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RetireZest Review

Depends

Should I use RetireZest?

Plan your Canadian retirement with tax-accurate CPP, OAS, RRIF and TFSA numbers. See your Zest Score™, compare 8 withdrawal strategies, free to start. - retirezest.com

· 3 days ago

DIY Canadians near retirement buy this to model CPP, OAS, RRIF, and TFSA withdrawals without an advisor. Americans, advice-seekers, and anyone who will not hand-enter every balance do not.

Confidence

Medium. Based on 12 public sources; no independent user reviews found.

Ratings

  • Value for money
  • Ease of use
  • Feature depth
  • Support qualityNo support evidence in sources
  • Security posture

Pricing

CAD 0

Free

ModelNot disclosed
Monthly feesNot disclosed
HardwareNot disclosed
Free tierYes
PremiumNot published in reviewed sources
For AdvisorsPer advisor, CAD (not published)

Best for

  • Canadians 50 to 90 comparing withdrawal strategies
  • DIY planners timing CPP and OAS claims
  • Budget-conscious users testing scenarios free

Not for

  • Americans; it models Canadian tax rules only
  • Anyone wanting licensed advice; the tool disclaims it
  • People who refuse manual data entry
  • Guess: cross-border retirees with US accounts

Gotchas - check before you buy

medium

Free plan allows 10 simulations total, then 5 per month; heavy what-if testing pushes you to Premium

medium

Premium price is not published on the reviewed pages; confirm before committing

medium

Switching planners means re-entering every figure by hand; no bank sync or export noted

low

Advisor pricing is separate, per advisor, in CAD, apart from consumer plans

Pros and cons

Pros

  • Free tier includes Zest Score and 8-strategy comparison without a credit card
  • Simulates year by year into your 90s under 2026 Canadian tax rules
  • Never connects to banks and stores no banking credentials
  • Publishes detailed security controls: bcrypt, HSTS, CSRF tokens, Canadian-hosted database
  • Runs fully self-serve with education-first content, no advisor required

Cons

  • ScamAdviser reports negative indicators and labels the site a possible scam
  • GridinSoft trust score is only 71/100
  • Site cites Scam Detector 100/100, an algorithmic check, not user reviews
  • Educational tool, explicitly not financial advice
  • Every balance, income, and expense figure must be entered manually

Sources & method

- 12 sources - No known vulnerabilities found in the sources reviewed.

official x6review x4security x1news x1

Key stats

  • Value for money: 4/5

    Rating

  • CAD 0

    Starting price

  • 12

    Sources

  • Analyzed

  • Value for money: 4/5. Generous free tier with core features, no card
  • Ease of use: 4/5. Self-serve design, education-first, no advisor needed
  • Feature depth: 4/5. Year-by-year sims, 8 withdrawal strategies, 2026 tax rules
  • Support quality. No support evidence in sources
  • Security posture: 4/5. Detailed controls published, no bank credentials stored
  • 100/100 Scam Detector trust Automated validator, 53 factors
  • 71/100 GridinSoft trust Rated generally safe
  • Yes Free tier 10 simulations, then 5/month, no card
  • CAD 0 Starting price Premium adds unlimited simulations

Pricing

Free

CAD 0

  • 10 simulations, then 5 per month
  • Zest Score and strategy comparison
  • Strategy Fit included, no credit card

Premium

Not published in reviewed sources

  • Unlimited simulations
  • Retains your plan data

For Advisors

Per advisor, CAD (not published)

  • Advisor-facing planning features
  • Separate from consumer pricing

Security

No known vulnerabilities found in the sources reviewed.

What users say

sources show no independent user reviews, automated trust scores and company pages.

Full analysis

Based on 12 public sources; no independent user reviews found.

Free Canadian retirement simulator, solid security page, thin independent reviews. Try the free tier first.

Methodology

Based on 12 public sources; no independent user reviews found.

Read how a report is made.

Sources

  1. retirezest.com Reviews | check if site is scam or legitscamadviser.com
    review
  2. Retirezest.com Review: Is It Safe? (71/100 Trust Score)gridinsoft.com
    review
  3. retirezest.com Reviews: Is this site a scam or legit?scam-detector.com
    review
  4. Product security pageretirezest.com
    security
  5. Pricing — Free & Premium Retirement Planning Plansretirezest.com
    official
  6. What Is RetireZest? Canadian Retirement Planner Explainedretirezest.com
    official
  7. RetireZest — Canadian Retirement Planning | CPP, OAS, RRSPretirezest.com
    official
  8. For Advisors — Retirement Planning That Wins the Meetingretirezest.com
    official
  9. How RetireZest Helps You Learn — Education First, Alwaysretirezest.com
    official
  10. Best Retirement Planning Software Canada: 2026retirezest.com
    official
  11. Retirement planning software for individuals: Canada and USwiseplanwealth.com
    review
  12. RetireZest on LinkedInca.linkedin.com
    news

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