Why LazyPlan?
How LazyPlan compares
Your family's complete financial picture — taxes, retirement, and benefits — in one place.
Bank-level securityAll 13 provinces
All-in-One
Tax + retirement + TFSA/RRSP in one tool
Household
Plans for you, spouse, and kids together
AI-Powered
Auto-detects deductions and optimizes strategy
Side-by-side comparison
LazyPlan vs Excel, TurboTax, Wealthsimple, and hiring a CFP.
| Feature | LazyPlan | Excel / DIY | Tax Software | Financial Planner |
|---|---|---|---|---|
| Price | From $0 (free) to $16.58/mo | Free (your time is the cost) | $0-$50/year (filing only) | $2,000-$5,000/year |
| Tax Optimization | All 13 provinces, 100+ deductions | Manual - you need to know the rules | Filing only - no forward planning | Yes, but generic advice |
| Family Planning | Spouse + children + income splitting | Manual formulas per person | Individual filing only | Depends on advisor scope |
| TFSA vs RRSP Advice | AI-powered, based on your marginal rate | You research it yourself | Not included | Yes, but $200+/hour |
| Retirement Projection | CPP/OAS optimizer + 30-year forecast | Build your own spreadsheet | Not included | Yes, annually updated |
| AI-Powered | ||||
| Time to First Insight | 2 minutes | 3+ hours | Tax season only | 2-4 weeks (booking + meeting) |
| Ongoing Updates | Auto-updated tax rates + limits | You update manually each year | Once per tax season | Annual review meeting |
LazyPlan
PriceFrom $0 (free) to $16.58/mo
Tax OptimizationAll 13 provinces, 100+ deductions
Family PlanningSpouse + children + income splitting
TFSA vs RRSP AdviceAI-powered, based on your marginal rate
Retirement ProjectionCPP/OAS optimizer + 30-year forecast
AI-Powered
Time to First Insight2 minutes
Ongoing UpdatesAuto-updated tax rates + limits
Excel / DIY
PriceFree (your time is the cost)
Tax OptimizationManual - you need to know the rules
Family PlanningManual formulas per person
TFSA vs RRSP AdviceYou research it yourself
Retirement ProjectionBuild your own spreadsheet
AI-Powered
Time to First Insight3+ hours
Ongoing UpdatesYou update manually each year
Tax Software
Price$0-$50/year (filing only)
Tax OptimizationFiling only - no forward planning
Family PlanningIndividual filing only
TFSA vs RRSP AdviceNot included
Retirement ProjectionNot included
AI-Powered
Time to First InsightTax season only
Ongoing UpdatesOnce per tax season
Financial Planner
Price$2,000-$5,000/year
Tax OptimizationYes, but generic advice
Family PlanningDepends on advisor scope
TFSA vs RRSP AdviceYes, but $200+/hour
Retirement ProjectionYes, annually updated
AI-Powered
Time to First Insight2-4 weeks (booking + meeting)
Ongoing UpdatesAnnual review meeting
Who should use what?
Choose LazyPlan if you...
- Want a full family financial picture
- Need TFSA vs RRSP optimization
- Want CPP/OAS retirement projections
- Prefer AI over spreadsheets
Consider alternatives if you...
- —Only need tax filing → TurboTax
- —Complex business structure → CPA
- —In-person estate planning → CFP
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