Homes
Mortgage payments, renewals, prepayments, and long-term cost.
Calm, clear money tools for Canadian families
Family financial tools for Canadians — made clear.
Use simple calculators for the decisions that actually shape family life — mortgage payments, RESP planning, RRSP and TFSA growth, and monthly cash flow.
No signups. No sales energy. Just clear trade-offs using your real numbers.
For example: see whether an extra $350/month works better as mortgage prepayment, RESP savings, or investing.
- Private & anonymous
- No account required
- No sales pressure
Start here
Pick the decision you’re facing right now.
You don’t need a full financial overhaul. Choose one area — Homes, Investing, or Personal Finance — and start with a tool that gives you clarity in minutes.
Investing
RESP, RRSP, TFSA growth — and how to invest calmly over time.
Personal Finance
Budgeting, debt payoff, and cash-flow clarity without guilt.
Most common starting points
Start with the calculator that matches what you’re thinking about.
Most families begin with one question — and end with a clearer plan.
Mortgage Booster
Compare your current mortgage path with different extra payments and see how much time and interest you could save.
Best if your mortgage still feels heavy.
Try Calculator →
RESP Planner
Project how education savings could grow with monthly contributions, grants, and realistic returns.
Best if you’re planning for your children’s future.
Try Calculator →
RRSP Growth Starter
See how consistent investing could grow your retirement savings — and how early changes make a difference.
Best if retirement feels abstract.
Try Calculator →
Family Budget Planner
Understand income, expenses, and surplus in one calm view.
Help see your monthly financial picture.
Try Calculator →FinForFam is a free collection of personal finance and investment planning tools designed specifically for Canadian families.
What you can explore
Use FinForFam to explore mortgage planning with our Mortgage Prepayment Calculator, plan education savings using an RESP Savings Calculator, build retirement projections with an RRSP Growth Calculator, or bring everything together in a Family Finance Snapshot.
How it works
Three small steps to clearer financial decisions.
No financial overhaul. No “perfect plan.” Just clarity, one question at a time.
1
Start with what’s actually bothering you
Not “financial planning.” Just one real question — like whether extra mortgage payments beat investing, or how much RESP savings is enough.
2
Use your real numbers
Your income. Your balances. Your timeline. No industry averages or sales-driven assumptions.
3
See trade-offs clearly
Understand what changes — and what doesn’t — before you decide. Everything updates in one calm, understandable view.
Who it’s for
If you’re not ultra-wealthy, not in crisis — but want to be intentional — you’re in the right place.
FinForFam is built for Canadian households with a mortgage, some savings, maybe investments — and a desire to make smarter decisions with what they already have.
Young families with a mortgage
See how extra payments change your payoff timeline and interest cost — and whether investing might make more sense.
Parents planning for school
Understand what steady RESP contributions could realistically grow into — without fear-based rules or pressure.
Couples thinking long-term
Explore how RRSP contributions add up over time and how they fit alongside mortgage, TFSA, RESP, and everyday life.
A calm note
Each tool works on its own — but they’re designed to work better together. Start with one question, then come back when the next one shows up.