Tools and useful next steps
Choose a tool for the question it actually answers. A worksheet or official application may be the better next step.
Start from the question
| Question | Next step | Boundary |
|---|---|---|
| What fits this month? | Family Budget Planner | Enter known income and costs; it does not calculate tax, payroll or benefits. |
| When does money run short? | Cash Flow Snapshot | A monthly picture, not a bank feed or automatic bill scheduler. |
| What does a mortgage payment look like? | Mortgage Payment | Illustrative supported mortgage calculation; not lender approval or the whole cost of housing. |
| How could account savings grow? | TFSA Growth / RRSP Growth | Simplified assumptions; not an authoritative room ledger or personal tax assessment. |
| What might education contributions build? | RESP Planner | Basic CESG illustration; excludes CLB, additional CESG and provincial benefits. |
| How do entered family changes interact? | Decision Lab | Dated scenario exploration; generic investments after modelled fees, before personal taxes. No registered-account eligibility/room, benefit entitlement or retirement-income optimization. |
Keep a projection’s parts visible
Separate starting money, new contributions, growth, fees, borrowing and withdrawals. Read each tool’s assumptions. A higher ending balance can come from larger deposits; it is not automatically a better return. Unsupported cases need another method or qualified help.
For official applications, use the primary-source links in the relevant benefits, Learning Bond or pension guide.