Every dollar in the right place, and the date you could be free.
and full, investments elsewhere: Plus shows you where the next dollar goes, what your fees cost in years, and what to do with a raise, a bonus or a tax refund.
Free, no account. You move to Plus only if you want to.
Alexandre, 39, Sherbrooke
Example: Québec
50years old
when he could stop working, with 0.25% fees
3 years
more work with 2% fees a year
$2,000a month
into his non-registered account: his TFSA and RRSP are full
The example’s answers
Alexandre earns $145,000 a year. His TFSA ($110,000) and RRSP ($180,000) are full, he has $40,000 in a non-registered account, sets aside $2,000 a month and pays $2,200 a month on his mortgage. Worked out by the Huard & Co engine under 2026 rules, from these answers.
What Plus does for you: Build
Where each dollar goes once your accounts are full, what your fees cost in years, your financial independence date, and what to do with a raise, a bonus or a tax refund.
What your fees cost, in years
The same plan at two fee levels: the gap is counted in years of work, not in fractions of a percent.
What fees cost, in yearsSample household- 0.25% feesage 50
- 2% feesage 53
3 more years of work with 2% fees
2026 rules, with official sources in every calculation.
Your choices side by side
A four-day week, a sabbatical, RRSP first or TFSA first: each scenario next to your plan, with when you could retire, and lifetime tax.
Side by side: four days a week from 55 would leave them $368,000 less at 96, for $108,000 less tax. Fictional example: Priya and Daniel, Mississauga Your room, watched
At your monthly check-in, your TFSA, RRSP and is tracked, with an alert before any over-contribution, and the next dollar goes where it pays the most.
Alexandre’s check-in, October 2026Sample householdEach account moves toward this year’s target.
- Non-registered investments$18,000 of $24,000
What was logged at each monthly check-in this year, before any returns.
2026 rules, with official sources in every calculation.
The screenshots show the real product, filled in with a fictional household.
One Plus, one price
The same Plus for every stage: it opens on your stage’s tools, and you switch when your life does.
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
Plus adapts to your stage
- StartFirst steps, at any age
Student loans, a card, your cushion and your employer’s match in the right order, your first big purchases, the raise ahead, and each month what’s yours, guilt-free.
- BuyA first home in sight
FHSA, and TFSA: your down payment account by account, the tax you save, and the purchase year in your plan.
- FamilyKids, or one on the way
The and its grants, child benefits, parental leave: what each child changes, year after year.
- BuildYou already investYou are here
Where each dollar goes once your accounts are full, what your fees cost in years, your financial independence date, and what to do with a raise, a bonus or a tax refund.
- Retire55 and over, or retired
When to start or and , which account to draw from first, pension splitting, and your income year by year.
See Plus before you pay
Open Plus as Alexandre, the fictional example on this page, with no account and no payment. Nothing is saved and your own plan is never touched.
Your questions
You already invest
My accounts are full. What does Plus do for me?
How are fees counted?
A raise, a bonus, a tax refund: where should the money go?
Is my data protected?
What if I change my mind?
Start with your free plan.
A few minutes, no account. Your plan shows you what to do this month; Plus keeps it current after that.
