退休规划应用对比：加拿大
没有绝对最好的应用：取决于您的需要。这里的每个应用都可用于这个国家的规划；其信息来自其自己的公开页面，Family Office 的信息来自其自身代码。Family Office 是我们开发的，请在阅读我们的内容时考虑到这一点。
关于其他应用的部分为英文，与其自己的页面一致。
Family Office 在这个国家涵盖的内容
| 加拿大税务 | 联邦和省所得税（13 种税制，每个省和地区各一种）、按纳入比例计算的资本利得、含加计和抵免的股息、OAS 回收税和 RRIF 最低提取额，在计划中逐年计算；以及身故时对 RRSP、RRIF、LIRA 和 LIF 余额征收的税 |
|---|---|
| 养老金 | RRSP、RRIF、LIRA、LIF、TFSA、FHSA、RESP、CPP、QPP 和 OAS；其他养老收入按年金处理 |
| 银行连接 | 通过 Plaid（加拿大）：Premium 方案 2 个，Gold 和 Platinum 方案 10 个 |
| 其他国家 | 34 个国家的 122 种税制；Premium 及以上方案可在计划中从一种迁到另一种 |
| 数据存放地点 | 伦敦的 Amazon Web Services（eu-west-2）；银行连接（Plaid）、付款（Stripe）和地图（Google）通过美国服务商；电子邮件通过 Google Workspace；完整列表见隐私政策 |
并排对比
| 应用 | 银行连接 | 免费方案 | 价格 | 蒙特卡洛模拟 |
|---|---|---|---|---|
| Family Office（我们的） | 通过 Plaid（加拿大）：Premium 方案 2 个，Gold 和 Platinum 方案 10 个 | 有，无需银行卡，不限时间：最多 8 个项目、一位纳税人，预测 5 个期间。付费方案先免费 14 天，需要银行卡。计算器免费，无需账户。 | 每月 CA$20 至 CA$79（US$15 至 US$59，£12 至 £49）；按年付费只需 10 个月的价格 | 所有方案（含免费方案）都显示成功概率；Gold 和 Platinum 方案提供路径和扇形图 |
| Family Office 对比 ProjectionLab | None: no link to your accounts | Yes: forecasting, Monte Carlo and historical backtesting | Premium $129 a year; Pro $549 a year for advisers | Yes, on every plan, with historical backtesting |
| Family Office 对比 Monarch | Yes, through Plaid, Finicity, MX and Spinwheel | None listed; the first week is free | $14.99 a month or $99.99 a year; Monarch Plus $199 a year | 未说明 |
| Family Office 对比 Optiml | Through Wealthica, on Pro+ and Legacy | Optiml Lite, a free calculator: its data is processed locally and never stored on Optiml's servers; 14 days free on the paid plans | Essentials CAD 9.99 a month or 99 a year; Pro+ CAD 24.99 or 249; Legacy CAD 49.99 or 499 | A Success Score from up to 50 Monte Carlo scenarios and six market histories, on Pro+ and Legacy |
| Family Office 对比 Adviice | 未说明 | 未说明 | $9 a month or $49 a year | A stress test that gives the plan's success rate; its help page prefers historical periods to Monte Carlo |
| Family Office 对比 电子表格 | You type or paste the figures | Yes: LibreOffice Calc is free | Free with LibreOffice | Possible if you build it |
ProjectionLab
ProjectionLab is a planning tool with forecasting, Monte Carlo and historical backtesting on its free plan, presets for several countries including the UK, and a Pro plan for advisers.
Monarch
Monarch is a budgeting and net worth app for households in the US and Canada, made to share with a partner or a professional; Monarch Plus adds forecasting and business tracking.
Optiml
Optiml is a Canadian retirement planner that optimises withdrawals and tax across the provinces and territories, in English and French, with a Legacy plan for holding companies and trusts.
Adviice
Adviice offers affordable, easy-to-understand retirement planning for everyday Canadians, with optional help from an advice-only planner.
电子表格
A spreadsheet suits someone who wants to see and change every formula, and is happy to build and update them.
其他对比
其他应用的信息核对于 2026-11-10。价格和功能会变化：以各应用自己的页面为准。