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How it works

Most financial tools leave you guessing.
Your Pocket Planner tells you what to do.

Not just what to do. The support to actually get it done.

Get Your Free Financial Game Plan

Takes about an hour. No credit card required.

The honest truth

The hardest step is telling us your numbers.
So we made it the easiest.

No account connections. No digging through old statements. We ask plain questions, one at a time: what you earn, what you owe, what you've saved. Rough numbers are fine to start. Update any of them later and your plan updates with you. The whole thing takes about an hour.

What we do

Your Pocket Planner does three things.

  • ✓We make money stuff simple and help take the complexity out 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 get your plan done and stay on track as your life changes.

You might've tried something like this before.

Bank apps show spending. Investment platforms show values. Retirement calculators ask you to guess, then give you charts and figures without much context.

None do a great job of answering the questions most people actually care about:
How are we doing? Are we going to be okay?

Finally, get some answers. Your real numbers. A clear, plain-language plan with no guesswork and no jargon.

Our analytical process is built on the CFP curriculum, the financial planning framework established by FP Canada and used by Certified Financial Planners across the country.

What we answer

Have you ever felt like you're not seeing the big picture?

Three questions that change how you see your finances.

The sample outputs below are illustrative, not predictions.

Question 01

Are we going to be okay?

Most Canadians carry a quiet worry about money. Not just retirement. The mortgage, savings, debt, the kids, the job. The whole picture. And most have never had someone sit down and give them a straight answer.

We look at all of it and bring it together into one honest read on where you're headed. You get a clear answer, not a graph with disclaimers, then we show which changes move the needle and by how much.

Sample output
At your current pace: Retire at 63 · $6,200/month · 82% probability to age 95
If you make one change
Delay CPP to age 70 → +$520/month for life
Another improvement
Lower investment fees from 2.1% to 0.2% → retire 14 months earlier
Example: investment fees
You're paying ~$4,200/year in fees on bank mutual funds (about 2.1%). On a $200,000 portfolio, that drag can cost around $415,000 over 30 years.
Example: unused TFSA room
You have $22,000 in unused TFSA room sitting in a 1.2% savings account. Invested, it could add about $14,000 over 10 years.
Example: employer match
Your employer offers a 3% pension match you're not capturing. On a $90,000 salary, that's ~$2,700/year in free retirement savings going unclaimed.
Question 02

Where do we actually stand today?

Most people have never seen their whole financial picture in one place. Net worth, cash flow, debt, savings rate, all of it, honest and clear.

We build yours and score it, so you can see at a glance what's strong and what needs work.

Question 03

What should we do next, step by step?

Most advice is either too generic to act on or too overwhelming to start. We give you three specific moves, ranked by impact, with plain explanations for your situation.

No theory. No list of 40 things. Just: here's what to do, here's what it's worth, here's how.

Sample output: Your Top 3 Moves
1. Move mutual funds to low-cost ETFs
Cuts ~2.1% in annual fees · worth ~$415,000 over 30 years

2. Put idle cash to work in your TFSA
$22,000 in unused room · ~$14,000 tax-free over 10 years

3. Delay CPP to age 70
+$520/month for life · worth it if you're in good health

The process

Simple. Ongoing. Always improving.

No appointments. No jargon. The same planning framework Canada's professionals use, built into a tool anyone can use.

01
Tell us about your finances
Income, savings, debts, and goals. No account connections needed.
02
We run your numbers
Canadian tax rules, CPP, OAS, TFSA and RRSP limits, run on the same assumptions professional planners use.
03
Get your Financial Game Plan
Your health score, your full outlook, and your top moves, ranked by impact.
04
We help you get it done
Step-by-step guidance, regular check-ins, and updated plans as life keeps changing.
Always evolving with you

Nervous about the data entry? Don't be. It's plain questions, one at a time, and rough numbers are fine to start. Every number can be updated later, and your plan updates with it.

Get Your Free Financial Game Plan

No credit card. No advisor pressure. No sales pitch.

Why it's different

Most tools show you data.
We give you a plan.

There's no shortage of apps that track your spending or show your portfolio. What's rare is something that brings it all together and tells you what to do about it.

Your complete financial picture
Not just your investments. Not just your budget. Your income, debts, savings, goals, and retirement outlook together in one honest assessment.
Specific moves, ranked by impact
We don't hand you a list of 40 suggestions. We show you the three moves worth making now, and the difference each one makes.
Built for how Canadian finances actually work
TFSA room, RRSP strategy, CPP timing, OAS, provincial tax rates. Every recommendation is calculated using your actual numbers and the right rules for Canada.
A plan that stays current
Your finances change. New job, new house, new priorities. Regular check-ins and updated plans mean you're always working from something current, not something you answered once and forgot about.
No products to sell
No investment products, no commissions, no referral fees. A subscription is our only revenue, so the plan is built around you, not around what someone's trying to sell you.
Planning you couldn't get before
Real financial planning used to mean hiring an advisor and weeks of back-and-forth. Now it's a tool you can sit down with in an afternoon.

Ready to actually know?

Join Canadians who finally understand where they stand. Takes about an hour to complete.

Get Started Free
No credit card required No advisor No sales pitch