The plain-English disclaimer
What this is
LifeMoney Planner is educational software. It takes the numbers you type in, combines them with published government figures — CPP and OAS rates, tax brackets, RRIF minimums — and shows you what the arithmetic says. Every figure it uses is listed, with its source and year, on the assumptions page. The calculators run in your browser; the numbers you enter stay on your device.
What this is not
It is not financial, tax, or investment advice, and it doesn't know you. It can't see your health, your family, your workplace pension's fine print, a business you might sell, or the dozen other things that matter more than a projection. When a page says the numbers “lean” one way, that means exactly what it says — the arithmetic, under stated assumptions, points in a direction. It never means “this is what someone in your position should do.”
Projections are not predictions
Every projection here depends on assumptions about future returns, inflation, and lifespans that nobody — including us — can promise. Small changes to those assumptions can move the results a lot, which is honestly part of what the tool is for: seeing which choices are sturdy across many futures and which only work in one. The simplifications the model makes are documented openly on the assumptions page rather than buried.
When to talk to a person
For decisions about your own money — especially ones you can't undo, like starting CPP or collapsing an account — many people benefit from having a licensed professional pressure-test their plan against their full situation. A calculator is a great way to arrive at that conversation prepared.
Working with a larger or more complicated picture? A licensed professional can pressure-test your plan.
Talk to a professional →