Built for Canadians. Privacy-first. Completely free to start.
Powerful features ready to transform your financial planning today
Run 1,000+ scenarios to see your probability of success
✅ AvailableSee your wealth grow year by year with interactive charts
✅ AvailableKnow exactly where every dollar falls in federal and provincial brackets
✅ AvailableTrack every dollar in and out with clarity
✅ AvailableSet goals and watch yourself hit them
✅ AvailableMaximize government grants and contribution room
✅ AvailableBuilt for Canada. Accurate to the penny.
✅ AvailableKnow exactly how much coverage you need
✅ AvailableYour plan works anywhere, even without internet
✅ AvailableEnter your own data. No bank connections. No risk.
✅ AvailableYour data stays on YOUR device. Period.
✅ AvailableNo ads. No data selling. Ever.
✅ AvailableBrowser storage, your device, your rules
✅ Available10 comprehensive tabs covering your entire financial life
✅ AvailableExciting new features in development to make your planning even better
Should you buy or rent? Model both and see the math.
🟡 Coming SoonCalculate exactly when you can stop working
🟡 Coming SoonJoint finances, separate accounts, combined projections
🟡 Coming SoonOptimize your tax strategy with visual bracket analysis
🟡 Coming SoonPlan what you leave behind
🟡 Coming SoonWhat if you went to 3 days a week?
🟡 Coming SoonModel a sabbatical without fear
🟡 Coming SoonOptimize your drawdown for minimum tax
🟡 Coming SoonTest your plan against real market history (2000 crash, 2008, COVID)
🟡 Coming SoonStress test with bear markets, inflation spikes, rate changes
🟡 Coming SoonMajor purchase planner: car, cottage, renovation
🟡 Coming SoonMortgage, land transfer tax, FHSA, stress test
🟡 Coming SoonPlan across borders
🟡 Coming SoonCAD, USD, EUR, GBP and more
🟡 Coming SoonAdvanced tools for financial professionals and power users
White-label UltraPlan for your practice
✅ IncludedCompare scenarios side by side
✅ IncludedProfessional reports for clients
✅ IncludedGet personalized suggestions
✅ IncludedSee why thousands choose UltraPlan over other tools
| Feature | UltraPlan | Wealthsimple | ProjectionLab | Spreadsheets |
|---|---|---|---|---|
| Canadian Tax Calculations | ✅ Full CPP/OAS/Provincial | ❌ No | ❌ No | ⚠️ Manual Only |
| Monte Carlo Simulations | ✅ 1,000+ scenarios | ❌ No | ✅ Yes | ❌ No |
| Privacy (No Data Collection) | ✅ Completely Private | ❌ Data Collected | ⚠️ Some Data | ✅ Local Only |
| Works Offline | ✅ Full PWA | ❌ Online Only | ❌ Online Only | ✅ Local Files |
| Free Forever | ✅ Core Features | ✅ Basic Only | ❌ Trial Only | ✅ If You Have Excel |
| Insurance Planning | ✅ Needs Calculator | ❌ No | ❌ No | ⚠️ Manual Only |
| RESP & Grant Tracking | ✅ Full CESG/ACESG | ❌ No | ❌ No | ⚠️ Manual Only |