Investing

Investment tools for Canadian families — made clear.

FinForFam offers simple tools to explore TFSA and RRSP growth, contribution pacing, and long-term investing decisions — without jargon or pressure.

If investing feels overwhelming, start with one question. These calculators help you see the trade-offs clearly, so you can make a confident decision without spreadsheets or sales energy.

Browse investing tools Learn the basics

For example: compare whether an extra $350/month works better as mortgage prepayment or investing.

  • Private & anonymous
  • No signup required
  • No sales pressure
A calm investing snapshot showing TFSA and RRSP growth for a Canadian family

Who it’s for

For families who want to invest — without feeling behind.

Investing doesn’t have to be intense. These tools are built for Canadian households with real priorities: mortgage, kids, savings, and long-term security.

Families deciding TFSA vs RRSP

See how different contribution paths grow over time — and how your timeline changes the “right” choice.

People who want a monthly plan

Find a sustainable contribution pace that fits your life — so investing feels steady, not stressful.

Anyone weighing mortgage vs investing

Compare the trade-offs calmly, using the same monthly surplus — and see which outcome you prefer.

How it works

Three small steps to clearer investing decisions.

No “perfect portfolio.” No finance lecture. Just clarity, one question at a time.

1

Start with one real question

TFSA or RRSP? How much monthly? Mortgage vs investing? Pick the question that’s actually on your mind.

2

Use your real numbers

Your timeline, contributions, and balances — not “industry averages” or best-case assumptions.

3

See trade-offs clearly

Understand what changes — and what doesn’t — before you decide. Calm outputs that make the choice obvious.

What you can explore

Start with a simple projection using the TFSA Growth Helper or RRSP Growth Starter. If you’re choosing between “pay down debt” and “invest,” compare outcomes with Mortgage vs Investing. If cash flow is the limiter, use the Family Budget to find a sustainable monthly pace.

Most common starting points

Start with the tool that matches what you’re thinking about.

Most families begin with one question — and end with a clearer plan.

TFSA growth calculator icon

TFSA Growth Helper

Project tax-free growth with monthly contributions and a realistic return assumption.

Best if flexibility matters.

Try Calculator →
RRSP growth calculator icon

RRSP Growth Starter

See how steady contributions could grow your RRSP between now and retirement.

Best if retirement feels abstract.

Try Calculator →
Mortgage versus investing comparison icon

Mortgage vs RRSP / TFSA

Compare outcomes when extra money goes to your mortgage or into investments.

Best if you have a monthly surplus.

Try Calculator →

These Canadian investing calculators help families explore TFSA and RRSP growth, compare mortgage prepayment vs investing, and plan sustainable monthly contributions.

Learn

Learn the fundamentals (the calm version)

If you want clarity before committing to a decision, start here.

Quick FAQs

Is TFSA always better than RRSP?

No — it depends on your income now vs later, your goals, and how you’ll use the money. The point is to make the trade-off visible.

What return should I assume?

Start conservative, then test a range. A good tool helps you understand sensitivity — not pick a “right” guess.

Should we invest if we still have a mortgage?

Sometimes yes, sometimes no. That’s exactly why mortgage vs investing comparisons matter — it turns anxiety into a clear choice.

These tools are for educational and planning purposes only and do not replace professional financial advice.