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Huard & Co
Free, no account

A free financial plan, built for Canada.

Answer a few questions about where you are. Your plan shows you where each dollar goes this month: which account, how much, in what order, and why. Under your province’s 2026 rules.

Make my free planWhat Plus adds

Free, no account. An estimate is enough for every answer.

Your plan answers
  1. Where to startYour employer’s match, costly debt, a cushion, then the right account: in the order that pays you most.
  2. Which account, how much, , , or non-registered: this month’s amount for each, worked out from your answers.
  3. WhyEach line says the rule it applies: your tax rate, your contribution room, the grants.
  4. What nextYour next steps to tick off, and how to do them at your bank or with a broker.

Three steps, a few minutes.

  1. 1Where are you?

    Just starting, already investing, accounts full, retirement coming or already there: the plan starts from there.

  2. 2A few numbers

    Your income, what you can set aside, your province. No need to be exact: an estimate is enough.

  3. 3Your plan

    This month’s amounts, account by account, with the why of each line. Change an answer and the plan follows.

Your answers stay with you.

The math runs in your browser. Without an account, your answers never leave your device. The plan opens on app.huardco.com, where no advertising tool ever loads.

The plan is free. Plus keeps it current.

The free plan shows you this month’s next steps. Plus helps you take them: the monthly check-in, your TFSA, RRSP and FHSA room watched, and your year in writing.

Compare the plans

See Plus before you pay

Open Plus as Priya and Daniel, a fictional household in Mississauga, with no account and no payment: their monthly check-in, their accounts tracked, their scenarios and retirement. Nothing is saved and your own plan is never touched.

Try Plus with an example

Plus

Your plan, kept current, month after month.

Cancel renewal in one click, anytime. We email you 7 days before each renewal.

  • The monthly check-in (2 minutes)
  • Your TFSA, RRSP and FHSA room watched
  • The Plan for the year included
Everything included
  • Scenarios and your stage’s tools
  • What your actions are worth, confirmed
  • Everything in Free

Questions

Is it really free?

Yes. The free plan needs no account and no card. Plus is a separate paid offer that helps you follow your plan month after month. You pick it only if you want it.

Is this financial advice?

No. Huard & Co gives general information and educational calculations based on the rules published by the CRA, Revenu Québec, Retraite Québec and Service Canada. It recommends no specific investment. For an important decision, see a qualified professional.

I don’t live in Quebec. Does it work for me?

Yes. The plan applies each province’s and territory’s rules: provincial tax, CPP or QPP, the RESP grants offered where you live.

I’ve never invested. Is this for me?

Yes. The plan starts where you are, even from zero: which account to open first, how much to put in each month, and how to do it. Every technical word is explained where it appears.

Does it work for couples?

Yes. You can enter two people, each with their own income and accounts.

Your plan for the month, in a few minutes.

Free, no account. An estimate is enough for every answer.

Make my free plan