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
Baseline plan / USD / Today’s dollars
See how your finances could change over time.
Illustrative example — not your results. Example household: a couple, both 55, 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 4.2 million
Today’s dollars · Baseline assumptions
Income & spending / 2030
Employment & benefits / USD 40,000
Portfolio withdrawals / USD 80,000
Spending / USD 120,000
Why this result?
Review the income, withdrawals and assumptions behind a projection. Change an input to see how the estimate responds.
Explore the planner03Scenarios
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 55, USD 1.8 million in investable assets.
| Baseline | Move and retire two years later | Stay in the US | |
|---|---|---|---|
| Move year | 2027 | 2029 | No move |
| Retirement year | 2027 | 2029 | 2027 |
| Annual spending before income taxes | USD 120,000 | USD 120,000 | USD 120,000 |
| Investable assets at age 90 | USD 4.2m | USD 5.1m | USD 4.6m |
| Difference vs baseline | — | + USD 0.9m | + USD 0.4m |
What changed? This example changes both the move and retirement dates. Compare the assumptions alongside the results to understand the tradeoffs. These example differences are not predictions for your household.
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 MD
Your financial plan shouldn’t be trapped in an app.
Export the whole plan as a Markdown document — household, assumptions, accounts, planned events, scenarios and a year-by-year appendix, ending with the complete plan data. Read it anywhere, keep versions as your thinking changes, share it with an advisor, or hand it to an AI for a second opinion.
Your plan belongs to you. Not to our dashboard.
# Financial Plan Export ## Household - **Person 1**: born 1971 (age 55) - **Person 2**: born 1971 (age 55) - US State: WA, Province: BC - Filing status: joint ## Key Assumptions - Annual spending: $120,000 - Plan to age: 95 - Inflation: 2.5% ## Scenarios (3) ### Move and retire two years later …
Shortened excerpt from an exported plan, using the example household above.
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.