What comes next, in figures before you get there.
Plan what comes next with your real figures. Retirement, public plans, TFSA, RRSP, insurance — what is covered, and what is left to cover.
Yoseri is not open yet outside Canada.
This page describes the product as it works in Canada. The pension plans, the tax shelters and the connected banks here are Canadian: they do not transpose. Where you are, it would rather be the local public plan, with the local tax shelters as tax shelters and your tax administration opposite.
We do not claim to know those rules today — connecting them is work, not a translation. Tell us where you are: the order in which markets open is decided there.
Status on August 30, 2026 — Yoseri is not open yet. This page previews a product under construction. The screens show one worked example: every amount on them comes from it, none from a real user. The private beta opens on October 1: join the waiting list.
$3,180 a month. The benchmark is 70%, you are at 72%.
The margin is +$100 a month — thin, for thirty years. Leaving at 65 gives $3,180; each extra year adds about $190, each year less takes as much away — and the difference compounds over thirty years.
Three sources, three different risk regimes.
Public plans weigh $1,420, or 45% of the total: it is the most stable share, and it is also the one you have the least hold on.
- Projection recalculated on every change of income or contribution
- Retirement age adjustable: the effect is put in figures, not illustrated
- The net rent comes from your tracked property, charges deducted
Projected income at 65
Margin over the benchmark: +$1003,180 $ / month
72% of your net income · indicative benchmark 70%, to be personalised
The 70% benchmark is a convention, not a rule. A homeowner with no mortgage at 65 does not have the same needs as a tenant. To be personalised.
Three ways to add $300 a month. Only one is free.
Yoseri puts figures on all three against your own projection, and shows them side by side without recommending any. What stands out is the order in which people usually think of them.
Save more
+$218 a month at 65For $100 more paid in every month between now and then.
Work one more year
+$190 a monthOne more year of contributions, one less year of drawdown, and a public pension enhanced by the deferral.
Cut fees by 0.5 of a point
+$164 a monthWithout a dollar more of savings and without working a day longer.
The three levers together exceed the $300 gap to fill. Taken alone, the fee lever already covers $164 — more than half — without changing anything you pay in.
Two plans sit on top of each other. They are not claimed at the same moment.
One depends on what you contributed through work, the other on your years of residence. Together they make $1,420 a month at 65, or 45% of your projected retirement income.
11 years contributed out of 40. That is where you stand.
The work-related plan — the public plan where you live — has cost you $28,400 of contributions to date and projects $890 a month at 65.
- Estimate built on the income Yoseri already tracks
- Your self-employed income is handled separately: the contribution there is double
- The two plans stay shown separately, on every screen
Combined estimate · age 65
45% of projected income1,420 $ / month
Two distinct plans · never added up under a single ceiling
11 years contributed out of 40 · $28,400 paid in
890 $34 years of residence required
530 $Employee share and employer share
Double contributionA clawback is possible if your retirement income is high, a supplement if your income is low. Neither is built into this estimate.
- Estimate your pension from the income it already tracks$890 for the work-related plan, $530 for the residence-related one.
- Count your self-employed income separatelyThe contribution there is double: employee share and employer share.
- Put a figure on every claiming age, from 60 to the maximum deferralWith the break-even point beside it, not just the amount.
- Keep the two plans distinct everywhereTheir deferral and clawback rules do not follow the same logic.
- Read your statement of participationNo connection to public bodies. Yoseri estimates, it does not consult.
- Know your actual contributory yearsThe 11 years out of 40 come from what it observes, not from an official file.
- Tell you at what age to claim your pensionThat depends on your health, your partner and your other income.
- Replace your official statementIt is free, it is more reliable than any estimate made here, and it already exists.
$48,620 of room available in your tax shelters.
Accumulated since you became eligible. These amounts are estimated on the income Yoseri tracks — your real room appears on your notice of assessment and may differ.
$22,220 of RRSP room lying dormant, and roughly $8,220 of tax with it.
Unused RRSP room is not lost — but it earns nothing while it sleeps. Of the $22,220 available, $10,664 was generated this year and $11,556 was carried forward from past years.
- Contributing in a high-income year is worth more than in a lean one
- TFSA withdrawals give room back, but only the following January
- Yoseri watches for over-contribution; it never contributes for you
Room available
$48,620 accumulatedUsed $11,924 · no over-contribution
18 400 $Used $4,496 · $10,664 generated this year
22 220 $Account not opened · room only after opening
8 000 $CARRIED FORWARD
11 556 $GENERATED 2026
10 664 $TAX AVOIDED
≈ $8,220Unlike the TFSA and the RRSP, FHSA room only starts accumulating once the account is opened. Not opening it costs a year of room for every year of waiting.
Where to put your next dollar
Goal: first home| Account | Deduction | Withdrawal | Priority |
|---|---|---|---|
| FHSA | Yes | Free | 1 |
| RRSP | Yes | Taxed | 2 |
| TFSA | No | Free | 3 |
| Non-registered | No | Gain taxed | 4 |
This order holds for a first-home purchase goal with an average taxable income. It changes if you are aiming at retirement, if your income is low this year, or if you plan to withdraw soon. Yoseri opens no account and recommends no institution.
Yoseri does not produce your tax return. It prepares the totals for whoever does.
As of August 16, your cumulative net income for the calendar year reaches $36,190.40, spread over four sources that are not declared the same way.
Five totals, four sources, three deadlines.
Employment $25,600, self-employment $6,480, rental $3,450, investment $660. On top of that, $544 of capital gains on three recorded crypto dispositions — that one is almost always forgotten, because no slip announces it.
Totals prepared · calendar year
As of August 1636 190,40 $
Cumulative net income · four sources, five slips
| Slip | To reconcile with | Total |
|---|---|---|
| T4 | Employment income and Relevé 1 slips | 25 600 $ |
| TA | Self-employment, eligible expenses | 6 480 $ |
| TL | Rents less tracked charges | 3 450 $ |
| T5 | Investment income and Relevé 3 slips | 660 $ |
| GC | Capital gains · 3 crypto dispositions | 544 $ |
CSV export, to hand over as is. Yoseri transmits nothing to any authority and fills in no form.
RRSP CONTRIBUTION
March 2, 2027deadline for the yearRETURN · INDIVIDUALS
April 30, 2027the balance is still due on that dateRETURN · SELF-EMPLOYED
June 15, 2027this applies to you: $6,480 of business incomeThe five tax sections on this page describe Canada. They do not apply where you are.
Public plans, drawdown order, tax shelters, tax returns, estate transfer: these are five blocks of national rules. Showing them anyway, changing only the names, would be a lie by translation.
Your public pension
the local public planIt is the plan that would replace the QPP or the CPP here.
Your tax shelters
the local tax sheltersThese accounts have no Canadian equivalent.
Your tax authority
your tax administrationOn returns: the local tax calendar.
The rest of this page stands up everywhere: a retirement income need, an insurance cover, a tested scenario, a cohort comparison. These are calculations on your own figures, not national rules. That is why they stay on screen.
Opening a market means connecting its banks, reading its tax rules and having them checked locally. That is work, not a translation — and the order it is done in depends on where the people waiting are.
assurances | $3,180 a month at 65. Do you know where it will come from?
Free with manual entry, no banking credentials and no card. You see your first statement in four minutes.
$211,600 of mortgage, with no life or disability insurance.
A net-worth statement that ignores insurance is incomplete: it shows what you own without showing what collapses if your income stops. Yoseri already tracks your premiums in the budget.
$1,402 of premiums a year, and an employer cover that does not follow everything.
Home at $418 a year for the building and liability. Auto at $984 for liability and collision.
- Premiums tracked in the budget, with their renewal month
- Employer cover flagged as partial: it targets the employee
- No policy is read, no contract is stored
What you have
3 active coversBuilding and liability
$418 / yearLiability and collision
$984 / yearDrugs, dental, paramedical
0 $The employer cover is partial: it targets the employee. It does not follow your self-employed income, and it stops with the job.
- Track your premiums in the budget$418 and $984 a year, with their renewal month.
- Spot the obvious gapsA $211,600 mortgage with no life insurance is one.
- Put a figure on what no group plan covers$13,800 of gross rent a year, plus $6,480 of self-employed income since January.
- Write “to be checked” when it does not knowYour tenant’s insurance is not a quantified risk: it is an unknown.
- Calculate a cover amountThat depends on your family situation, your health and your employer.
- Recommend an insurer or a productNever. No affiliate link, no commission from any institution.
- Read or interpret a policyYoseri sees the premium going out, not what the contract covers.
- Tell you that you are “underinsured”It shows a hole. Filling it, and by how much, is a certified adviser’s job.
$45,654 across six accounts would go through the estate.
A named beneficiary receives directly, with no delay and no probate. With no designation, the account enters the estate and waits for settlement — often months.
Only one of your accounts has a named beneficiary.
Your RRSP, at $4,496, is the only one that passes directly. Your TFSA ($11,924) and your bank accounts ($12,480) have no designation at all.
- Yoseri spots the absence of a designation, account by account
- It stores no key, no recovery phrase, no document
- See the security page for what is kept, and where
Assets with no named beneficiary
6 accounts · $45,654| Account | Designation | Amount | Path |
|---|---|---|---|
| RRSP | Named beneficiary | 4 496 $ | Direct |
| TFSA | No designation | 11 924 $ | Estate |
| Non-registered account | Designation not possible | 19 420 $ | Estate |
| Bank accounts | No designation | 12 480 $ | Estate |
| Self-custodied crypto | No access, no key | 1 830 $ | Total loss risk |
Self-custodied crypto is the only asset that can disappear entirely. It is not a settlement delay: it is a dead loss, for everyone.
- Spot the accounts with no named beneficiary$45,654 across six accounts, with the path each would take.
- Tell an oversight from an impossibilityThe non-registered account accepts no designation: that is not negligence.
- Name the risk of self-custodied crypto$1,830 that disappears without the recovery phrase.
- Recall the common-law partner rule in QuebecThey do not inherit without a will, however many years have passed.
- Flag that the “will” line is emptyWhat a common-law partner receives without a will depends on your province.
- Keep your documentsNo will, no mandate, no policy is stored in Yoseri.
- Draft or validate a willNever. That is done before a notary or in the forms the law provides.
- Give access to a relativeNever, under any circumstance, even one arranged in advance.
- Keep a key or a recovery phraseNeither yours nor anyone’s — see security.
What people ask us about this page.
Short answers, including when they are disappointing.
Can Yoseri read my public plan statement of participation?
No. The $890 shown is estimated from the income Yoseri already tracks, as are the 11 contributory years out of 40.
What are these projections worth thirty years out?
An order of magnitude, not a promise. One point less of return takes eight years off your runway — from 94 to 86.
Does Yoseri produce my tax return?
No. It is your accountant who decides whether they are eligible, and Yoseri transmits nothing to any authority.
How much life insurance should I take out?
Yoseri will never work that out. Calculating an insurance need depends on your family situation, your health and your employer: that is a certified adviser’s job, not an app’s. No insurer, no product, no affiliate link is suggested.
Does Yoseri open an FHSA for me?
No. The ceilings and the life of the account change with the year and with your situation: check your real room with the tax authorities before contributing.
The cohort comparison — is that my data leaving?
No, and it is off by default. If you switch it on, only ratios rounded into bands go into an aggregate published from a minimum of 500 people.
Further reading on this.
Yoseri’s publication unpacks these mechanisms with the maths shown, using worked figures you can redo by hand.
FHSA or TFSA: the same $34,000 is not worth the same
Two accounts, one down payment. One hands back part of your tax straight away, the other does not. On a $34,000 goal, the gap runs into the thousands.
· 6 min The BreakdownThe order in which you empty your accounts is worth $64,800
Accumulating is half the work. Nobody looks at the other half until they get there — and between the best and the worst withdrawal order, the gap reaches $64,800 over thirty years.
· 6 min The BreakdownClaiming your pension at 60, 65 or 70: the calculation nobody makes
Deferring your public pension by five years takes it from $890 to $1,264 a month. The calculation is simple; what it hides is less so — it commits you to an assumption about your own longevity.
· 5 minKeep looking around
The $6,320 cushion against the $9,480 needed, and the $34,000 down-payment goal.
See savings Investments0.67% of fees against a 1.42% median. Every half point of fees is worth $164 a month at 65.
See investments SecurityRead-only, no key kept, no document stored. What Yoseri holds, and where.
See securityYour retirement projection, before filling everything in.
A few questions about your income and your retirement age, and Yoseri shows your projected monthly income, its assumptions and the gap to fill. The $48,620 of tax room is worked out afterwards, as your transactions come in.
Yoseri holds no registration with the Autorité des marchés financiers. A retirement plan, an insurance need and a will are made with a professional.