US → Canada retirement planning
A financial plan that crosses borders.
Plan your move, your retirement, and everything in between. Built for the financial complexity of life between the US and Canada.
Public demo. No sign-up. Your financial plan is saved in this browser.
01The problem
Your life crosses borders. Most financial plans don’t.
A move to Canada changes your tax residency, how your US accounts are taxed, the currency your income arrives in, and where your retirement benefits come from. Most planning tools assume none of that ever happens — one country, one tax system, one currency, from first paycheck to final withdrawal.
Your financial life doesn’t stop at the border. Neither should your plan. 49Across is built around the move itself: both tax systems, both currencies, and the years before and after the crossing.
02Results
Example plan / USD / Today’s dollars
See how your finances could change over time.
Illustrative example — not your results. A fictional household: Alex and Sam Morgan, both 59, with USD 1.8 million in investable assets. They move to British Columbia in 2027 and retire the same year.
Projected investable assets at age 90
USD 1.2m
Today’s dollars · Example assumptions
Income & spending / 2030
Employment & benefits / USD 54,000
Portfolio withdrawals / USD 69,000
Spending / USD 115,000
Why this result?
Review the income, withdrawals and assumptions behind a projection. Change an input to see how the estimate responds.
Explore the demo profile03Scenarios
One life. Many possible futures.
Don’t just ask whether you can retire — ask which future works best. Change the move date, the retirement date, or stay put, and compare the results side by side.
Example comparison · USD in today’s dollars
Illustrative example — not your results. The same example household as above: a couple, both 59, USD 1.8 million in investable assets.
| Baseline | Move and retire in 2027 | Move and retire two years later | |
|---|---|---|---|
| Move year | No move | 2027 | 2029 |
| Retirement year | 2027 | 2027 | 2029 |
| Annual spending before income taxes | USD 100,000 | USD 100,000 | USD 100,000 |
| Investable assets at age 90 | USD 1.9m | USD 1.2m | USD 2.3m |
| Difference vs baseline | — | − USD 0.8m | + USD 0.4m |
What changed? The baseline stays in the US and retires in 2027. One future adds a move to British Columbia that same year; the other moves and retires two years later. Compare the assumptions alongside the results to understand the tradeoffs. These example differences are not predictions for your household.
About the example. Alex and Sam rent — rent is included in their annual spending, and they own no home in this example. The example assumes Alex holds US and Canadian citizenship and Sam holds Canadian permanent residence when they move. It is a fictional household, not customer data, and using the planner does not grant any immigration status.
04How it works
Make tradeoffs visible.
- 1
Tell us about your move
Add your household, destination and the move and retirement dates you’re considering.
- 2
Add a financial starting point
Enter rough account balances, income, spending and any home or mortgage details. Estimates are welcome; review missing details before relying on the results.
- 3
Compare and refine
Review an initial projection, compare moving with staying, and adjust your assumptions.
05AI import
Bring your financial picture with you.
You don’t have to type your financial life into a form. If you already work with an AI assistant, it can do the data entry — under your review, and only with what you give it.
Your AI assembles a profile
Give your assistant our published import format — the schema is public. It builds a profile file from the statements and details you share with it, including holdings and cost basis where you have them.
You review every value
Add the file by upload or paste. Nothing applies automatically: each value arrives as a side-by-side difference you can accept or reject, and applying keeps a snapshot so you can undo.
No account access, ever
49Across never connects to your bank or brokerage and never asks for account credentials. The profile file moves only when you move it.
Coming soon: a direct, authenticated connection for AI assistants (MCP). The reviewed file import above is the shipped workflow today.
06The engine
Real-world complexity. Risk-aware modeling.
Taxes on both sides of the border
See estimated US and Canadian taxes together, year by year, including modeled foreign tax credits and the change of tax residency at the move. Review the assumptions behind every total.
Built around the move itself
Compare move dates and destinations — any US state, any Canadian province — and see how residency timing could affect your taxes, accounts and retirement income. Changed your mind? Model a return to the US, too.
Risk, in plain language
Averages hide bad timing. Test your plan against simulations built from historical market paths, so a poor stretch early in retirement shows up honestly. When a path runs short, you’ll see when spending may need to change.
Planning estimates, with assumptions you can review and change.
07Plan report
Your financial plan shouldn’t be trapped in an app.
Keep a readable copy of your plan, review it with an advisor, or share it with an AI assistant.
Download your plan report from the planner's Export menu. It is a Markdown document — a text format you can read in many document and note apps. You pick which scenarios are included, and the baseline is always in.
Your plan belongs to you. Not to our dashboard.
# Plan report — example household Fictional example — not customer data. Figures are illustrative. ## Household - Alex Morgan, born 1967; Sam Morgan, born 1967 - Move to British Columbia in 2027; retire 2027 ## Assumptions - Annual spending: USD 100,000 in today's dollars (rent included) - Plan to age 95; inflation 2.5% ## Scenario outcome — Move and retire in 2027 - Investable assets at age 90 (2057): USD 1.2m in today's dollars - Baseline at age 90 for comparison: USD 1.9m The full report adds the year-by-year appendix, method details, and complete plan data.
Short excerpt from the example household's plan report — a fictional example, not customer data. The full report is much longer.
08Privacy
Your finances. Your data. Your decisions.
Your financial plan stays in this browser
Your plan and setup answers are stored on this device. Download a backup to keep a copy; clearing this site’s browser data removes locally saved work. We collect limited usage analytics, with no financial values or typed answers. Read our privacy policy.
Make your next chapter add up.
Start with estimates for your accounts, income and spending. Review your inputs, then explore your first projection.