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Built By Canadians, For Canadians  ·  Free to start

Dear Canada: Take the guesswork out of your finances.

Your personal guide for getting your money sorted, so you can stop worrying and actually sleep at night.

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.
Get Your Free Financial Game Plan See how it works
Financial Health Score
62 /100
On track for retirement
$5,400/mo at age 60
3 actions found
+$174K impact

☕ Get your finances in order for the cost of a few coffees a month. ☕

Takes about an hour Secure and private No credit card No jargon, ever Built on the CFP curriculum
~1 hr
To get your plan
3
Big questions answered
1 page
Clear. Simple.
$0
To get started

What you'll get

Your Financial Game Plan tells you what to do.
One page. Clear as it gets.

This is a real example of the plan our users receive. Every number is yours, specific to you. Every action is ranked by impact to you and your family.

Sarah's Financial Game Plan
Things That Matter (Your Goals)
Retire at 60 Pay off the mortgage by 55 Keep a $20K emergency fund
Are we going to be okay?
Yes
What your plan does ›
1Where do we stand today
62 /100
Financial Health Score
Net worth
$127,400
Household income
$96,000/yr
You save
$13,200/yr
Retirement goal
$5,200/mo
2What should we do next: your top 3 movesTo be completed over the next 3-6 months
Move 1Start here
Top up your TFSA
This yearScore 62 → 68
Move 2
Cut your investment fees
This yearScore 68 → 76
Move 3
Protect your family
Next 3 monthsScore 76 → 84
3Are we going to be okay?
Supported income
$5,400/mo
Money lasts to age
95
Confidence
89%
Based on: Returns 5.0% Inflation 2.1% CPP starting at 65

For education and planning only. These projections are estimates based on the assumptions shown above, not guarantees. Those assumptions follow the 2026 FP Canada Projection Assumption Guidelines. Your Game Plan updates automatically as your numbers change.

Built Around Your Goals
Retirement, the mortgage, the emergency fund. The whole plan is shaped by what matters to you.
Financial Snapshot
Net worth, income, savings rate, and where your money goes. All at a glance.
Retirement Outlook
When you can retire, how much you'll have, and what would improve both.
Financial Health Score
A score out of 100 broken down by category, so you know where to focus.
Top Actions
Your 3 highest-impact moves, ranked.
Hidden Opportunities
Unused benefits, fee drag, tax room. The things most people miss.
Execution Support

We don't just tell you what to do. We help you do it.

Most plans fail not because they're wrong, but because life gets in the way. When it's time to act on something, we walk you through each step in plain language. Regular check-ins keep momentum going. When your situation changes, your plan changes with it. You never have to figure out the next step alone.

Step-by-step guidance
Regular check-ins
Adapts as life changes

Sample plan. Names and numbers are illustrative.

The problem

The bank gives you products.
The internet gives you opinions.
Who gives you answers?

Your bank advisor
Has products to sell. Their advice can get tied up with their commission.
The internet
Generic tips that don't know your life, province, or situation. "Maximize your RRSP" is a guess, not advice.
The other apps
Give you charts, then leave you to figure out what they mean. Data isn't a plan.

Many Canadians feel this way. And not knowing isn't harmless. It's costing you money every year you wait. Until now, there was no easy fix.

Now there is.

Get your free Financial Game Plan →

The three questions that change everything

Stop guessing. Start knowing.

Your bank hasn't answered them. Advisors charge a lot for them. Google doesn't personalize them. We do all three.

01

Are we going to be okay?

Not "probably" or "it depends." A real picture of where you're headed: debt, savings, retirement, the big life moments. Honest answers, not vague reassurances.

Sample output
On track for retirement: Yes
$5,400/mo supported vs your $5,200 goal · money lasts to 95 · 89% confidence
02

Where do we actually stand today?

Your full financial picture, honest and clear. Net worth, cash flow, debt, savings rate, all in one place, probably for the first time.

Sample output
Financial Health Score: 72/100 · Net worth: $127,400
Cash flow: $1,100/mo available · savings rate 12% (target: 20%)
03

What should we do next, step by step?

Not a list of 40 things. Three moves, ranked by impact. Specific. Prioritized. Yours.

Sample output: Your Top 3 Moves
1. Move to lower-cost ETFs → +$184,000 at retirement
2. Use your TFSA room → $22,000 available, tax-free
3. Delay CPP to age 70 → +$520/month for life

The part that actually matters

A plan is only as good as
what happens next.

Most people know roughly what they should do. The hard part is doing it and staying on track as life keeps moving. That's what we're here for.

We tell you what to do first

Your action plan is ranked by impact. No guessing where to start. We sequence it for you and walk you through each move.

Prioritized · Step-by-step · No overwhelm

We update as life changes

New job, new house, new baby. Your plan updates with you. Regular check-ins keep you on track instead of winging it year after year.

Regular tracking · Goal check-ins · Always current

We help you actually get it done

Most plans fail not because they're wrong, but because life gets in the way. When it's time to act, we walk you through exactly how to do it, in plain language, one step at a time. No guessing, no putting it off, no figuring it out alone.

Step-by-step execution guidance · Regular check-ins · Adapts as life changes

See How It Works

Why trust us

We handle the hard part.
You make the decisions.

Real Canadian tax rules, your real numbers, zero conflict of interest. Nothing to sell, nothing to hide.

Your data is encrypted
Encrypted in transit and at rest. Never sold, never shared with advertisers.
Built for Canada
Real TFSA, RRSP, CPP, and provincial tax rules.
Zero commissions. Ever.
No products to sell, no funds to push, no referral fees.
You stay in control
You decide what to share. We use only what's needed to build your plan.
Built on the CFP curriculum
Our analytical process follows the CFP curriculum, the financial planning framework established by FP Canada and used by Certified Financial Planners across the country.

The cost of waiting

$415,000

That's what a 2.1% fund fee can quietly take from a $200,000 portfolio over 30 years. Nearly half of everything it would have earned.

It's deducted inside the fund, so you never see the bill. Your Financial Game Plan finds fees like these and shows what they're really costing you.

Find your hidden fees →
$4,200
A year in fees
on $200K (a 2.1% fee)
~45%
Of your growth,
lost to fees
$0
To see what
you're paying

Illustration: $200,000 in a 60/40 portfolio over 30 years, growing at the 2026 FP Canada Projection Assumption Guidelines (5.2%/year gross), with a 2.1% all-in fund fee (a typical fund MER plus the embedded cost of advice, per the Morningstar 2025 Canadian Fund Fee Study). "Cost" is the difference in ending balance versus the same portfolio with no fee. Illustrative, not a prediction of your results.

One honest hour. That's the ask.

Gathering your own numbers is the hardest part of any financial plan, so we made it the easy part. Plain questions, no account connections, and rough numbers are fine to start. Everything can be refined later.

Stop guessing.
Start knowing.

In about an hour, you'll know exactly where you stand and what to do next.

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