Stop guessing.Start knowing.
Can I retire comfortably? How much should I put in my kid's RESP? I don't understand taxes. How do I start investing? We can help.
We built an app that gives Canadians agency over their entire financial life. But you're not flying solo: we built a personal finance learning system inside too.
Manage your whole financial life. $0 for the first year.
Reserve your place in line
“But I don’t understand personal finance!”
That's the whole point. You don't need a finance degree to use this app — but you will learn as you go.
We built a curated learning system right into the dashboard. Short, focused lessons on the stuff that actually matters: how TFSAs work, what RRSP contributions really do to your taxes, how RESP grants work, what CPP clawback means for your retirement.
Follow structured learning paths or browse by topic. Track your progress. And every lesson ties directly back to the tools you're already using in the app — so the knowledge sticks.
You don't need to understand everything before you start. You just need to start.
Double-click screenshots to expand
“Can I actually retire?”
You've been contributing to your RRSP. Maybe a TFSA. Your employer matches something. CPP and OAS will kick in eventually. But is it enough? When can you stop working?
Our lifecycle engine simulates your financial future month by month. It accounts for your actual accounts, tax implications, government benefits, and the life events you're planning for. Create snapshots to compare different outcomes — now you can see if early retirement really is possible. You can even pull up your projected tax return for any future year.
Not a guess. A projection built from your real numbers.
Double-click screenshots to expand
“What if the market crashes the year I retire?”
We don't predict the future. Instead, we test your plan against 1,000 real market scenarios drawn from every major economic period since 1979.
Stagflation. Tech crashes. COVID. Rate hikes. The 2008 meltdown. You'll see where your plan holds and where it breaks — before it matters.
Double-click screenshots to expand
“Where does all my money actually go?”
You make decent money. You pay your bills. But at the end of the month, where did it all go? And are you saving enough?
See your entire household cash flow as a Sankey diagram — gross income through taxes and deductions, into expenses and savings. Monthly or annual. Individual or combined with your partner.
Pick a budget strategy that fits your brain: reverse budget (set a savings target, spend the rest), full itemized budget, or the 50/30/20 rule. Then track your actual spending against it, month by month.
Double-click screenshots to expand
“Will the RESP actually cover it?”
You've been putting money into an RESP. The government adds CESG grants. It grows. But when your kid starts university, will it be enough? And how do you withdraw it without getting taxed to death?
Estimate real education costs by province and field of study. See projected RESP balances at enrollment. Then test withdrawal strategies — spread evenly, front-load, or tax-optimized to keep your student's income under the basic personal amount.
Double-click screenshots to expand
“I have accounts everywhere. Is this… fine?”
RRSPs, TFSAs, FHSAs, RESPs, LIRAs, RDSPs, non-registered, pensions, corporate accounts. We track them all. In one place.
Multiple institutions? Not a problem. With your net worth, investment allocation, and progress toward your goals updating as your life changes.
Double-click screenshots to expand
“What happens to my family if something happens to me?”
Nobody wants to think about it. But the math doesn't care. Our insurance gap analysis calculates exactly how much coverage your family would need — factoring in your income, mortgage, kids' education costs, CPP survivor benefits, and what your employer group plan actually covers.
Then there's the stuff beyond insurance. Where's your will? Who has power of attorney? What happens to your RRSP if you haven't named a successor? Our legacy workflow walks you through it all — legal documents, beneficiary designations, digital assets, even pet care. And our estate snapshot shows exactly where your assets go: probate fees, terminal taxes, and what your heirs actually receive.
Protecting your family isn't about fear. It's about math.
Double-click screenshots to expand
“I can’t sleep and I have a tax question.”
Loonie is your AI financial assistant — not a chatbot. It pulls directly from CRA tax folios, calculates your actual marginal rates, and knows every federal and provincial credit. Ask it anything: “How much tax will I save with a $10K RRSP contribution?” “Am I eligible for the disability tax credit?” “Explain how RESP grants work.”
Once you've set up your plan, Loonie sees your full picture — your province, income, family, accounts, and goals. It can review your withdrawal strategy, run what-if scenarios against real historical markets, and point you to the right lesson in our learning system when a concept comes up.
Not generic advice from a blog post. Real answers built from your real numbers.
Double-click screenshots to expand
“That sounds like a lot of data entry.”
It's not. Loonie walks you through it like a conversation. Tell it about your family, your income, your savings — at your own pace. It asks the right questions, fills in the details, and builds your plan as you talk.
Have a brokerage statement or a tax return handy? Upload it. Loonie reads the document and pulls in your accounts and balances automatically. No retyping. No copying numbers from a PDF.
Ten minutes of conversation and you have a complete financial plan. Not a form. A conversation.
Double-click screenshots to expand
“Is my financial data safe?”
Your financial data never leaves Canada. Our servers are hosted in Canadian data centres, and sensitive data is encrypted with AES-256 — the same standard used by banks.
Sign in with a passkey (Face ID, Touch ID) for passwordless login, or add an authenticator app for two-factor authentication. Every session is protected by strict transport security, and your data is isolated at the database level — no other user can ever see it, even if there were a bug in our code.
And we don't ask for what we don't need. You do not need to provide your full name, your SIN, or your tax returns.
Your plan. Your data. Stored in Canada. Encrypted at rest. Locked down by default.
Double-click screenshots to expand
“Does it work on my phone?”
The heavy lifting — building your plan, running scenarios, setting up your corporate structure — that's a sit-down job. But the stuff you need on the go? We've got you.
Your dashboard, expense tracking, and learning system are all mobile-friendly — and live on your phone's home screen with syncing to your plan. Check your net worth on the bus. Log a purchase at the grocery store. Read a lesson on TFSAs while you wait for coffee.
Double-click screenshots to expand
Ready to take control of your financial life?
Join the founder's list and get a free year of premium service. No credit card required. Cancel anytime.
Free Year of Premium
Renew @ $79/year for life
No commitment to renew
Early Access
Founder Badge
Shape the Product
“But I don’t understand personal finance!”
That's the whole point. You don't need a finance degree to use this app — but you will learn as you go.
We built a curated learning system right into the dashboard. Short, focused lessons on the stuff that actually matters: how TFSAs work, what RRSP contributions really do to your taxes, how RESP grants work, what CPP clawback means for your retirement.
Follow structured learning paths or browse by topic. Track your progress. And every lesson ties directly back to the tools you're already using in the app — so the knowledge sticks.
You don't need to understand everything before you start. You just need to start.
“Can I actually retire?”
You've been contributing to your RRSP. Maybe a TFSA. Your employer matches something. CPP and OAS will kick in eventually. But is it enough? When can you stop working?
Our lifecycle engine simulates your financial future month by month. It accounts for your actual accounts, tax implications, government benefits, and the life events you're planning for. Create snapshots to compare different outcomes — now you can see if early retirement really is possible. You can even pull up your projected tax return for any future year.
Not a guess. A projection built from your real numbers.
“What if the market crashes the year I retire?”
We don't predict the future. Instead, we test your plan against 1,000 real market scenarios drawn from every major economic period since 1979.
Stagflation. Tech crashes. COVID. Rate hikes. The 2008 meltdown. You'll see where your plan holds and where it breaks — before it matters.
“Where does all my money actually go?”
You make decent money. You pay your bills. But at the end of the month, where did it all go? And are you saving enough?
See your entire household cash flow as a Sankey diagram — gross income through taxes and deductions, into expenses and savings. Monthly or annual. Individual or combined with your partner.
Pick a budget strategy that fits your brain: reverse budget (set a savings target, spend the rest), full itemized budget, or the 50/30/20 rule. Then track your actual spending against it, month by month.
“Will the RESP actually cover it?”
You've been putting money into an RESP. The government adds CESG grants. It grows. But when your kid starts university, will it be enough? And how do you withdraw it without getting taxed to death?
Estimate real education costs by province and field of study. See projected RESP balances at enrollment. Then test withdrawal strategies — spread evenly, front-load, or tax-optimized to keep your student's income under the basic personal amount.
“I have accounts everywhere. Is this… fine?”
RRSPs, TFSAs, FHSAs, RESPs, LIRAs, RDSPs, non-registered, pensions, corporate accounts. We track them all. In one place.
Multiple institutions? Not a problem. With your net worth, investment allocation, and progress toward your goals updating as your life changes.
“What happens to my family if something happens to me?”
Nobody wants to think about it. But the math doesn't care. Our insurance gap analysis calculates exactly how much coverage your family would need — factoring in your income, mortgage, kids' education costs, CPP survivor benefits, and what your employer group plan actually covers.
Then there's the stuff beyond insurance. Where's your will? Who has power of attorney? What happens to your RRSP if you haven't named a successor? Our legacy workflow walks you through it all — legal documents, beneficiary designations, digital assets, even pet care. And our estate snapshot shows exactly where your assets go: probate fees, terminal taxes, and what your heirs actually receive.
Protecting your family isn't about fear. It's about math.
“I can’t sleep and I have a tax question.”
Loonie is your AI financial assistant — not a chatbot. It pulls directly from CRA tax folios, calculates your actual marginal rates, and knows every federal and provincial credit. Ask it anything: “How much tax will I save with a $10K RRSP contribution?” “Am I eligible for the disability tax credit?” “Explain how RESP grants work.”
Once you've set up your plan, Loonie sees your full picture — your province, income, family, accounts, and goals. It can review your withdrawal strategy, run what-if scenarios against real historical markets, and point you to the right lesson in our learning system when a concept comes up.
Not generic advice from a blog post. Real answers built from your real numbers.
“That sounds like a lot of data entry.”
It's not. Loonie walks you through it like a conversation. Tell it about your family, your income, your savings — at your own pace. It asks the right questions, fills in the details, and builds your plan as you talk.
Have a brokerage statement or a tax return handy? Upload it. Loonie reads the document and pulls in your accounts and balances automatically. No retyping. No copying numbers from a PDF.
Ten minutes of conversation and you have a complete financial plan. Not a form. A conversation.
“Is my financial data safe?”
Your financial data never leaves Canada. Our servers are hosted in Canadian data centres, and sensitive data is encrypted with AES-256 — the same standard used by banks.
Sign in with a passkey (Face ID, Touch ID) for passwordless login, or add an authenticator app for two-factor authentication. Every session is protected by strict transport security, and your data is isolated at the database level — no other user can ever see it, even if there were a bug in our code.
And we don't ask for what we don't need. You do not need to provide your full name, your SIN, or your tax returns.
Your plan. Your data. Stored in Canada. Encrypted at rest. Locked down by default.
“Does it work on my phone?”
The heavy lifting — building your plan, running scenarios, setting up your corporate structure — that's a sit-down job. But the stuff you need on the go? We've got you.
Your dashboard, expense tracking, and learning system are all mobile-friendly — and live on your phone's home screen with syncing to your plan. Check your net worth on the bus. Log a purchase at the grocery store. Read a lesson on TFSAs while you wait for coffee.
Ready to take control of your financial life?
Join the founder's list and get a free year of premium service. No credit card required. Cancel anytime.
Free Year of Premium
Renew @ $79/year for life
No commitment to renew
Early Access
Founder Badge
Shape the Product