Your money, at a glance

You enter everything yourself, so your data stays yours.
There's no bank linking, no accounts to create, and nothing is sent anywhere.

Net Worth

$0

Add accounts to see this update

This Month

$0

Income minus expenses

Registered Room Left

$0

TFSA + RRSP + FHSA combined

Accounts

Contribution Room

Spending by Category (% of monthly expenses)

Net Worth Allocation (% of assets, excl. debt)

Net worth

Add every account by hand, including registered, non-registered, cash, and debt.
This is the number every other tab pulls from.

Accounts

Net worth$0

Import accounts CSV

Net Worth Over Time

Monthly budget

Log recurring income and expenses.
Amounts are normalized to a monthly figure regardless of how often they hit your account.

Income

Monthly income$0

Import CSV

Expenses

Monthly expenses$0

Import CSV

Result

Income − Expenses $0 / month

Debt payoff plan

Pulls in every account tagged "Debt" under Net Worth.
Set an interest rate and minimum payment for each below, then run the plan.

Your debts

Strategy

Method

Extra payment per month, beyond minimums ($)

Projection

Add at least one debt account with a balance, APR, and minimum payment above, then press Calculate.

Contribution room

CRA My Account only updates once a year.
TFSA room updates each spring, and RRSP and FHSA room update after you file taxes.
None of it reflects what you've contributed this year until next year's update, so track it yourself in between to avoid the 1%-a-month TFSA overcontribution penalty.
Figures below use 2026 CRA limits, so confirm your exact room in CRA My Account before contributing near your limit.

TFSA

Year you turned 18 (or 2009 if earlier)

Total TFSA contributions to date (lifetime)

Room used$0 / $0

RRSP

Earned income, previous year

Unused room carried forward (from Notice of Assessment)

Already contributed this year

Room used$0 / $0

FHSA

Year you opened your FHSA

Total FHSA contributions to date (lifetime)

Room used$0 / $0

$8,000 per year, $40,000 lifetime maximum. Haven't opened one yet? Leave blank.

RRSP vs TFSA — this year's savings

The single biggest factor in this decision is your tax rate today versus your tax rate when you eventually withdraw.
This is a simplified version of that comparison, and it doesn't model province-specific brackets, CPP/OAS, or clawbacks.

Amount to save this year ($)

Years until you'll withdraw / retire

Your marginal tax rate today (%) The tax rate on your next dollar of income — check a tax bracket table for your province.

Expected marginal tax rate at withdrawal (%) Usually lower than today's rate if retirement income will be lower than working income.

Expected annual return (%)

Recommendation

Fill in your numbers above and press Calculate.

Retirement outlook

This is a rough, CPP/OAS-aware projection, not a guarantee.
For your real CPP and OAS estimates, check My Service Canada Account.

Your numbers

Current age

Target retirement age

Current retirement savings ($)

Monthly contribution ($)

Expected annual return (%)

Government benefits & goal

Estimated monthly CPP at retirement ($) 2026 max at 65 is $1,507.65/mo — most people get less. CPP can technically start as early as 60 at a reduced amount, but this tool excludes it before 65 to keep the model simple — check My Service Canada Account for your real options.

Estimated monthly OAS at 65 ($) OAS cannot start before age 65 — if your target retirement age is under 65, this is excluded automatically until then.

Other monthly retirement income ($) Dividends, rental income, a pension, part-time work — anything not already counted above.

Desired monthly spending in retirement ($)

Projection

Fill in your numbers and press Calculate.