After downloading your file, macros must be enabled for the file to work properly.
In the case of using the file with a Mac, when opening the document, you are asked whether or not you want to activate the macros. Just click on "Enable macros" and the document will be functional.
In the case of Windows, the way to enable macros depends on your version. We recommend that you save your file in a folder other than downloads before enabling macros.
1st possibility:
2nd possibility:
It depends on whether you purchased the version for individuals (basic or advanced) or the one for professionals.
In the case of professionals, as these are monthly or annual subscriptions, there is nothing to do. Simply log in to your account, open an existing client's projection (or create a new one) and re-upload the file. This will be the new version that will be downloaded.
In the case of individuals, you must log in to your account and purchase the 2025 license (under My account/Purchase a license). After purchasing the 2024 version, you can return to the Projection menu, create a new projection and download the new file.
The license needs internet access to be validated. You cannot therefore use the Excel file offline because in this case the license cannot be activated.
Most of the time this message appears because the macros are not correctly enabled. Please check the point "How to activate macros?"
There may also be an update for Excel or your operating system. We recommend that you make these updates which could solve the problem.
If the problem persists, do not hesitate to contact us: info@planifretraite.ca
This tool is an Excel file compatible with Excel Mac and Windows versions from version 2010. However, it is not compatible with Numbers, OpenOffice and GoogleSheets.
For your information, we would really like our tool to be compatible with LibreOffice/OpenOffice or even Numbers and GoogleSheets. Unfortunately there is no formula compatibility between these different supports and the macros which we use for more complex calculations and to facilitate use (show/hide columns for example) do not even exist.
We consulted a specialist to see if it would be possible to make all of this compatible but ultimately the result is that it is not that possible at the moment. Will the features of LibreOffice/OpenOffice (or other) improve in the future and allow me to use them? Maybe…. But it’s still not as powerful as “normal” Excel.
For information, the purchase of Microsoft Office costs $79 per year, to have Excel but also all the other tools of the office suite as well as an ad-free email and 1 TB of cloud storage.
When a new version comes out during the year, just log in to your account and upload the Excel file again. The download will always correspond to the latest version available.
In the case of a new so-called "annual" version, you will have to buy back this new version. For example, if you purchased the 2023 version and the 2024 version is released, you will need to repurchase the new version. In the case of professionals who purchased with the annual price, conditions apply.
The cost of the versions is annual. Each year, in December, a new version is made available, that includes tax data for the coming year as well as new features.If you have a version from a previous year and you wish to redo your retirement plan according to the figures for the current year, you will have to purchase our tool again.
Get a 10% deduction on your next purchase each time you refer a friend who buys. Contact us if this is your case!
If you have purchased RetirePlan - base plan and you find that RetirePlan - Advanced plan would be more suitable for you, you can upgrade in the same year and only pay the difference. If you are in this situation, contact us: info@planifretraite.ca.
You must be on the demo version. You need to switch to one of the available paid versions.
Here's how to renew your numbers while keeping track of your retirement journey:
Download the new version of Calculetraite (basic, advanced or professional) without overwriting your old completed file.
Fill in all the information in the input data tab according to your figures from the beginning of the year. It may take some time depending on whether you already know your numbers or if you have investments in several banks, for example. I recommend that you pay particular attention to the values indicated in the calculation assumption table (such as the expected returns) as well as the net income necessary for retirement which, according to your consumption, is supposed to increase from year to year following the inflation.
Copy your history (year 2019, 2020 and 2021…. depending on which year you started using CalculRetraite) from the “Results details” tab of your previous file and paste it into your new file.
CAUTION, you must:
Here you have your financial statement for the new year:
The "Actual versus planned" column: allows you to see the difference between the total capital that the file had calculated for you for the end of the previous year and your current figures (ideally at the beginning of the year).
"Real savings": which you must enter manually and which allows you to see if you and your spouse have saved as much during the year as expected.
Principles
PlanifRetraite inc. (hereinafter “PlanifRetraite”, “we”) is a company working in the field of developing retirement planning tools. As part of the exercise of its commercial activities, PlanifRetraite collects various personal information from people who apply with it or its commercial partners.
We are committed to ensuring the confidentiality of personal information disclosed to us by our customers, potential customers or business partners. To this end, we have implemented this privacy policy (hereinafter the “policy”).
Personal information
For the purposes of this policy, the expression “personal information” means all information about an identifiable individual provided to PlanifRetraite by that individual directly or indirectly through a third party authorized or collected by PlanifRetraite. This collection of information can be done by receiving documents, paper or digital, by completing forms such as loan or guarantee applications or by telephone. This policy does not cover anonymized information for statistical purposes that does not identify the individuals concerned.
Personal information collected
In carrying out our business, we collect the following personal information for all of our customers and potential customers:
Use of personal information
PlanifRetraite uses personal information to keep customer files up to date and to enable us to solicit customers for new products or promotions. For these purposes, it is necessary for us to obtain all this information and for it to be as accurate as possible. The information is retained as long as the customer maintains it for a reasonable period following the acquisition of one of our tools. We also use personal information for statistical and market research purposes. Information communicated to third parties PlanifRetraite will communicate your information only when the situation becomes necessary in the execution of its activities. We only exchange your information with the people who must receive it in order to carry out their mandates, for example our external technical teams, our tax and legal advisors. The personal information communicated is strictly limited to that which is necessary to carry out the tasks which are delegated to these third parties. As part of a commercial transaction, personal information may be transferred to another organization. This transfer will be limited to information relevant to said transaction. Finally, we may communicate personal information to any other person when the consent of the person concerned has been obtained beforehand, whether in the initial contract, a subsequent contract or another authorization obtained from them.
Use of the website
You can browse our website without having to provide us with any personal information. However, we may use certain anonymized data for statistical purposes, particularly for our market research. We use cookies, web beacons, web beacons, log files and other technologies to collect certain personal information from visitors to our websites. We therefore collect in particular your IP address, your geographical region determined by your IP address, the time of your visit, the data of your navigation path on our sites, the browser used, the duration of navigation on our site, the response time pages viewed and information about your device and network. This data is used to ensure the reliability of our websites, to update it and improve its functionality.
Customer Rights
Clients or any other person about whom PlanifRetraite holds personal information may contact us in order to have access to said personal information, to confirm its accuracy, and to request its correction if it is inaccurate. For security purposes, we reserve the right to confirm your identity before making any changes to said information. In addition, you can withdraw your consent to the communication of personal information about you to third parties. To make any of the requests provided for in this section, you must send a written request to the person responsible for the protection of personal information whose contact details can be found below. This request must clearly indicate your identity or the identity of the person concerned in the case of a deceased, incapacitated person or a minor, and your relationship with this person, if applicable, the objective of the request, the elements to be corrected as well as supporting evidence for these changes, if applicable. Consultation of personal information is done free of charge. However, PlanifRetraite reserves the right to charge reasonable fees for the reproduction and shipping of a copy of personal information if the person concerned requests a paper copy. The costs will be mentioned to the person making the request prior to its execution. The processing time for all requests may vary from one time of year to another, but we will ensure that we respond to all requests within a reasonable time of no more than fifteen (15) days.
Consent
Providing us with your personal information or using our website constitutes acceptance and consent to the collection of your personal information for the purposes set out in this policy. In addition, signing any contract providing for the collection or communication of your personal information constitutes acceptance of this policy as well as the considerations provided for in said contract. Your consent may also be obtained by email, fax or verbally when speaking with our agents, representatives or authorized third parties. You have the right to withdraw your consent to the future collection, use and/or disclosure of your personal information as indicated in the previous section. However, it is possible that this withdrawal will have consequences in the management of your file. To this end, we are committed to discussing with you the impacts of such withdrawal so that we can continue to serve you well. In the event that you maintain this withdrawal, we will inform you of the changes applicable to our respective obligations.
Modification of this policy
This policy comes into force on September 25, 2023. PlanifRetraite reserves the right to modify this policy at any time, whether so that it complies with its internal practices or following legislative changes. The communication of any personal information or the use of our website after updating this policy constitutes acceptance and consent to the modifications that may occur to this policy. It is therefore recommended to consult this policy periodically to ensure its evolution.
Privacy Officer
All requests to the Privacy Officer should be sent by email or post to the following contact details:
Madame Julie Trottier
Privacy Officer
PlanifRetraite inc.
135, rue Roseval
Laval (Québec) H7L 2T6
j.trottier@planifretraite.ca