It’s 2am and you have a tax question.
You're lying in bed wondering whether you should take CPP at 60 or 65. Whether your RRSP contribution actually saves you money. Whether you're eligible for a credit you've never heard of. You're not going to call an advisor at 2am. But you can ask Loonie.
Not a chatbot. A financial co-pilot that can do math.
Loonie isn't a generic AI that Googles your question and rephrases the first result. It has tools. Real tools. It can look up TFSA contribution limits by year, pull tax brackets for any province, calculate CPP and OAS benefit amounts, and run your numbers through the same tax calculations that power your projected returns.
Ask it: “How much tax will I save with a $10K RRSP contribution?” It doesn't give you a generic answer. It calculates your actual marginal rate for your province and income level, applies the right federal and provincial credits, and shows you the dollar impact. Then it shows you what happens when you withdraw that RRSP in retirement, at your projected future marginal rate.
Vanguard research shows the biggest value of financial advice is behavioural coaching — helping you make better decisions. That's exactly what Loonie does. Without the 1% AUM fee.
Backed by CRA tax folios, not blog posts
When Loonie answers a question about medical expenses, it cites the relevant Income Tax Folio. When it explains RRSP contribution room, it references the actual CRA rules. When it calculates your marginal rate, it uses your actual brackets, surtax, and credit — not a simplified table from 2019.
Tax law is nuanced. The answer to “Can I deduct this?” is almost always “It depends.” Loonie knows what it depends on: your province, your income level, your family composition, and often the specific CRA interpretation. It asks the right follow-up questions instead of giving you a generic answer that might be wrong for your situation.
Your province matters. Your income matters. Generic tax advice is worse than no advice at all.
It sees your full financial picture
Once you've set up your plan, Loonie sees everything: your province, income, family composition, accounts, goals, investment allocations, and retirement projections. It can review your RRSP drawdown strategy, run what-if scenarios against real historical market regimes, compare your portfolio performance across 6 different economic conditions, and point you to the right lesson in the learning system when a concept comes up.
“Should I defer CPP to 70?” Loonie doesn't give you a generic answer. It runs the scenario with your numbers, compares the outcomes, and shows you the break-even age — accounting for your other income sources, your spouse's CPP timing, and the tax implications.
“What if I save $500 more per month?” It runs a modified projection, compares the success rate to your baseline, and tells you exactly what that extra savings does to your retirement timeline.
This is the financial advice that used to cost 1% of your portfolio per year. Now it's included.
Ten minutes of conversation. A complete financial plan.
Setting up a financial plan sounds like a lot of data entry. Forms to fill out. Numbers to look up. Account balances to copy from six different institutions.
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. No forms. No dropdowns. No 47-field questionnaire.
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.
60% of people with a formal plan report higher financial confidence. The hardest part is starting. We made starting easy.
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$99/year. That's it.
Calculators and learning content are free. The planning app is $99/year per household. No credit card required to start.
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