Choose your plan, see your future.
Gain clarity into what your future looks like. Then we can build your dream retirement together.
Free
The full planning app. Everything you need to find your earliest retirement date.
$0
CAD
per year
Maximize your retirement with:
- Retirement projections & Earliest Retirement Date
- Manual Plans with four Strategy Templates
- CPP/OAS claiming ages & contribution allocation
- Drawdown Mode: Die With Zero or Sustainable
- Contribution tracking & public share page
- Not included:Companion Surfaces (watch, widgets, TRMNL, MCP)
- Not included:The automated Optimizer
Plus
Everything in Free, plus Companion Surfaces to keep your plan close at hand.
$20
CAD
per year
Maximize your retirement with:
- Everything in Free
- Apple Watch app & complications
- iOS home-screen widgets
- TRMNL e-ink plugin
- MCP server & personal API tokens
- Not included:The automated Optimizer
Premium
Everything in Plus, plus the automated Optimizer and the Optimal Plan it produces.
$500
CAD
per year
Requires an Apple device (iPhone, iPad, or Mac on the latest OS) — the Optimizer runs on-device.
Maximize your retirement with:
- Everything in Plus
- The automated Optimizer
- Per-year withdrawals & spousal splitting
- CPP/OAS timing & contribution allocation, solved
- Earliest-date solving
Free | Plus | Premium | |
|---|---|---|---|
| Get started | |||
| Get started | Get started | Get started | Get started |
Planning | |||
| Retirement projections | Included in Free | Included in Plus | Included in Premium |
| Earliest Retirement Date | Included in Free | Included in Plus | Included in Premium |
| Manual Plans (4 Strategy Templates) | Included in Free | Included in Plus | Included in Premium |
| CPP/OAS claiming ages | Included in Free | Included in Plus | Included in Premium |
| Contribution allocation | Included in Free | Included in Plus | Included in Premium |
| Drawdown Mode (Die With Zero / Sustainable) | Included in Free | Included in Plus | Included in Premium |
| Contribution tracking | Included in Free | Included in Plus | Included in Premium |
| Public share page | Included in Free | Included in Plus | Included in Premium |
Companion Surfaces | |||
| Apple Watch app & complications | Not included in Free | Included in Plus | Included in Premium |
| iOS home-screen widgets | Not included in Free | Included in Plus | Included in Premium |
| TRMNL e-ink plugin | Not included in Free | Included in Plus | Included in Premium |
| MCP server & API tokens | Not included in Free | Included in Plus | Included in Premium |
Optimizer | |||
| Automated Optimizer & Optimal Plan | Not included in Free | Not included in Plus | Included in Premium |
| Requires an Apple device | Not included in Free | Not included in Plus | Included in Premium |
Frequently asked questions
Your questions answered.
- How does Slackwater calculate my retirement projections?
- Slackwater uses your current income, savings rate, investment balances, and expected returns to project when you can retire and how much annual income you'll have. As you update your balances over time, your projections become more and more accurate.
- What withdrawal strategies does Slackwater support?
- Every plan — including Free — gives you four Strategy Templates to build your own withdrawal plan: Linear (steady draws), TaxFirst (draw taxable accounts first), TaxLast (draw them last), and Smooth (level your taxable income over time). You choose the template, your CPP/OAS claiming ages, and how contributions are allocated, and the engine computes the full year-by-year result. Premium adds the automated Optimizer, which searches these levers for you and reports the best engine-verified plan it finds.
- Is there a mobile app, Apple Watch app, or widgets?
- Yes. The Apple Watch app with complications, iOS home-screen widgets, the TRMNL e-ink plugin, and the MCP server with personal API tokens are the Companion Surfaces — they're included with Slackwater Plus so you can check your plan at a glance.
- How does the retirement paycheque view work?
- Once you switch into retirement mode, your dashboard becomes a paycheque-style view. It tells you which accounts to draw from and how much to withdraw for your target spending, following your chosen plan. It shows you a plan to follow — it does not react to the markets on its own.
- Is my financial data secure?
- Absolutely. Your data is encrypted at rest and in transit. We never sell your data or share it with third parties. Slackwater is a planning tool — we don't connect to your bank accounts or have access to your money.