The Chapterwise planning experience
A complete household plan, built around the life you want next.
Chapterwise connects life decisions with the Canadian financial planning required to make them possible.
Start with a guided interview
Describe your household, the chapter you want, what you have today and the choices still open to you. You can begin with estimates, skip uncertain details and update everything later.
A household plan can include the primary user and a spouse or partner, so benefits, retirement timing, spending and accounts are considered together.
Keep lifestyle and income decisions separate
A Lifestyle Pattern describes how spending may change through retirement. An Income Strategy describes how withdrawals respond to the portfolio and market conditions. Chapterwise keeps those choices separate and composable.
Choose Steady Lifestyle or Active Early Years, then compare Constant Withdrawal, Adaptive Income or another strategy available in your tier.
Understand Chapter Readiness
Chapter Readiness translates the model into a clear answer: where you stand, what is driving the result and which changes may strengthen it. It is a planning estimate, not a promise.
Scenarios let you compare retirement dates, spending shapes and income choices without overwriting your active chapter. Reports preserve the assumptions and year-by-year evidence behind the result.
Built for Canadian decisions
The model covers supported federal and provincial tax rules, CPP, OAS, RRSP, RRIF, TFSA and non-registered accounts. Rules are versioned, sourced and tested for the applicable year.
The public site helps you understand the approach. The authenticated application at /app/ is where your private household information and saved chapters live.
Bring the whole household picture together.
Chapterwise is accepting invited households during the private beta.
Use my invitation