Good questions deserve straight answers.

A tool that builds a plan for your finances, made for Canadians. You enter your numbers and get a personalized Financial Game Plan: where you stand, your biggest opportunity, and the moves that matter most. It isn't a budgeting app or a robo-advisor.

Your Pocket Planner does three things:

• ✓We make money stuff simple and sort out the complexity of your finances.
• ✓We tell you how to make the best decisions you can make with your money.
• ✓We help you actually do the work to stay on track through the years as your life changes.

Built for Canadians who earn well, save something, and still aren't sure if they're on track. If you have an RRSP, a TFSA, maybe a mortgage, but no real plan, this is for you.

About an hour. You'll answer questions about income, savings, accounts, debts, and goals. We walk you through every step.

No. You just need rough numbers: balances, income, debts. We explain everything in plain language as we go, no finance background needed.

Fair question, and you should be careful about who you trust with your finances. We're early, and we say so openly. What we can tell you: the methodology is built on the same CFP body of knowledge used by Canada's Certified Financial Planners, our founders are an ex-advisor (CFA and CFP) and a security engineer, the numbers are calculated from real tax and benefit rules, not guessed, and we make money only from subscriptions, so we have nothing to sell you and no products to push. Start with the free snapshot and judge the quality for yourself before you pay anything.

Five sections: Financial Snapshot (net worth, cash flow, savings rate), Retirement Outlook, Financial Health Score (out of 100), Top Actions (ranked by impact), and Hidden Opportunities (unused benefits, fee drag, tax room). It's one page, built so you can take it in at a glance. Paid plans also include execution support: step-by-step guidance on each action, regular check-ins, and a plan that adapts as your life changes.

As accurate as your inputs allow. We use current CPP and OAS rates, actual provincial tax brackets, realistic market assumptions, and your real balances. Every assumption is shown. Projections are estimates, not guarantees. We give an honest, well-grounded trajectory.

A score out of 100 across five dimensions: savings rate, investment fees, debt management, tax efficiency, and diversification. It is less a grade and more a diagnostic. It shows where you are strong and where you have room to improve. Most people start somewhere in the middle, with a clear path to a better number.

Yes, on any paid plan. Free gives you a one-time snapshot of where you stand, plus your single most important move. Paid members can refresh anytime: when income changes, savings grow, or goals shift. Regular check-ins help keep things current automatically.

No. You enter your financial information yourself, so we never ask for your banking login or password. We don't sell your data or use it for advertising. We rely on a small set of trusted service providers to run the product, under strict confidentiality and never for their own marketing. They're listed in our Privacy Policy.

Yes. Your information is encrypted both in transit and at rest. The service providers we rely on to run the product are listed in our Privacy Policy.

You do. We don't share your individual financial details with financial institutions, advisors, or anyone else for their own use. A small number of service providers process data on our behalf to run the product, under confidentiality terms and never to market to you. Our Privacy Policy lists them.

Delete your account anytime from settings. Your data is permanently removed from our systems.

No. We make money from subscriptions, never from your data.

Free gives you a clear diagnosis plus your first move: your Financial Health Score, your Retirement Outlook, your biggest financial risks, and your single most important move, explained in full, all in plain language. It's a real, useful picture, not a teaser. Paid turns that into your full action plan: the rest of your moves ranked by impact, execution support, regular check-ins, scenario modelling, and a plan that updates as your life changes. See our Pricing page for the full breakdown.

We have three pricing tiers based on when you join. The first 100 members are Founding Pioneers: year 1 free, then $99/year while active. Members 101 to 500 are Early Members: $99/year while active, with a 60-day free trial for waitlist signups and 30 days for everyone else. From 501+, Standard pricing is $249/year (subject to change), with a 14-day free trial. Founding Pioneer and Early Member rates stay locked while your membership is active.

Yes. If you cancel within 14 days of upgrading to a paid plan, you'll receive a full refund. No questions asked.

Yes. Cancel from account settings in one click. No fees, no calls, no retention loops. Monthly plans: keep access until billing period ends. Annual: until your year is up.

Yes, and it depends on your tier. Founding Pioneers get their first year free. Early Members get a 60-day trial if they joined from the waitlist, or 30 days otherwise. Standard members get a 14-day trial. Separately, every paid plan also comes with a 14-day money-back guarantee: if you cancel within 14 days of upgrading, you get a full refund. No credit card is needed to use the free tier.

We handle common situations: employment income, self-employment, RRSPs, TFSAs, non-registered accounts, mortgages, pensions, personal debts. For significant corporate income, complex estates, or multiple properties, we give you a useful picture but recommend a fee-only CFP alongside.

The app accounts for self-employment income, and you'll answer questions about your business income, corporate structure, and registered contributions. Your plan then includes tax-efficiency notes relevant to self-employed Canadians.

Yes. Joint household planning, combining two incomes, shared assets, and shared goals, is handled in onboarding, so you model your household as a single unit. Tracking each spouse's accounts separately within a shared plan is on our roadmap.

Yes, with one exception today: Quebec. The app is built on real federal and provincial tax rules. It uses your province's or territory's income tax brackets, along with the CPP, OAS, TFSA, and RRSP rules and federal tax that apply across Canada. We're launching in British Columbia first, with other provinces to follow. We don't support Quebec yet. It needs its own tax modelling and a Law 25 privacy review, both of which we're working through, and we'll share more when that's ready.

Your Pocket Planner helps you build a plan for your finances. We're not a licensed advisor. Our guidance is educational and does not constitute financial advice as defined under Canadian law. Recommendations are based on your inputs, publicly available Canadian rules, and reasonable assumptions. For complex situations (insurance, estates, significant corporate income), use Your Pocket Planner alongside a fee-only CFP.

No. We don't recommend specific stocks, funds, or other securities, and we don't tell you to make any particular trade. That's not what we do. We help you understand your whole financial picture and the decisions that move the needle: how much to save, which accounts to use, how to be tax-efficient, and whether your overall setup makes sense. The specific investment choices stay with you and, if you use one, your investment provider or advisor.

Advisors bring professional judgment and regulatory accountability. We bring speed, transparency, and zero sales incentive. Our analytical process is built on the CFP curriculum, the same framework used by Canada's Certified Financial Planners, so the methodology is rigorous even if we're not a licensed firm. Many Canadians use both: Your Pocket Planner for plain-language answers and ongoing tracking, and a fee-only CFP for complex decisions.

Bank tools show scenarios within bank products. They won't tell you your fees are too high or that you should move elsewhere. We have nothing to sell and no relationships to protect, so honest assessment is actually possible.

Wealthsimple manages investments. We help you understand your entire financial picture and make better decisions across all of it, including whether your investment setup is serving you well. They solve different problems, and some people use both together.