CA+US Parallel49
Parallel49 · Cross-border planning

Two Currencies,
One Number

Financial planning tools for Canadians living and investing in the United States — CoastFIRE retirement math, departure tax, RRSP withholding, benefit timing, and moving back, all tracking your accounts in their native currencies.

Local-only Open-source No account No ads
1 Enter your CAD + USD accounts
→
2 See one retirement number
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3 Get your action items
Calculate your CoastFIRE number →

Living cross-border complicates your financial picture. Your accounts sit in two currencies, under two tax systems, and not every wrapper is treated the same way by both governments. These tools keep your Canadian and US accounts separate until the very last step, converting only the totals, and flag the account-level quirks that matter for someone in your position.

These tools are not tax, legal, or immigration advice. They don't model cross-border taxation — treat every dollar figure as a pre-tax planning target. Cross-border tax rules (RRSP/TFSA treatment, PFIC, FBAR/FATCA, departure tax, totalization) are genuinely complex and change; work with a cross-border-specialist accountant or financial planner before acting on this.
Private by default. Every number you type stays in your browser's local storage — there's no account, no sign-up, and nothing is ever sent to a server.

Your snapshot

Fill in any tool below and your combined portfolio, CoastFIRE number, and progress will show up here automatically.

Not sure where to start?

Answer one quick question and we'll point you at the right tool.

All tools

Jump straight to any tool below — nothing here requires filling out the others first.

CoastFIRE Calculator
The core cross-border retirement calculator — see when your portfolio can coast.
Start here →
Your Action Items
A prioritized checklist of deadlines and to-dos based on what you've entered.
Try it →
Departure Tax Estimator
Leaving Canada? Estimate the one-time deemed-disposition tax bill.
Try it →
RRSP Withholding Tax
See how much Canada withholds when you draw down your RRSP as a US resident.
Try it →
Benefit Claiming-Age Optimizer
Compare claiming CPP, OAS & Social Security early vs. late.
Try it →
Drawdown-Order Optimizer
Sequence RRSP, TFSA, 401(k)/IRA, Roth & taxable withdrawals to minimize tax in retirement.
Try it →
Moving Back to Canada
Re-entering Canada? See what happens to each account and whether exit-tax rules apply.
Try it →
Compare Scenarios
Put 2-3 saved scenarios side by side — key numbers and portfolio path, without touching your current inputs.
Try it →

Frequently asked questions

Is this free, and do you store my financial data?
Yes to both. Everything you enter stays in your browser's local storage on your own device — nothing is uploaded to us, there's no account to create, and there are no ads. You can clear your data at any time by clearing your browser's site storage.
Is this tax, legal, or immigration advice?
No. These are planning calculators built from publicly documented CRA/IRS rules and treaty provisions, meant to help you understand the shape of your situation and prepare better questions for a cross-border accountant or advisor — not a substitute for one.
What is CoastFIRE?
A version of financial independence where your existing investments, left to grow with no further contributions, are already projected to cover your retirement — meaning you can "coast" on what you've already saved. The CoastFIRE Calculator is the core tool on this site; every other tool builds on the same account and benefit inputs.
Which countries does this cover?
Canada and the US specifically — for Canadians living, working, or planning to move between the two, tracking RRSP/TFSA/FHSA/RESP alongside 401(k)/IRA/Roth/HSA accounts, CAD and USD together. It isn't built for other country pairs.
Are the CPP, OAS, and Social Security amounts calculated for me?
No — you enter your own estimated monthly amounts (from your Service Canada or ssa.gov statement), and the tools apply the published early/late claiming-age adjustments on top of what you provide. Quebec residents can toggle a "Quebec resident?" setting in the CoastFIRE Calculator's Government Benefits section so these fields are labeled QPP instead of CPP — the claiming-age math is the same for both.
Can I plan for a spouse or partner too?
Yes — enable "Planning with a spouse or partner?" on the CoastFIRE Calculator to add a second independent age and government-benefit claiming schedule. Accounts stay pooled as one household total rather than tracked per person, and both spouses share one household retirement date.
Figures current as of 2026
  • 2026 — CPP, OAS & Social Security maximums, HSA contribution limits, the capital gains inclusion rate, and moving-back thresholds are all updated for 2026.
  • Jan 2025 — Social Security Fairness Act repeal of WEP/GPO reflected in the Benefit Timing amounts.
  • Last independently verified: August 2026 — CPP/OAS/SS figures, RRSP withholding rates, and the 2026 US tax brackets checked directly against CRA, IRS, and SSA publications.