Release notes

• More flexible expense management between spouses
• Tax optimization
• Optimization button: expenses, RRQ/OAS start age, RRSP/LIRA withdrawal amount
• More accurate RREGOP/RRPE/RMSQ calculation based on a specific start date
• Charts by spouse

For more information, please read the full update document below. (french only)

Download

Update of the file with all the tax news for 2025 (except the removal of the maximum for FRVs).

• More flexible expense management between spouses
• More accurate withdrawal strategy, separated by spouse
• Tax optimization
• Option to display detailed tax and tax-strategy calculations
• Optimization buttons: expenses, RRQ/OAS start age, RRSP/LIRA withdrawal amount
• More accurate RREGOP/RRPE/RMSQ calculation based on a specific start date
• Charts by spouse

For more information, please read the full update document below. (in french only)

Download

Addition of RRMSQ pension choices in the RREGOP/RRPE table in the pension tab.

Here are the changes made in version V3 of 2024:

• Changes following the federal budget (capital gains inclusion rate)
• Changes to improve data entry
• Addition of the CRI in the financial information of the report
• Miscellaneous fixes

For more details, feel free to download the update document below.

Download

Here are the changes made in version V2 of 2024:

• Copying from one file to another
• Simplification of use (CRI, RPAPD, etc.)
• Miscellaneous fixes

For more details, feel free to download the update document below.

Download

Here are the changes made in version V1 of 2024:

• Deferral of the QPP until age 72
• Old age security reduction indicator
• Pension for the surviving spouse
• choice of age of death
• Total Assets Chart

For more details, feel free to download the update document below.

Here are the changes made in the V5 version of 2023:

• RREGOP/RRPE: addition of automatic calculation of full pension age and precision of the calculation according to the month of birth
• 1st year QPP/OAS: take the full amount if starting before the current year
• Needs line: addition of the needs line (expenses+additional expenses+taxes) in the Source of income graph.
• Correction of the amount of the GIS for the current year when one is already retired (could give an amount because had no income from the previous year)
• Increase in Old Age Security at age 75
• General reduction in income tax
• Added names to manually entered fields

• General changes from basic version: same file as advanced/pro with some tabs not accessible
• Simplified Input Data tab
• Automatic RRQ calculation
• Modification of the "Assumptions of calculation" tab
• Pension: average of the best 5 years calculated automatically
• Improvement of the visual of "Results details"
• Added inflation column
• Report

Update of the file with all the tax news for 2025 (except the removal of the maximum for FRVs).

Addition of RRMSQ pension choices in the RREGOP/RRPE table in the pension tab.

Here are the changes made in version V3 of 2024:

• Changes following the federal budget (capital gains inclusion rate and ECGC value)
• Changes to improve data entry
• Addition of the CRI in the financial information of the report
• Miscellaneous fixes

For more details, feel free to download the update document below.

Download

Here are the changes made in version V2 of 2024:

• Copying from one file to another
• Simplification of use (CRI, RPAPD, etc.)
• Possibility of 2 companies per person
• Specific savings amount per plan
• Plan only: addition of spouse’s income information
• Miscellaneous fixes

For more details, feel free to download the update document below.

Download

Here are the changes made in version V1 of 2024:

• Deferral of the QPP until age 72
• Old age security reduction indicator
• Variation of expenses
• Tax return in TFSA
• Pension for the surviving spouse
• Property management upon death
• Company management
• Management upon death
• Total Assets Chart

For more details, feel free to download the update document below.

Here are the changes made in the V5 version of 2023:

• RREGOP/RRPE: addition of automatic calculation of full pension age and precision of the calculation according to the month of birth
• 1st year QPP/OAS: take the full amount if starting before the current year
• Needs line: addition of the needs line (expenses+additional expenses+taxes) in the Source of income graph.
• Correction of the amount of the GIS for the current year when one is already retired (could give an amount because had no income from the previous year)
• Increase in Old Age Security at age 75
• General reduction in income tax
• Added names to manually entered fields

• Simplified Input Data tab
• Automatic RRQ calculation
• Modification of the "Assumptions of calculation" tab
• New advanced options: choice of income splitting or not, different QPP/OAS indexing, RRIF according to spouse's age, % salary increase, savings in spouse's TFSA, non-registered transfer to spouse's TFSA, maximum transfer to TFSA, management taxation of non-registered accounts
• Pension: average of the best 5 years calculated automatically
• Improved rental income management (now several possible)
• Additional rental expenses
• Dividend managed for Companies
• Improvement of the visual of "Results details"
• Added inflation column
• Report