-of-returns stress tests, and printable executive dossiers are available to everyone without cost.