chrgr
A free second opinion on retirement

We make retirement legible.

Aggregate everything you own and owe. Get a deterministic answer to the question that keeps you up at night — am I actually on track? — plus ranked ideas to supercharge the plan. Free. Canadian. No advice, no sales pitch.

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No credit card. Your data stays yours — delete it any time.
How it works
01

Aggregate everything

Connect your bank accounts and upload investment statements, insurance policies, and tax slips. chrgr reads them all — no spreadsheets, no manual entry.

02

Get the deterministic math

A transparent projection engine computes your readiness score from real inputs — savings, fees, CPP/OAS, your retirement activities — with every assumption on the table.

03

Supercharge the plan

Ranked, concrete ideas to improve your outcome — each with the exact number of readiness points it's worth. Pick the ones that fit your life.

A sample signal desk

One number, then the numbers behind it.

An anonymized illustration: a 42-year-old in Ontario, $250k invested, saving $12k a year, dreaming of a travel-heavy retirement. Every figure below is computed, not guessed.

min(100, 100 × projected income / target need) — the whole formula, on the table
Current trajectory
$0k$341k$683k$1024k$1366kRETIRE @ 65$1,365,731age 42age 90
Projected monthly income
$9,898
portfolio + CPP + OAS, real dollars
Income gap
+$5,898/mo
against the activity-based target need
Portfolio at retirement
$1,365,731
inflation-adjusted
Top supercharge levers, ranked by Δreadiness
Save an extra $500/month
Raises projected retirement income and moves readiness 100 → 100.
+0.0
Cut investment fees to ~0.2%
A 1% annual fee can erase a fifth or more of terminal wealth over 30 years. Switching to low-cost funds moves readiness 100 → 100.
+0.0
Optimize asset location (RRSP/TFSA first)
Holding the right assets in registered accounts first is worth roughly +0.2%/yr (heuristic). Moves readiness 100 → 100.
+0.0
The honest part

Not financial advice. Deliberately.

chrgr is an analytics engine. It reads your numbers, runs deterministic math, and surfaces ideas — it never moves money, never executes trades, and never sells you a product. That's the point of a second opinion.

Retirement goals are captured as activities, not spending estimates: "what does a good week in retirement look like?" beats "how much will you spend?" — because spending estimates inflate, and activities are answerable.

Every assumption is visible, every insight is grounded in numbers the engine computed. If the model can't trace a figure, it doesn't get to say it.

Is your plan actually working?

Ten minutes to connect and upload. A second opinion that takes the numbers seriously.

Get your free second opinion