Complete Financial Planning Platform for Canadians 🇨🇦
No credit card required • Freemium plan available • Made in Canada 🇨🇦
The Canadian Financial Planning Problem
"Will my $800k last 30 years?"
Simple calculators don't account for market volatility, inflation, or withdrawal sequencing strategies.
"When should I start CPP?"
Take it early at 60? Wait until 70? The decision could mean $100k+ difference in lifetime benefits.
"TFSA, RRSP, or taxable first?"
Withdrawal order matters. Wrong sequence could cost you tens of thousands in unnecessary taxes.
The Solution: Professional-Grade Financial Planning
Get the same Monte Carlo analysis and tax optimization strategies that financial advisors charge $5,000+ for. Built specifically for Canada's tax system, government benefits, and investment landscape.
Monte Carlo Simulations
Run 1,000+ market scenarios to see if your retirement plan survives market crashes, inflation, and longevity risk.
✓ Success rate calculations
✓ Tax-efficient withdrawals
CPP & OAS Optimizer
Calculate exact CPP and OAS benefits. Find optimal start dates that could add $100,000+ to your lifetime benefits.
✓ Inflation-adjusted projections
✓ OAS clawback calculations
Canadian Tax Engine
Complete tax calculations for all provinces. Optimize TFSA vs RRSP decisions and withdrawal strategies to minimize taxes.
✓ RRIF conversion planning
✓ Account withdrawal sequencing
L&S University
50+ interactive learning modules covering everything from compound interest to estate planning. Text-to-speech enabled for accessibility.
✓ Quiz system with badges
✓ Personalized learning paths
Smart Calculators
Home affordability, car costs, debt service ratios. Get accurate calculations that include all the hidden costs.
✓ Land transfer tax by province
✓ True cost of ownership
Visual Progress Tracking
Interactive Venn diagrams, timeline views, and progress indicators that make complex financial planning intuitive and engaging.
✓ Family timeline visualization
✓ Achievement system
Why Canadians Choose Loonies & Sense
"The Monte Carlo simulation showed my portfolio had an 89% success rate. My advisor was charging $3,000 annually for the same analysis."
Jennifer L.
Software Engineer, Vancouver
"Delaying CPP until 70 will give me an extra $127,000 in lifetime benefits. This calculator paid for itself instantly."
Robert K.
Retired Teacher, Winnipeg
"The interactive learning modules made compound interest click for me. I finally understand why starting early matters so much."
Ashley C.
Nurse, Halifax
Frequently Asked Questions
How accurate are the Monte Carlo simulations?
Our simulations use historical market data and volatility patterns to run 1,000+ scenarios. While no simulation can predict the future, this gives you the probability of success under different market conditions - the same analysis financial advisors charge thousands for.
Can I connect my bank accounts?
Currently, you enter your account balances manually for privacy and security. We track your accounts (RRSP, TFSA, etc.) and let you update values as needed. No bank passwords or sensitive data required.
What makes this different from Wealthica or Questrade?
Those are great for tracking investments. We focus on comprehensive financial planning: retirement projections, CPP/OAS optimization, tax-efficient withdrawal strategies, and education. Think of us as your financial planning brain, not just a tracking tool.
Do you provide investment advice?
No, we provide educational information and financial planning tools. We help you understand concepts like asset allocation and withdrawal strategies, but we don't recommend specific investments. Always consult with a qualified advisor for investment decisions.
Is my data secure?
Yes. We use Supabase with Row Level Security, encrypted data storage, and Canadian privacy standards. Your financial data stays in Canada, and you control who has access. We never sell or share your information.
Can I use this if I have a financial advisor?
Absolutely! Many of our users work with advisors and use our platform to better understand their recommendations, run "what-if" scenarios, and stay educated between meetings. Knowledge is power in any advisor relationship.
Transparent, Canadian Pricing
Freemium
$0/month
- Basic calculators
- 2 investment accounts
- 10 AI queries/month
- University content access
Premium
$29.99/month
- Monte Carlo simulations
- 10 investment accounts
- 200 AI queries/month
- Advanced planning tools
- Estate planning module
Founder
$499 one-time
- Everything in Premium
- Unlimited accounts & AI
- Lifetime access
- Early access to features
- Founder community
All plans include 30-day money-back guarantee • Cancel anytime • Prices in CAD
Take Control of Your Financial Future Today
Stop paying thousands for financial planning that doesn't understand Canada. Get professional-grade analysis, education, and tools designed specifically for our tax system and benefits.
🇨🇦 Built in Canada, for Canadians • 30-day money-back guarantee • Data stays in Canada