The long-range forecast for your finances
Are sunny days ahead?
Plan for a brighter future and track your progress along the way. Create a detailed forecast based on your current assets and future income and expenses with accurate handling of registered accounts (RRSP, TFSA, FHSA, RESP), pensions (private and CPP/QPP), private corporations (CCPC), and government programs (OAS).
It's free to sign up, no credit card required. Your data stays on your computer.
Build a plan to weather any storm
Enter your current data and future changes, and Financial Forecast works out the rest: income, spending, taxes, savings and withdrawals, for every month. Change an input and the whole forecast updates.
Your long-range financial forecast
See your net worth for every year of your forecast, broken down by account type, along with key milestones: buy a new home, pay off your mortgage, retire, start CPP and OAS. Drag a milestone and see your forecast change in real time.
- Chequing, Savings, TFSA, RRSP/RRIF, LIRA, FHSA, RESP and non-registered investment accounts
- Homes, rental properties, and other assets, with mortgages and loans
- Private corporations, with separate income and expenses
Where your money goes
See your detailed cash flow for any year: income, dividends and withdrawals coming in; taxes, debt interest and repayment, required and discretionary spending, and savings going out.
- Withdrawals are drawn in the order you choose, with RRIF minimums taken care of
- Leftover cash is saved to the accounts you choose, up to your contribution room
- Tax withheld from pay and RRSP withdrawals as you’re paid, with each year’s balance or refund the next April
Taxes: the yearly headwind you can count on
Taxes are calculated yearly for each person and corporation, both federal and provincial, with the credits and rules that make the biggest difference over a lifetime.
- Dividend tax credits, capital gains and the OAS clawback
- Pension income splitting between spouses, optimized every year
- Small business, investment income and dividend refunds for a corporation
Get started quickly
Answer a few questions about yourself, your assets, income and expenses, and goals and your personalized forecast is ready.
Track your progress
Update your balances and see how your net worth changes over time.
Plan for your family
Education grants, payments to students, and the eligible dependant credit for single parents.
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Compare scenarios
Buy a bigger house, take a year off, retire early. Compare each what-if with your forecast to see what it changes.
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Include your business
Model a holding or operating company: salary or dividends, the small business limit, and how you’ll pay yourself in the years ahead.
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Plan in any currency
US or other foreign accounts and pensions are converted at the Bank of Canada’s daily rates.
Your data stays private
Your financial details are saved on your own computer: in your browser, or in a file you choose, which saves automatically as you work. They aren’t sent to us or stored on our servers.
- Your account only holds your email address and a display name if you post on the community
- No ads, no tracking, and nothing sold to anyone
- Move your plan file between computers, or make a backup any time
- Delete everything in one click
Questions and answers
Is this financial advice?
No. Like a weather forecast, Financial Forecast shows what’s likely given the conditions you enter. For decisions about investments, taxes or your estate, consider talking with a qualified professional.
Is it really free?
Yes. Your forecast is free, with no time limit and no credit card. Advanced features like what-if scenarios, private corporations, foreign pensions, accounts in other currencies and the optimization tools are included with Premium, which is coming soon (until then, they’re open to everyone); see Pricing.
Where is my information kept?
On your computer. The planner saves to your browser cache as you go, and you can also save to a local file. In Chrome, Edge, Brave and Opera that file is updated automatically; in Safari and Firefox you save a copy whenever you like. Your account is only used to sign you in.
Which provinces does it cover?
All ten provinces and three territories, with each one’s 2026 tax brackets and credits, including the Quebec abatement of federal tax.
Does it work on a Mac, a PC or a tablet?
It runs in any modern web browser on any device.
Is there a place to connect with other users?
Yes. The community is a forum where you can ask questions, compare planning strategies and suggest ideas. Anyone can read it; posting needs a free account and a display name.