Financial Journey
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Made for Canada

Know where your money is going and where it ends up

Budgeting and net worth across banks, brokerages, cards and blockchains. Built for Canada, with real tax and mortgage maths rather than rounded-off approximations.

Get started freeTry the calculators — no account

Start with a quick answer

Four calculators, free and open to everyone. No account, no email — they run entirely in your browser.

Compound interest
What will my savings be worth?
Salary raise vs inflation
Is my raise actually a raise?
Mortgage payment
What will my payment be?
Debt payoff
When will this be gone?

A complete picture, not just last month's spending

Most budgeting apps are good at telling you what already happened. The interesting questions are all forward-looking.

Dashboard

One number, and whether it's moving the right way

Net worth across every account, this month's cash flow, and what's about to hit your account in the next 30 days. Everything else is a summary that links somewhere useful.

Net worth

$184,320

▲ $2,140 (1.2%) vs last month

CareerPremium

What your compensation is actually worth

Salary, bonus, RRSP match, insurance, equity and time off priced into one comparable number — after Canadian tax. Compare an offer against what you have, across provinces.

Base salary
$128k
Bonus (15%)
$19.2k
RRSP match
$6.4k
Health & dental
$4.1k
Equity
$12k

Effective hourly, after tax: $67.20

Debt

The payoff date, and what changes it

Every debt on a calendar, with correct Canadian semi-annual compounding. Drag one slider to see what an extra $200 a month does to your payoff date and total interest.

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Debt-free Nov 2044 — 4 years 4 months sooner

PlanningPremium

Change one thing, see what happens

Set targets for retirement or an emergency fund, then build scenarios and compare them side by side — including a Monte Carlo run so you see the range, not a single optimistic line.

Projection range

84% of simulations meet every goal

The details other apps round off

Mortgages compound semi-annually

As the Interest Act requires. Using monthly compounding — as most calculators do — misprices a $500k mortgage by about $30 a month.

Every province, including Quebec

QPP and QPIP, the separate provincial return, the federal abatement, and Ontario's surtax and health premium — not just the headline brackets.

Adjusted cost base done properly

Average cost across all identical property, not FIFO and not per-account — the way CRA actually calculates it.

Start with a calculator. Stay for the whole picture.

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