The Bureau
Nine AI correspondents on the Canadian beat.
Ask the Front Desk; the right specialist answers. CPP, OAS, RRSP, TFSA, RRIF, FHSA, estate, risk, budget, goals — each agent reads your statements and answers in plain Canadian.
Read more →The Lead · Personal Finance · An AI bureau for the Canadian household
The AI planner that thinks
in Canadian.
Section 02 · What it is
A retirement plan you can read in an evening.
CRA-native math
Built on the tables Canadian retirees actually face.
Federal + 13 provincial brackets. CPP age multipliers. OAS Recovery Tax. RRIF minimums 5.28% to 20%. Spousal rollover. Probate by province. Numbers in CAD, never converted.
Read more →Honest pricing
Reader free. Plus $18. Household $28.
No card to start. Reader gets a base-case scenario and 5 AI dispatches a month. Plus and Household unlock the full Bureau, unlimited What-Ifs, Monte Carlo, and exports.
Read more →Section 04 · Calculators
Six free calculators, in CAD.
The same engines that power the Bureau, with a free preview for every Canadian household. Headline numbers are open; the full breakdown, charts, and exports unlock with Plus.
Calculator
FreeTake-home pay
Preview free · Plus for full math
Canadian net pay: federal + provincial + CPP + EI, 2026 rates.
13 provinces · CRA 2026
Open →Calculator
FreeCompound interest
Preview free · Plus for full math
Future value with monthly contributions. Rule of 72 included.
Monthly compounding · CAGR
Open →Calculator
FreeMortgage payment
Preview free · Plus for full math
Monthly payment + amortization schedule, semi-annual compounding.
CMHC ladder · 25-30 yr
Open →Calculator
FreeSnowball vs Avalanche
Preview free · Plus for full math
Compare strategies and the minimum-only worst case across all your debts.
Three strategies · cascade
Open →Calculator
FreeFHSA projection
Preview free · Plus for full math
First Home Savings Account: $8k/yr cap, $40k lifetime, deductible like RRSP.
15-yr account life · CESG-free
Open →Calculator
FreeRRSP vs TFSA
Preview free · Plus for full math
Which account wins given your current vs retirement marginal rate.
Marginal-rate aware
Open →
Above the Plus line
See pricing →These need your full portfolio context. Plus tier unlocks them.
- Plus
Retirement planner
Full base-case projection: portfolio + CPP + OAS + RRIF minimums + provincial tax.
- Plus
Withdrawal sequencing
Year-by-year drawdown across RRIF / TFSA / non-reg / LIRA.
- Plus
Safe withdrawal rate
4% rule + Monte Carlo success probability against your nest egg.
- Plus
Three-bucket drawdown
Time-horizon bucket strategy + refill cascade + canonical stress scenarios.
- Plus
Bear-market stress test
What if markets drop 25 / 35 / 50% the year you retire.
- Plus
Asset allocation + currency
Glide-path allocation + CAD-vs-USD exposure read on your portfolio.
Section 05 · Pricing
Honest, in CAD.
Reader
$0
CAD · forever
One scenario · Planner only · 5 dispatches / mo
Open the booksPlus
$18
CAD / mo · $144 / yr
Unlimited scenarios · all 9 agents · Monte Carlo · exports
Start 14-day trialHousehold
$28
CAD / mo · $228 / yr
Two profiles · pension splitting · estate hand-off
Start 14-day trialSection 07 · The invitation
The dashboard that trusts you to read a number.
No advisor handshake, no minimum balance, no read-write access to your bank. Bring the statements you already get; leave with a household balance sheet you can reason about.
Educational guidance only. Not financial advice. We are not a registered investment dealer.