Your retirement command centre
Welcome back
Your household retirement plan is saved on this device and ready for review.
Today
Your retirement snapshot
Checking your plan…
Welcome to Harbour North
Complete your information to build your retirement picture.
Your calculations and retirement-risk analysis run automatically.
Retirement confidence
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Automatic market-risk analysis
Checking
Plan Protection
Backup recommended
Retirement command centre
Building your retirement picture
Harbour North is reviewing the active plan and ranking the most useful next steps.
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Calculating
Plan Health Score
Smart Financial Coach
Have a retirement question?
Ask about retiring earlier, changing spending, delaying CPP, drawing down your RRSP, buying a home or the biggest risk in your plan.
Top priorities
What deserves attention now
Recent work
Continue where you left off
Return to your most recent planning area.
Target retirement
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Based on your household plan
Investable assets
$0
Available to fund retirement
Total net worth
$0
All assets less recorded debt
Retirement lifestyle
$0
Recorded annual spending
Plan health
What needs your attention
Only important planning or calculation issues appear here.
Plan checks—
First shortfall—
Plan completeness0%
Explore your planning details
Income, readiness, recommendations and timeline
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Annual income$0
Current active income sources
Plan completeness0%
Building your financial foundation
Readiness statusGetting started
Quality of information entered
Plan completeness
See where additional information would improve the plan.
Recommendations
Prioritized from your current information.
Plan strengths
Next actions
Financial timeline
Retirement, benefit and major financial milestones.
Harbour North 4.0 RC3 Beta 2 · Beta Readiness
What should you do next?
Harbour North reviews your current projection, tests practical alternatives and ranks the changes that have the greatest effect on your retirement plan.
Plan health score
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Analysing your plan
Your coach analysis runs automatically from the information already in your plan.
Your outlook
Analysing your retirement plan…
Harbour North is building the baseline projection.
Important risks
What needs attention
Risk analysis is running.
Ranked opportunities
Your highest-impact next moves
These are comparisons, not automatic changes. Your saved plan remains untouched.
Preparing comparisons.
Resilience check
How the plan handles tougher assumptions
Preparing stress tests.
How the Plan Health Score is calculatedOpen methodology
The score is a decision aid, not a guarantee or probability. It combines projected funding, ending reserves, shortfall timing, debt, emergency reserves, plan completeness and resilience under lower returns and higher inflation.
Harbour North tests changes on cloned copies of your plan. Recommendation Explorer can save a separate scenario, but it never changes the active plan automatically.
The information behind your retirement picture
Your Plan
Review each part of your plan at a glance. Open a section only when you need to add or change information.
Plan completeness
0%
Building your plan
Your plan is taking shape.
Harbour North will highlight the sections that need attention.
Plan tools
Manage, protect or inspect your plan
These tools remain available without competing with the information you use most often.
Your retirement outlook
Results you can act on
Start with what the plan means. Detailed calculations remain available when you need to inspect them.
Overall outlook
Checking…
Automatic analysis is running
What this means
Harbour North is analysing your plan.
The explanation will update when the retirement and market-risk calculations are complete.
Recommended action
Review your plan information
Complete the highest-value missing information before relying on detailed results.
Open detailed resultsProjection, optimizer, risk analysis and calculation audit
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Household profile
These permanent records are used throughout Harbour North.
Primary person
Use date of birth so age remains accurate.
Partner
Turn this off for a single-person plan.
Planning assumptions
Guided setup
Retirement Benefits
Enter CPP, OAS, and workplace pensions as monthly amounts. Harbour North now validates government-benefit ranges and repairs accidental repeated monthly-to-annual conversions.
Plan completeness
Missing retirement income can make projections and optimizer recommendations misleading.
How benefit amounts are handled
- Enter CPP as the estimated monthly amount payable at age 65. Harbour North stores the annual equivalent internally and adjusts it when the optimizer tests ages 60 or 70.
- Enter OAS as the estimated monthly amount payable at age 65. Harbour North stores the annual equivalent internally and applies the OAS deferral adjustment when testing age 70.
- Enter workplace pensions as monthly amounts. Harbour North stores the annual equivalent internally and treats it as taxable recurring income from its selected start age through its end age.
- All records remain visible and editable in the Financial Ledger.
Financial ledger
Record the complete household picture: emergency reserves, investments, property, vehicles, other assets, income, debt and spending.
Emergency fund
Enter the amount specifically reserved for unexpected expenses. It is included in investable assets, net worth and retirement projections.
Do not also include this same money in a separate Cash account, or it will be counted twice.
Net-worth assets
Add your home, land, vehicles, recreational property, business interests and other major assets.
Assets appear in the complete account and asset list below and are included in total net worth.
Accounts and assets
Complete household balance sheet
Examples: RRSP, TFSA, chequing, primary residence, Nova Scotia land, vehicles and other property.
Income sources
Current and future income
Salary, WCB, pension, CPP, OAS, rental, business, or other recurring income.
Debts
Debt accounts
Keep each mortgage, line of credit, card, or loan separate.
Spending needs
Annual or monthly spending
Essential living, lifestyle, travel, healthcare, or other needs.
Timeline events
Future goals and changes
Purchases, inheritances, property sales, gifts, renovations, or other one-time events.
Control centre
Assumption Centre
Set the planning assumptions used by projections and optimization in one place. Changes are saved automatically.
Economic assumptions
Used for spending and tax bracket indexing.
Used for indexed pensions, CPP, OAS, and other income.
Used as the default for scenario testing.
Planning targets
Optimizer will favour plans that preserve at least this amount.
Optimizer search range
Off by default so the optimizer cannot solve the plan simply by making your partner work longer.
CPP and OAS amounts are adjusted when their start ages change. The optimizer does not change your saved plan until you choose Apply recommendation.
Financial engine validation
Retirement Optimizer
Choose what matters most. Harbour North ranks financially viable plans according to your goal instead of simply maximizing wealth.
1. Choose your primary goal
2. Target and hard limits
Defaults to the age saved in Household.
Hard requirement: Spending must remain funded through the planning horizon. Unfunded plans rank below every funded plan.
Partner retirement remains locked to the saved plan unless partner optimization is explicitly enabled in Assumptions.
3. What Harbour North tests
- Primary retirement ages within the Assumptions search range. A target age outside that range is added automatically.
- CPP start ages of 60, 65, and 70 with benefit adjustments.
- OAS start ages of 65 and 70 with deferral adjustments.
- Partner retirement age only when deliberately unlocked.
4. How plans are ranked
For target-date and earliest-retirement goals, ending wealth is only a tie-breaker.
Run optimization
The analysis remains on this device. Results open automatically when complete.
Select your goal and run the optimizer.
Phase 3 · Optimization results
Retirement Results
Review the plan that best matches your selected goal, the top alternatives, and the comparison with your current plan.
Selected-goal winner
—Run the optimizerEarliest retirement
—Run the optimizerLowest lifetime tax
—Run the optimizerHighest net worth
—Run the optimizerRetirement ages compared0
Best benefit timing retained for each age
Recommended retirement—
Primary person
Recommended CPP—
Primary person
Ending portfolio—
At planning horizon
Retirement income included
These are the benefit records currently included in the plan.
Top-ranked plans
Each card represents a different retirement age using the best CPP/OAS combination found for that age.
Run the optimizer to compare scenarios.
Current plan vs recommendation
| Measure | Current plan | Recommended plan | Difference |
|---|---|---|---|
| No optimization result yet. | |||
What-if planning
Scenario Manager
Create separate copies of your plan, edit their major assumptions, then activate the one you want Harbour North to analyse.
Editing a saved scenario does not change the active plan until you select Save and activate.
Saved scenarios
Edit, activate or delete a scenario.
Beta readiness
Guided Setup 2.0
Complete your retirement picture
Review the six core areas Harbour North uses to create meaningful projections and recommendations.
Setup & Health
Beta Readiness brings setup, validation, first-run guidance and release checks into one dependable workflow.
Beta Readiness Centre
Is this plan ready to rely on?
Harbour North checks setup quality, assumptions, calculation readiness, backup protection and browser health.
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Run the readiness scan to review this plan.
Release gates
Five checks before beta testing
Automatic plan review
Validation findings
Issues are ranked by importance and linked to the page where they can be corrected.
Select “Run readiness scan” to check the active plan.
Guided setup
Work through these steps in order. Completed steps update automatically.
Complete system test
Runs protected checks on copied data. It does not replace, reload or re-render your live plan.
System test is ready. Select “Run complete system test”.
Saved plan size—
Inputs and scenario snapshots only
Browser storage statusChecking
Local device persistence
Tests passed—
Release-candidate checks
Release statusNot tested
Ready only when all critical checks pass
Error console
Unexpected browser errors are captured here instead of failing silently.
No errors captured.
0.7.0 · Audit & trust
Projection Audit
See exactly how Harbour North calculates each year, each account, and each optimizer recommendation.
Audit controls
Choose a projection year to inspect.
Cash-flow audit
Income by source
Account-level audit
Opening balance, growth, contributions, withdrawals, and closing balance for every investment account.
| Account | Type | Owner | Opening | Growth | Contributions | Withdrawals | Closing |
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Optimizer audit
One best benefit-timing combination for each retirement age.
| Retire age | CPP | OAS | Status | Lifetime tax | Lifetime withdrawals | Ending portfolio today | First shortfall |
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Validation report
Financial engine validation
Validation Centre
Run known-answer scenarios, verify every projection equation, and review a confidence score before relying on optimizer results.
Planner confidence
Based on golden scenarios, current-plan arithmetic, core engine tests, and plan completeness.
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Not yet validated
Run the suite to evaluate the current plan and calculation engine.
Golden scenarios—
Known-answer test cases
Projection arithmetic—
Current plan checks
Core engine tests—
Timeline, income, tax, projection
Plan completeness—
Benefits, spending, household data
Golden test scenarios
Predetermined cases detect regressions between releases.
Current-plan equation checks
Every projection year must balance before results are considered trustworthy.
How retirement spending is funded
Your withdrawal strategy
Harbour North compares the available account-order strategies using the same plan, assumptions, income and spending.
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Recommended strategy
Calculating…
Harbour North is comparing the standard withdrawal approaches.
Currently selected
Balanced
Your current withdrawal approach.
Compare the main strategies
A funded plan is prioritized first, followed by ending estate and lifetime tax.
This is a planning-model comparison, not individualized tax or investment advice.
Choose a different strategy or inspect the withdrawal orderAdvanced controls and the first 15 retirement withdrawal years
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All available strategies
First 15 retirement withdrawal years
How tax-bracket optimization works
The model targets the indexed ceiling of the first federal tax bracket for each retired account owner. Available RRSP or RRIF funds may be drawn during low-income years, taxes are recalculated, required spending is funded, and after-tax excess is retained in cash. The model does not currently optimize individual capital-gain lots, pension-income splitting or explicitly calculate OAS recovery tax.
Monte Carlo Retirement Analysis
Test the active plan across many possible market paths using the Canadian tax and account-ledger engines.
Simulation assumptions
Stress presets
Preparing simulation…
Probability of success—
Median ending estate—
10th percentile estate—
90th percentile estate—
Portfolio depletion risk—
Portfolio confidence range
5th, 25th, median, 75th, and 95th percentile outcomes by year.
Ending-estate distribution
Frequency of simulated ending estate values.
Failure analysis
Planning observations
Simulation validation
Ask Harbour North
Ask Harbour North
Ask a retirement question in plain language. Harbour North will test it on a protected copy of your plan and explain the result.
How answers are produced
Calculation method and limitations
Harbour North recognizes supported planning questions, creates a cloned scenario, runs the existing projection engine, and compares the result with the active plan. It does not use a general-purpose language model or provide regulated financial advice.
Results depend on the data and assumptions entered. Tax, benefit, market and pension rules may change. Confirm important decisions with qualified Canadian professionals.
Tax Coach
Tax Strategy Coach
See where retirement taxes rise, why they rise and which strategies may improve the plan.
Open the Tax tab to calculate the active plan.
Lifetime tax timeline
Taxable income and estimated tax
Identify lower-tax windows, RRIF spikes and benefit-related tax pressure.
Automatic tax warnings
What deserves attention
RRIF outlook
Registered account pressure
Strategy comparison
Test tax approaches safely
Strategies use cloned plans and never change the active scenario automatically.
Methodology and limitations
How the Tax Strategy Coach works
The Coach uses Harbour North’s existing projection and tax engines to compare alternative withdrawal and CPP-timing assumptions.
Results are planning estimates rather than tax advice. Confirm important decisions with qualified Canadian tax and financial professionals.
Backup and recovery
Export your full Harbour North plan before major updates.
Professional planning foundation
The app now stores household data, assumptions, tax profile, scenarios, and optimizer results in a structured planning model while retaining compatibility with earlier backups.
Model version1
Professional planning schema
Active scenarioBase plan
Scenario workspace
Saved scenarios1
Ready for comparison tools
Last optimizer runNever
Stored with the plan
Create a fresh plan
Start a new plan after confirming that the current browser plan can be replaced.
Reset this browser
Delete the saved plan and onboarding progress from this browser. Export a backup first.