Most financial tools make you guess one return, then project a smooth line forward. Real markets aren't that smooth, and that number hides the risk. Foresight Planner replays your whole plan (saving, taxes, pensions, life events, drawdown) across thousands of real market histories, with crashes and recoveries in the order they happened. You see how often it holds up, not one rosy guess. It also uses global data, not just the US. Free, no sign-up. Canadian tax, CPP, and OAS built in.

Hi everyone, maker here. I built Foresight Planner because the planning tools I tried fell into two camps, and neither sat right. Some just ask for one "expected return" and draw a tidy line decades into the future. Others do run Monte Carlo, but with parametric models: they assume returns follow a neat bell curve with a fixed average and volatility, which bakes in a lot of assumptions and smooths over the worst things markets actually do. Foresight takes a different route. It models your whole financial life (saving, taxes, pensions, life events, and how you draw the money down) and runs it through thousands of real historical market sequences, keeping crashes, inflation, and recoveries in the order they actually happened. No assumed bell curve, just what markets have really done. You get a range of outcomes and how often your plan holds up, not one optimistic figure. It also pulls from global market history rather than just the US, which most tools lean on and which makes plans look safer than they are. The quick check is free and needs no sign-up. Canadian tax, CPP, and OAS are modeled in the full planner. I'd really value feedback on the methodology and anything that's unclear. Ask me anything.

how do you decide which historical market scenarios to weight more heavily, or is it a straight replay of each period from the actual data

Canadian CPP and OAS being built in is a nice touch, and seeing a range of outcomes instead of one clean line finally makes the risk feel real. Wish I had this when planning my RRSP drawdown.

how do you decide which historical market scenarios to weight more heavily, or is it a straight replay of each period from the actual data

Canadian CPP and OAS being built in is a nice touch, and seeing a range of outcomes instead of one clean line finally makes the risk feel real. Wish I had this when planning my RRSP drawdown.

Foresight Planner

Plan your financial life against real market history

Plan your financial life against real market history