One plan for your whole household — and every Canadian account.
From corporate dividends to a couple's combined withdrawal strategy, taxes in every province and territory, and your estate — Horizon 360 models the full picture, year by year.
Corporate dividends & business owners
Optimize the salary-vs-dividend mix, track retained earnings, RDTOH and the capital dividend account, and see how your CCPC funds retirement alongside personal accounts.
Tax-aware decumulation
Compare withdrawal strategies — RRSP-first, TFSA-first, pro-rata or bracket-topping — or let the optimizer find a more efficient draw order, and see the tax owed every year.
Household & couples planning
Plan two spouses and dependants as one household — coordinate retirement dates, pension and income splitting, CCB, and survivor scenarios.
Every Canadian account
RRSP, spousal RRSP, TFSA, FHSA, RRIF, LIRA/LIF, RESP, non-registered, cash and pensions — with contribution-room tracking and government grants.
Coast-to-coast coverage
Accurate federal and provincial tax for every province and territory, with full Quebec support built in.
CPP/QPP & OAS timing
Test starting CPP/QPP and OAS from 60 to 70, with OAS clawback and GIS handled automatically.
Income splitting & optimizers
Pension and income splitting plus salary/dividend and withdrawal-order optimizers to lower household tax.
Net worth & insurance
Track real estate, mortgages, vehicles and debt alongside a full life-insurance suite — term, whole and universal life.
Estate & end-of-life
Model death events, spousal rollovers, terminal-return tax and probate fees, with a full estate breakdown.
Automated insights
Dozens of built-in checks flag OAS clawback risk, unused RRSP/TFSA room, age-71 conversion, unclaimed RESP grants and more.
Scenarios & what-if
Save and compare plans side by side — retire earlier, spend more, downsize — with overlay charts and delta tables.
Local-first & private
Your plan data lives in your browser, with backup export and import. Your account is only used to sign in.