Canada · TFSA · FHSA · RRSP
A home. A child. A different job. Watch it hit the money you already have — not a generic hypothetical.
A few questions. Then a path.
The actual number, not a guess — this is what builds your first real chart.
Compoundfork
Not a bank. Not advice. You enter what you actually have. Then you turn on a choice — a home, a child, a career — and watch the path change.
See the picture Takes a few minutes. Stays in this browser unless you sign in.This is the foundation everything else uses — once it's filled in, you can model real decisions (a home, a kid, a career move) against these actual numbers instead of a generic guess. Add your own assets, debts, income, and expenses. Built for how Canadians actually save — TFSA, FHSA, RRSP, and the Home Buyers' Plan. Link a liability to the asset it belongs to (a mortgage to a house, a loan to a car) to see real equity, not two disconnected piles of numbers.
A sample household is already in here. Change a number and this picture moves.
Nothing is turned on. This path is the household as it stands.
Net worth and disposable income are always visible above. This is the one thing worth reading first today.
Plain observations from the numbers you've entered — not advice, just what's actually there.
Assets, debts, income, and expenses. Everything else in this tool reads from here.
Cash, savings, registered accounts, investments, property, vehicles. Categories tagged home-eligible can typically be tapped for a first-home down payment (FHSA and TFSA fully, RRSP via the Home Buyers' Plan) — that logic isn't wired up yet, this just flags which of your assets qualify for later.
Mortgage, student loans, credit cards, auto loans, HELOC — anything you owe. Link one to the asset it corresponds to (a mortgage to your house, a loan to your car) to see real equity per item below.
Salary, freelance, side income — enter what actually hits your account (net, after tax), at whatever cadence you're paid. No tax-rate guessing.
Pre-filled with a standard monthly-expense breakdown so you have something to edit instead of a blank page — delete rows that don't apply, add ones that do.
Take-home income, minus the expenses above. Left over is what remains this month. It is not a transfer into an account.
Not all net worth is equally usable. Liquid means sellable in days without penalty (cash, TFSA, brokerage). Restricted means it's yours but locked or capped by rules (RRSP, FHSA). Fixed means it's real but slow to convert to cash (a house, a car).
The main projection shows one net worth number. This breaks it apart — what's your TFSA likely to be worth, your RRSP, your cash, separately, using each account's own growth rate.
Name what you’re saving for, with a number and a date. This says honestly whether you’re on track.
Name what you're actually saving for — a wedding, a down payment, an emergency fund, anything with a number and a date. Set what you've got saved already and what you're putting toward it each month, and this tells you honestly whether that's enough.
Turn a choice on — buy a home, have a child, change jobs — and watch the 20-year path change.
Starts from your real net worth and real monthly savings rate today. The band spans a weak, average, and strong long-run market scenario — not one fake-precise number.
These read your real numbers above as the starting point — your actual disposable income, your actual home-eligible assets. Turn any on to see it reflected in the projection above; combine as many as you want.
The projection above uses three fixed scenarios — weak, average, strong — the same rate every year. Real markets don't move in a straight line even within one scenario. This runs hundreds of randomized 20-year futures, using the actual historical mean and year-to-year volatility of long-run equity returns, and shows the real spread of outcomes plus your actual odds of ending above zero.
Everything above models building your net worth up. This models spending it down — pick a retirement age and how much you'd withdraw each year, and see whether it actually lasts.
Save scenarios, download a PDF, or share a picture of the path.
Save the current numbers and decisions as a named scenario, so you can build another one and compare them side by side later. Saved to this browser always; saved to your account too if you're signed in above.
A complete, printable summary — net worth, decisions, year-by-year growth, goals, and retirement, all in one document. Generated entirely in your browser; nothing is uploaded anywhere.
Generates a plain image from your projection above — nothing is uploaded anywhere, it's drawn locally and downloaded.
Plain rules run against the numbers you entered. Not advice — just what the math is pointing at.
Plain rules run against your actual data above — not AI guessing, just math anyone could check by hand. Each one shows what it's reacting to.
What tax and probate look like at death, and whether life insurance would cover the gap.
Canada doesn't have a US-style estate tax — but death still triggers real tax (a "deemed disposition" of everything you own) and, usually, real probate fees. This estimates both, plus what it would take in life insurance to actually cover the gap. New to this? Probate and estate basics, plainly explained → If you're a US citizen, green card holder, or otherwise have US-situs assets, a separate real exposure exists that this tab doesn't model — see US estate tax for Canadians →
Fees vary enormously by province — from nothing in Manitoba to well over 1.5% of your estate in Ontario or Nova Scotia. Registered accounts (RRSP, TFSA, FHSA, 401(k), IRA) bypass probate only when their "beneficiary designated" checkbox is checked on the Assets tab — leave it unchecked and that account is included like anything else. Each asset can also be assigned its own province on the Assets tab, for estates with property in more than one — probate is calculated separately per province and summed below.
How much coverage would it actually take to close the gap left behind — the tax bill, probate fees, outstanding debt, and however many years of income your household would need to replace?
Life insurance covers what happens if you die. This covers the risk that's statistically far more likely during your working years — becoming unable to work, or facing a serious illness, while everything else keeps costing money.
Income, TFSA / FHSA / RRSP, a house with the mortgage attached. Without this, every chart is a guess.
Net worth, cash left each month, and whether a goal is actually funded — from those numbers, not a template.
Buy, wait, have a kid, change jobs. Turn one on. See a range of outcomes, not a single fake-precise number.
The picture above is already running. Replace the sample with your numbers, then turn on one decision. Goals, the plan, and estate can wait until that picture is yours.
Same voice as the model. Short, sourced, no upsell.
Today’s tax rate versus later. That’s the whole fork.
HousingNeither story is automatic. The down payment is.
CalculatorRoom limits in. Tax-free compounding out.
CalculatorWhat the deduction is worth if you invest it.
CalculatorContributions, withdrawals, and the capital-gains bill.
CalculatorThe CRA percentage by age, and what it does to the balance.