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Huard & Co

Your next steps are free. Keeping up, month after month, is Plus.

Prices in Canadian dollars, before tax. No trial that turns into a subscription: you choose.

  • Free

    What to do this month.

    To know what to do, no account needed.

    $0no time limit

    Make my free plan
    • Your savings this month, in order
    • Your first three steps in full
    • A first answer on retirement
    Everything included
    • Five calculators, including TFSA and FHSA
    • Reminders on the dates that matter
    • No account needed

  • Plan for the year

    Your year, written down, once.

    For a written plan, no subscription.

    • Your year as a PDF, every step dated
    • 30 days of Plus included
    • A calendar of the next 12 months
    Everything included
    • Your tax for the year
    • Questions to ask a professional
    • Nothing renews

  • Our recommendation

    Plus

    Your plan, kept current, month after month.

    For a check-in every month.

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

    • The monthly check-in (2 minutes)
    • Your , and 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

  • Entrepreneur

    Everything in Plus, with your company in every calculation.

    For incorporated business owners.

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

    • Everything in Plus
    • The best mix of salary and dividends
    • Your corporation in your household projection
    Everything included
    • The Entrepreneur Report and an agenda for your accountant
    • The year-end math, before December 31

Compare the offers in detail

  • Cancel in one clickStop a subscription’s renewal from your account. A one-time purchase never renews.
  • Official 2026 rules, Revenu Québec, Retraite Québec, Service Canada: every amount with its source.
  • Data hosted in CanadaWithout an account, your answers stay in your browser. A saved plan is encrypted.
  • No investments to sell youNo financial products, no commissions: information and calculations, not personal advice.

Compare what’s included

What each offer includes, line by line.

Compare what’s included, Plus
Price, before tax…
Your monthly savings in order, and your first steps with their source
All your steps, dated, with their why and how
Calculators and email reminders
The monthly check-in (2 minutes) and your accounts tracked
What your actions are worth, confirmed
Scenarios and your stage’s tools: down payment, RESP, fees, retirement
Plan for the year: document and calendarAnytime
Your company in every calculation, and the Entrepreneur Report
CommitmentYearly, cancel anytime

Each offer, in screenshots

The real product, filled in with a fictional household. Tap a screenshot to enlarge it.

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

Yearly

Your plan, kept current, month after month.

Who it’s for. For anyone who wants to stick with it: log each month what went in or came out, watch their accounts move, and not miss a thing all year. Plus opens on your stage’s tools, from the first paycheque to retirement.

Plus adapts to your stage

One Plus, one price. It opens on your stage’s tools, and you can switch at any time.

  • 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 RESP and its grants, child benefits, parental leave: what each child changes, year after year.

  • BuildYou already invest

    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.

Included

  • The monthly check-in (2 minutes): log what you put in, watch each account move toward its target
  • Your TFSA, RRSP and FHSA room watched, with an alert before any over-contribution
  • The Plan for the year included, redone whenever you like
  • Scenarios side by side and your stage’s tools: down payment, RESP, fees, and in retirement, CPP/QPP and withdrawal order
  • What your actions are worth, confirmed: grants, deductions, your employer’s match
  • Everything in Free, which stays free

Not included

  • Your company in the calculations (that’s Entrepreneur)
  • Personal advice: these are calculations, not an advisor

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

Their confirmed actions are worth about $2,200 in 2026, line by line. Fictional example: Priya and Daniel, Mississauga
The questions it settles
  1. Am I sticking to my plan, month after month?
  2. Are my accounts on track, and what have my actions been worth?
  3. What changes if we buy, take a leave, or for retirement?
What Plus adds, on an example

Free

What to do this month.

Who it’s for. For anyone who wants to know what to do with their money this month: just starting, already investing, or retired.

Included

  • Your savings this month, in order: how much, in which account
  • Your first three steps in full, with their source; the rest by title
  • A first answer on when you could retire
  • The FHSA, TFSA, RESP, CPP/QPP and salary-or-dividends calculators
  • Email reminders on the dates that matter, if you want them
  • No account: your answers stay in your browser

Not included

  • The monthly check-in and your accounts tracked (that’s Plus)
  • The written year: every step dated, the calendar, tax, the PDF (that’s the Plan for the year)
  • Scenarios and your stage’s tools (that’s Plus)

Freeno time limit

Make my free plan

No account. Your answers stay in your browser.

Where to start: put 4% of pay into the workplace plan to get the full employer match, $140 a month. About $1,837 a year in all, left on the table today. Fictional example: Priya and Daniel, Mississauga
The questions it settles
  1. Where do I start with my money?
  2. Which account first: TFSA, RRSP, FHSA or RESP?
  3. My TFSA is full: where does the rest go?
  4. I’m retired: how long can my savings last?

Fictional example: Nadia, 51, Sherbrooke (Québec)

And for someone who already invests

The same free plan, for someone whose TFSA is full. Her answers are made up; everything after them is calculated by the engine.

Her answers: $98,000 salary, full employer match, TFSA full, $18,000 of RRSP room on her notice of assessment, 6 months of expenses set aside, $1,500 a month to invest.

This month’s money

  • $1,500RRSP, a month
The first step
Your TFSA is full: save in your RRSP
What the plan recognizes
“You already have the essentials in place: the full employer match, TFSA full, RRSP under way and an emergency cushion.”

Plan for the year

One time

Your year, written down, once.

Who it’s for. For anyone who wants a written plan once a year, without a subscription.

Included

  • Your year as a document (PDF): every step dated, with its why and its how
  • 30 days of Plus included, to adjust your plan before you print
  • A calendar of the next 12 months, for your own calendar app
  • Your tax for the year and, if any, the estimated refund
  • Questions to ask a professional
  • One payment; nothing renews

Not included

  • After the 30 days, Plus closes: the plan you keep in your account reopens read-only
  • Tracking month after month, all year (that’s Plus)

One-time payment. The PDF you download is yours.

Every step has a date and an amount: by October 29, $140 more a month into the workplace plan, which adds about $1,680 a year. Fictional example: Priya and Daniel, Mississauga
The questions it settles
  1. What should I do this year, and by when?
  2. Which account does each dollar I save go into?
  3. What should I ask my accountant or advisor?

Entrepreneur

Yearly

Everything in Plus, with your company in every calculation.

Who it’s for. For incorporated business owners: software and tech consultants, professionals, small businesses. Not incorporated yet? The free diagnostic is enough.

Included

  • Everything in Plus: the monthly check-in, the Plan for the year, scenarios and retirement
  • Salary, dividends or keep it in the company: the split that would leave you the most
  • Your corporation inside your household projection, year by year, to retirement
  • The Entrepreneur Report (PDF) and an agenda for your accountant
  • At year end: redo the salary-or-dividends math with your real numbers, before December 31

Not included

  • Splitting pay between shareholder spouses: the math pays one person
  • Your filings (T2, T4, slips): your accountant does those
  • Tax advice: these are scenarios to confirm
Try the free diagnostic first

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

The check-up and its total are free.

The salary and dividend split: about $3,000 more a year, in hand and kept in the corporation, then every finding with its amount. Fictional example: Mathieu, software consultant in Québec City
The questions it settles
  1. How much should I pay myself in salary and dividends this year?
  2. How much should stay in the corporation, and what should it do there?
  3. What does it mean for my household’s retirement?

Questions about pricing

Can I start without paying?

Yes. The free plan has no time limit and needs no account and no card. You move to a paid offer only if it helps you, and it starts from your answers.

Plan for the year or Plus: which one?

The Plan for the year writes your year down once, as a one-time payment, with 30 days of Plus to adjust it. Plus keeps it current all year: the monthly check-in, your TFSA, RRSP and FHSA room watched, and the Plan for the year included, redone whenever you like.

What if I change my mind?

Purchases are final, but nothing ties you past the period you paid for: cancel a subscription’s renewal in one click from your account, and access stays until the end of the paid year. We email you before every renewal. The Plan for the year is a one-time payment: nothing renews.

If I move from the Plan for the year to Plus, do I pay twice?

No. If you subscribe with the same account within 30 days, what you paid comes off your first year. The exact amount is shown before you pay.

What is the founders price?

A launch price, for a limited time or a limited number of spots, stated on each offer. On a subscription, it stays yours while the subscription stays active.

Are taxes included?

No. Prices are in Canadian dollars, before tax: your province’s GST, QST or HST is added and shown before you pay, through Stripe.

Is this financial advice?

No. Huard & Co gives information and calculations based on the rules published by the CRA, Revenu Québec, Retraite Québec and Service Canada. It sells no investments. For an important decision, talk to a qualified professional.
  • Prices in Canadian dollars, before tax.
  • A subscription renews every year; cancel it online in one click from your account.