Private by default
Your financial information stays in your browser.Browser-local financial data.
Finance for families. Room for life.
Calm money tools
for Canadian families.
Understand your numbers, explore different choices, and see how they could affect your family's future.
- No account needed
- Calculations stay in your browser
A little clarity for the everyday—and the life you’re building together.
Could we invest more and still visit family?
Compare how one change could affect your cash, investments and a family goal.
Fictional example · monthly investing
Now$300 per month
Try instead$400 per month
Get clarity on the question in front of you.
Work through a mortgage, budget, cash-flow or savings calculation.
What could our mortgage payment be?
Where is our monthly money going?
How could regular savings add up?Understand the ideas behind your choices.
Plain-language guides for Canadian family finances.
HOME & MORTGAGESHow a mortgage works — the basicsEDUCATION SAVINGSRESP basics for busy parentsSAVING & INVESTINGRRSP or TFSA: understanding the difference
Explore Learn Browser calculations
Your inputs are calculated on your device.Inputs stay on your device.
Clear trade-offs
See what changes before you decide.
Canadian context
Canadian context for real household decisions.Built for Canadian households.
Decision Lab · Connected family futures
Your family's goals do not happen one at a time.
A change in one part of family life can affect another. Put your everyday money, investments and goals in the same picture before you decide.
- What if we changed our monthly investing?
- What if income or spending changed for a few months?
- What if a family goal needed more time—or more money?
No account or automatic saving. Start with an example or your own numbers.
Start with a question
What would you like clarity on today?
Choose the decision in front of you. Each tool works independently and uses the numbers you provide.
Homes
Mortgage Payment
Estimate payments across rate, term and amortization.
Homes
Mortgage Renewal
Explore payment and term choices before your upcoming renewal.Explore payment and term choices for renewal.
Homes
Mortgage Prepayment
See how extra payments affect payoff time and interest.See how extra payments change payoff timing.
Education
RESP Planner
Project contributions, grants and growth assumptions.
Retirement
RRSP Growth
Explore how contributions and time shape savings.
Your household
Your Finances
See net worth, home equity and snapshot progress in one view.See net worth, home equity and saved progress.
Net worth$412,650
Illustrative preview
Assets$738,400
Debts$325,750
Home equity$278,900
Historical snapshotsProgress over time
Featured experience
See your financial picture clearly.
Your Finances brings the core parts of your household balance sheet into one calm view—without an account or a sales conversation.See the core parts of your household balance sheet in one calm, browser-saved view.
- See net worth, assets, debts and home equity
- Save historical snapshots in your browser
- Understand progress without a score or prediction
How it works
Three steps to a clearer decision.
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1
Start with one question
Focus on the decision that matters right now.
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2
Use your real numbers
Bring your income, balances and timeline.
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3
See the trade-offs clearly
Understand the effect before you decide.
Built around real life
Real goals rarely fit in one calculator.
Use the tools that fit the decisions your household is actually balancing.
Managing a mortgage
Payment, renewal and prepayment decisions.
Saving for education
RESP contributions, grants and long-term growth assumptions.
Balancing today and retirement
Savings and retirement alongside today’s cash-flow needs.