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🍁 Free Canadian Financial Planning

Your financial future starts with one strong opinion.

Free tools that answer the questions every Canadian family is asking right now.

9
Free tools
10
Provinces
2026
Tax rates
$0
Cost. Ever.
Entering in 8s
Where would you like to start?
🍁 All tools are free · No signup · Updated for 2026 · All 10 Canadian provinces
Tool 1 · TFSA

Your exact TFSA contribution room tracker.

Tell us your birth year and immigration status — we calculate your exact room year by year.

Your situation
🇨🇦 Born in Canada / Citizen since birth
Room starts when you turned 18, or 2009 — whichever is later
✈️ Immigrated to Canada
Room starts the year you arrived as a tax resident — not from 2009
📋 Became PR / Tax Resident later
Same as above — room starts when you became a Canadian tax resident
Your TFSA room
$109,000
total available room
Eligible since2009
Total available room$109,000
Total contributed$0
Remaining room$109,000
New room Jan 1, 2027$7,000
Always verify your exact room at CRA My Account — their records are the official source.
📄 Your results are ready.
Your personalised TFSA room calculation with year-by-year breakdown.
Tool 2 · RRSP

If I contribute to RRSP, how much do I get back?

See your exact tax refund using real 2026 federal + provincial rates for your province.

Uses 2026 combined federal + provincial marginal tax rates. Actual refund depends on all income sources — this is a planning estimate.
Your estimated tax refund
$1,855
back in your pocket next April
Your income$75,000
RRSP contribution$5,000
ProvinceOntario
Marginal tax rate37.1%
Real cost after refund$3,145
💡 The RRSP Refund Strategy
Put your RRSP refund straight into your TFSA. The government is effectively funding your tax-free account.
📄 Your results are ready.
Your estimated RRSP tax refund using 2026 provincial rates.
Tool 3 · Calculators

Loan & Savings Tools.

Loan payment, early payoff, savings goal and compound growth — all in one place.

What will my loan payment be?

1%30%
1 yr10 yrs
Your loan breakdown
$293
monthly payment
Loan amount$15,000
Total repaid$17,580
Total interest$2,580
Interest as % of loan17.2%

How much do I save with extra payments?

1%25%
1 yr15 yrs
Early payoff breakdown
$1,840
total interest saved
Required payment$495/mo
With extra payment$695/mo
Original payoff5 yrs 0 mo
New payoff3 yrs 8 mo
Time saved1 yr 4 mo

How much do I need to save per month?

1 yr30 yrs
0%12%
Your savings plan
$307
per month to reach your goal
Savings goal$20,000
Total contributions$18,420
Interest earned$1,580

How much will my investments grow?

1%15%
1 yr40 yrs
Portfolio projection
$274,000
projected value
Initial investment$5,000
Total contributions$125,000
Compound growth$144,000
Return on investment109%
📄 Your results are ready.
Your loan & savings calculator results summary.
Tool 4 · Mortgage

Canadian Mortgage Calculator.

Proper semi-annual compounding as required by Canadian law. Full amortisation table included.

🏠
First-Time Buyer Tip
Combine FHSA ($40K) + RRSP HBP ($35K) = up to $75,000 tax-free toward your down payment.
📉
Stress Test
You must qualify at your rate + 2% (min 5.25%). Budget conservatively.
Mortgage Calculator
1%12%
📄 Your results are ready.
Full mortgage breakdown with amortisation summary.
Tool 5 · First Home

First Home Savings — FHSA + RRSP HBP.

Canada's most powerful first-home strategy: combine FHSA ($40,000) and RRSP Home Buyers' Plan ($35,000) for up to $75,000 tax-free toward your down payment.

FHSA Key Facts
✅ Annual limit: $8,000/year
✅ Lifetime limit: $40,000 total
✅ Tax deduction like RRSP
✅ Tax-free withdrawal for first home
✅ Never repay it (unlike HBP)
✅ Opens contribution room immediately — open yours today
1 yr15 yrs
2%10%
15%54%
Monthly savings needed
$1,132
per month to reach your goal
Down payment goal$75,000
Your contributions$67,920
Investment growth$7,080
Est. annual tax refund$2,640
FHSA annual limit$8,000/yr max
📄 Your results are ready.
Your personalised FHSA + HBP first home savings plan.
Tool 6 · Retirement

Am I on track for retirement?

Quick retirement snapshot. Enter your savings and income — see if you're ahead, behind, or right on track.

Your retirement snapshot
📊
Enter your details to see your snapshot.
Years until retirement30 years
Projected savings$0
Savings needed$0
Surplus / Gap—
📄 Your results are ready.
Your retirement projection and on-track assessment.
Tool 7 · RESP

Child's Education — RESP + CESG.

Open an RESP and the government adds $500 free every year in CESG grants — up to $7,200 lifetime per child.

CESG Grant — Free Money
✅ Government adds 20% on first $2,500/year
✅ That's $500 free per year
✅ Maximum $7,200 lifetime per child
✅ Contribute $2,500 annually to maximize grants
✅ Start at birth — 17 years of compound growth
2%10%
Monthly contribution needed
$183
per month to reach your goal
Years to save15 years
Your contributions$32,940
Free CESG grants$7,200
Investment growth$9,860
📄 Your results are ready.
Your RESP + CESG education savings plan.
Tool 8 · Financial Plan

Your Personalised Financial Plan.

Answer 4 questions and get a personalised account priority plan — built around your income, goals, and situation.

1. What is your approximate annual income?
Under $50,000
$50,000 – $80,000
$80,000 – $120,000
Over $120,000
2. What is your main financial goal?
Buy my first home
Save for retirement
Build an emergency fund
General savings / investing
3. Do you have TFSA room available?
Yes — I have unused room
No — I've maxed it out
Not sure
4. Are you planning to buy a home in the next 5–10 years?
Yes, definitely
Maybe — not sure yet
No / Already own
🎯
Answer the 4 questions and your personalised account priority plan will appear here.
📄 Your results are ready.
Your personalised Canadian financial plan — all 4 recommendations.
Guide · Investing

Where to Invest — TFSA vs RRSP?

Both accounts shelter your money from tax — but in opposite ways. The right choice depends on your income today versus your expected income in retirement.

Quick Answer — What is your income?
💚
Under $50,000
Start with TFSA
🤝
$50K – $100K
Use both
💰
Over $100,000
Prioritize RRSP
🏦
TFSA
Tax-Free Savings Account
✅ Contribute after-tax dollars
✅ Growth & withdrawals always tax-free
✅ Withdraw anytime — no tax, no penalty
✅ Room restored next January 1
✅ No effect on OAS/GIS benefits
✅ 2026 limit: $7,000/year
📊
RRSP
Retirement Savings Plan
✅ Contributions reduce taxable income today
✅ Tax-deferred growth
✅ Pay tax only when you withdraw
✅ Best when income is higher now than at retirement
✅ Home Buyers Plan: $35,000 tax-free
✅ 2026 limit: $33,810/year
🍁 The Strong Opinion Strategy
Max your TFSA first. Then RRSP. Then put your RRSP refund into your TFSA.

Contribute to RRSP → get the tax refund → put that refund straight into your TFSA. At $80,000 income in Ontario, a $10,000 RRSP contribution returns ~$3,700. Invest that tax-free in your TFSA. It compounds for decades and you owe CRA nothing.

📄 Your results are ready.
Your personalised TFSA vs RRSP recommendation.