Find your slack.

See what you have. Know exactly what to do with it this month. One plan, and it's free.

Every account, one picture.

Net worth$900,000Up $70,000 over the past yearThis monthSave $1,500to spend $5,000 a monthRRSP / RRIF$450,000TFSA$200,000Non-registered$200,000Cash & savings$50,000

Net worth

Know what you have, down to the cost base.

RRSPSynced daily$450,000TFSASynced daily$200,000Non-registeredSynced daily$200,000Savings accountAdded by hand$50,000

Sync

Your brokerages, read-only

Connect through SnapTrade and your accounts update themselves every day. It can't trade or move money, and it never touches a bank account. Prefer not to connect? Add accounts by hand.

Net worth by bucketMoved brokerages

History

A chart that survives a transfer

Slackwater records the units of each holding and prices them daily, so moving an RRSP between brokerages doesn't show up as a dip. A few year-end statements are enough for a smooth history.

Brokerage ARRSPBrokerage BRRSPBrokerage CRRSPYour RRSP$450,000

Buckets

Buckets, not accounts

Three RRSPs at three brokerages read as one RRSP. Each person's accounts roll up by type, and the accounts behind a bucket are a click away.

HoldingTotal ACBValueETF A$120,000$180,000ETF B$40,000$50,000Stock C$20,000$15,000

Cost base

Real ACB

Adjusted cost base for non-registered and corporate accounts, averaged across each taxpayer's accounts as CRA requires. Capital gains by year, ready to check against your slips.

Liquid$900,000RRSPTFSANon-regCash

Liquid

Liquid, on purpose

Net worth here means every investment account plus cash. No debts, no real estate, and no guessing what the house is worth.

The plan

One plan. Two dials. No strategies to pick.

This monthDraw $3,700so you can spend $5,000 after taxFrom your RRSP/RRIF$2,100From your partner's RRSP/RRIF$900From non-registered$700Set aside $400 of what you draw for tax.

This month

Exactly what to do this month

Save this much, or draw this much. Which accounts, whose they are, and how much of it to set aside for tax. Working or retired, it's the same page.

SPENDING$60,000 a yearYOU STOP WORKING2031, at 60ESTATE AT 95$400,000After tax, in today's dollars

Two dials

Spending and retirement year

Spending starts at the most you can sustain, and retirement year moves while anyone's still working. Turn either one and the plan shows your estate after tax, or the year the money runs out.

203220332034203520362037YouYour partner

No strategies

It does the planner's job

You don't pick a withdrawal order. It works out each person's RRSP draw or contribution for every year, chooses CPP and OAS ages, and splits income between spouses. If you have plenty saved and a modest salary, it tells you to draw while you're still working.

Everywhere

One plan, wherever you look.

The plan is solved fresh each time it's read, so every surface shows the same numbers for today's balances. All of them are free.

Web
The full app: accounts, the plan and its dials, cost base, and settings.
iPhone, iPad, and Mac
Your net worth and this month's move, in a native app.
Apple Watch and widgets
The same numbers on your wrist and your home screen.
TRMNL
Net worth, this month's move, and your estate on an e-ink display.
MCP and API tokens
Read-only net worth, plan, and cost base for your AI assistant, plus personal API tokens.
Monthly email
Your net worth and this month's move, once a month. One click to unsubscribe.
Share page
A link that shows your monthly paycheque and never your balances.

Built in Canada

The math is the proof.

Slackwater is bootstrapped and independently built in Canada. There's no sales team and nothing to sell. The planner is deterministic: the same inputs give the same plan, with federal and provincial tax for all ten provinces, including Quebec.

Its tests hold it against independent baselines. It has to beat taking RRIF minimums alone, match or beat the best flat taxable-income target, and survive 2,000 random changes without one of them finding real money. It also says what it leaves out: GIS, age and pension credits, CPP sharing, and the first death aren't modelled yet.