MayRetire @MayRetire

New MayRetire feature: Gradual LIF Unlocking This feature was suggested by one of MayRetire’s expert users. MayRetire now supports Gradual LIF Unlocking. When enabled, it can model the tax-deferred transfer of unused annual LIF maximum withdrawal room into an RRSP/RRIF, where this strategy is supported by the LIF jurisdiction. This can be especially useful for plans with locked-in retirement funds, because it may affect future flexibility, withdrawal planning, and long-term tax projections. If you have a LIF/LIRA in your plan, it may be worth checking whether this new option changes your retirement projection.

Another MayRetire Zoom presentation by @67Dodge on June 11 7pm. Registration link: us06web.zoom.us/.../register/l…

MayRetire Backtesting Update Based on user feedback, I’ve updated how historical backtesting works. Previously, if a retirement plan extended beyond the available historical return sequence, MayRetire filled the remaining years using deterministic projection assumptions. That could make some backtest periods less purely historical. Now, backtesting uses only the historical return sequence. If a plan runs past the latest historical year, the sequence wraps back to the first historical year, so every starting year gets a full-length test without mixing in projected returns. You may now see wrapped periods labeled with ~, for example: 2003~1973. That means the sequence starts in 2003, reaches the end of the historical data, then continues from the beginning of the historical sequence through 1973. If you’ve used MayRetire backtesting before, it may be worth running your plan again to see whether this change affects your historical backtest results Thanks to the users who pointed this out and helped make the backtest results clearer and more consistent

MayRetire now has initial support for Whole Life Insurance and similar permanent policies with fixed premiums and predictable death benefits. You can enter an existing policy or test how adding a new policy might affect your retirement plan. The model is intentionally simplified: annual premium, payment duration, current death benefit, and optional benefit growth. That is enough to capture many of the insurance effects that matter in retirement planning, including premium cash flow, survivor support, and estate impact. This can be especially useful for couple plans, where insurance may change survivor security and final estate outcomes. Try it to see how insurance affects: - survivor planning - estate value - premium cash-flow needs debt or collateral-loan scenarios, if applicable Use actual policy details where possible and review assumptions carefully.

New in MayRetire: Borrow only when needed You can now model debt as a retirement safety net instead of a planned annual draw. With the new Borrow only when needed option, MayRetire will only use borrowing if other funding sources are not enough to support your required income. If the plan never needs the extra cash, no borrowing happens. This can help test resilience against difficult scenarios like poor sequence of returns, expensive late-life care, or other unexpected cash needs. It can also help model backstop strategies such as a HELOC, reverse-mortgage-style borrowing, or borrowing against permanent life insurance. Set an annual borrowing limit, optional maximum debt balance, and see exactly when borrowing is triggered, how much is used, and how it affects income, debt balance, and final estate.

MayRetire video intro by @67Dodge youtube.com/watch?v=viLuB6…

MayRetire now supports principal residence planning. You can include your home directly in a retirement plan and test different paths: * keep it to the end and include it in the estate * sell it later and use the proceeds * downsize and account for either extra cash or a shortfall This can make a huge difference when looking at long-term estate value, especially for households where the home is one of the biggest assets. We also enhanced debt planning so it can handle reverse-mortgage-style scenarios. That opens up some interesting “what if things get tight?” planning: instead of assuming the only options are sell investments or fail the plan, you can test whether borrowing against home equity could provide a safety buffer in more challenging cases

MayRetire can now model debts that start later in retirement, not only debts that already exist today. You can set the year the debt begins, the initial borrowing amount, interest rate, and repayment style. Future debt balances are included in projections, charts, estate calculations. Compare Plans now lets you compare debt balances and annual debt payments across scenarios.

MayRetire has been updated with the FP Canada 2026 Projection Assumption Guidelines. Inflation stays at 2.1%, but most equity return assumptions were adjusted slightly lower. We also updated volatility and asset correlation assumptions used in simulations. Run your plan again with the new FP Canada guideline assumptions and see what changed. Reminder: MayRetire’s Investment Portfolios feature lets you set custom rates of return for each portfolio if your own assumptions differ

New in MayRetire: Investment Portfolios A major new feature, shaped heavily by user requests. You can now model separate taxable portfolios alongside the regular non-registered account, each with its own ownership share, asset allocation, capital-access rules, distribution policy, and return assumptions. This makes it possible to: - Split taxable assets into portfolios with different ownership shares or asset allocations. - Model an income-focused portfolio where distributions are prioritized for withdrawal before other optional income sources, while capital can remain protected until needed. - Set aside part of taxable capital for a specific purpose, while leaving other capital available for normal retirement spending. - Plan when a separate taxable portfolio should become available for spending or be sold and merged into the regular non-registered account. - Use FP Canada asset-class assumptions for each portfolio when those categories are enough. - Customize an income portfolio with separate price appreciation, distribution yield, tax-treatment mix, and market behavior through a reference allocation and correlation (Beta). Try it now if this matches something you have been trying to model. To learn more about Investment Portfolios, visit: mayretire.com/resources/tuto… As always with a new major feature, there may be rough edges, so feedback and suggestions are very welcome. MayRetire is becoming a truly community-driven planning tool!

We have just rolled out the Annual Cash Flow Chart. While this new chart doesn't expose any new data that wasn't already in your plan, it visualizes your annual numbers in a much more expressive and intuitive way: MayRetire maps your annual, inflation-adjusted data to show you exactly where your money comes from and where it goes. It makes understanding the balance between your income, your taxes, and your spending easier than ever. We also understand that a growing number of charts can sometimes feel overwhelming, and not every visual is useful for every user. That is why MayRetire allows you to easily hide any chart—so you can declutter your view and focus only on the metrics that matter most to you.

All are conveniently available for quick asset allocation selection @MayRetire

CutTheCrapInvesting @67Dodge

2 months ago

Portfolio returns for the Vanguard suite of asset allocation ETFs, available at 5 risk levels. To the end of March 2026.

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We heard requests for more visibility into how MayRetire calculates taxes, so we added a new Annual Tax Report. This new report gives a year-by-year view of taxable income, deductions, federal and provincial tax credits, surtax and health premium where applicable, and total tax payable. It’s designed to make the tax side of the plan easier to review and easier to trust. You can switch between Detailed and Compact views, and also view amounts in either Today's dollars or Future dollars.

A look at a retirement cash flow review using @MayRetire You can also sign up for a how-to-use MayRetire Zoom call this Thursday. 12 pm EST or 7 pm EST. The links are in the post. cutthecrapinvesting.com/2026/04/05/glo…

MayRetire now supports debt planning for mortgages, HELOCs, and loans. This first step brings debt payments into retirement cash flow, taxes, estate impact, and detailed projections, making it easier to see how debt changes the full retirement picture.

Dale Roberts from Cut the Crap Investing (@67Dodge) is hosting a Zoom meeting on April 16th to walk through MayRetire's features and demonstrate how to optimize a retirement plan using the software. You can join a 12 pm or 7 pm EST session this Thursday, April 16th. Time: Apr 16, 2026 12:00 PM Eastern Time Join Zoom Meeting: us06web.zoom.us/j/86501370741... Enter this Passcode: 156627 Meeting ID: 865 0137 0741 Time: Apr 16, 2026 07:00 PM Eastern Time Join Zoom Meeting: us06web.zoom.us/j/88085678747... Enter this Passcode: 828943 Meeting ID: 585 884 9710

💡 Quick Tip for MayRetire Users: Wondering how to model a home sale, downsizing, or an inheritance? You don't need a complicated workaround. Just add it as 'Extra Income', set it to 'Tax Free', and click 'Once' at the bottom. Check out the screenshot below to see exactly how to set it up!

MayRetire now supports charitable donation planning, one of the most requested features from our users. You can now model: * after-tax cash donations * in-kind donations from non-registered investments * corporate in-kind donations This first iteration helps make charitable giving part of a more tax-efficient retirement plan, with donation amounts and related tax credits reflected in results, charts, tables, and PDF reports. This is just the beginning. We plan to keep improving donation support as MayRetire evolves based on user feedback.

Dale Roberts from @67Dodge took a recent Globe and Mail 'Financial Facelift' case—featuring DB pensions, variable spending, and a $1.3M inheritance—and ran the numbers through MayRetire. It is a great read on how to stress-test your cash flow while awaiting an inheritance. Check out his full breakdown and see how the plan holds up: cutthecrapinvesting.com/2026/04/05/glo…

CutTheCrapInvesting @67Dodge

2 months ago

New post. I look at a Globe & Mail retirement review scenario and run a retirement cash flow plan at @MayRetire I started playing around with the numbers, next thing I know it turned into a post ... cutthecrapinvesting.com/2026/04/05/glo…

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