Free Financial Tools

Track your income, expenses, savings goals, and debt payments in one organized spreadsheet. Includes automatic calculations, visual charts, and 12-month tracking.

• Income & expense tracker with 20+ categories
• Automatic savings rate calculation
• Debt snowball / avalanche planner
• Monthly & yearly summary charts

Compare up to 5 mortgage offers side-by-side. Calculates total interest, monthly payments, penalty estimates, and true cost of borrowing for each option.

• Side-by-side comparison of 5 offers
• Fixed vs variable rate scenarios
• Total interest over full amortization
• Prepayment impact calculator

A complete 50-step checklist covering everything from saving your down payment to closing day. Includes FHSA strategy, pre-approval timeline, and closing cost breakdown.

• 50-step timeline from savings to keys
• FHSA + RRSP HBP withdrawal strategy
• Pre-approval document checklist
• Closing cost breakdown by province

Input your monthly spending by category and this spreadsheet tells you which card combination earns the most points. Covers 2-card and 3-card strategies.

• Spending input by 8 categories (groceries, gas, etc.)
• Optimal 2-card and 3-card wallet strategy
• Annual rewards value calculation
• Net value after fees comparison

A visual decision tree PDF that walks you through which account to prioritize based on your income, tax bracket, goals, and timeline. Includes contribution room tracker.

• Decision tree based on income & goals
• Tax bracket comparison table
• Contribution room tracker (RRSP + TFSA)
• Scenario: high income vs low income

Don't miss a single deduction. 80+ deductions and credits organized by category: employment, self-employed, family, medical, education, and more.

• 80+ deductions & credits
• Organized by: employee, self-employed, family, student
• Medical expense tracker
• Home office deduction calculator

Track your assets, liabilities, and net worth monthly. Includes automatic charts showing your wealth trajectory and debt payoff progress over time.

• Asset tracking: TFSA, RRSP, FHSA, real estate, crypto
• Liability tracking: mortgage, LOC, student loans, CC debt
• Monthly snapshot with auto-calculations
• Net worth trend chart (12+ months)

Review all your insurance policies in one place. Identifies coverage gaps, duplicate coverage, and potential savings. Covers auto, home, life, travel, and disability.

• Policy inventory (auto, home, life, health, travel)
• Coverage gap analysis checklist
• Credit card insurance overlap detector
• Annual premium tracker

Should you incorporate? This toolkit includes a decision matrix, salary vs dividend optimizer, tax comparison, and first-year incorporation checklist.

• Sole prop vs corporation decision matrix
• Salary vs dividend tax comparison (by province)
• First-year incorporation checklist (30 steps)
• HST registration decision tree

Calculate your ideal emergency fund target based on your expenses, job stability, and dependents. Track your progress monthly with automatic milestone alerts.

• Personalized target (3–12 months of expenses)
• Monthly contribution planner
• Progress tracker with milestones
• Best HISA comparison for emergency funds