Canadian Financial Planning Tools

Every tool

• Loud Budgeting Simulator — Model what saying 'no' to social spending does to your savings rate over 12 months.
• Can I Afford to Move Out? — Stress-test rent, utilities, groceries and transit against your net paycheque.
• Car Buy vs Lease vs Transit — Compare 5-year total cost of ownership across financing, leasing and skipping the car entirely.
• Subscription Detox — Tally every recurring charge and project how much killing the least-used ones saves per year.
• Debt Consolidation Clock — Compare avalanche, snowball and consolidation-loan payoff timelines with total interest paid.
• Rental Cash-Flow & Cap Rate — Model monthly cash flow, cap rate, and cash-on-cash return for a Canadian rental property.