Canada’s Only Free All-In-One Financial Planning Platform
Get your Canadian Financial Health Score. See your year-by-year net worth timeline. Let AI answer your TFSA, RRSP, CPP, and mortgage questions. 55+ free calculators — no sign-up needed.
Why TrackMoola?
Professional-grade Canadian financial planning — free, forever.
55+ Free Calculators
Every Canadian financial scenario covered — TFSA, RRSP, FHSA, mortgage, retirement, tax, debt, and more. No sign-up required.
Built for Canada
Canadian tax rules, TFSA limits, CPP/OAS projections, provincial rates, CESG — built specifically for Canadian financial planning.
AI-Powered Analysis
Get personalized insights and answers to your Canadian finance questions — powered by AI that understands your full financial profile.
No Advisor Required
Answer the $300/hour questions yourself. Export professional PDF reports to walk into advisor meetings fully prepared.
Most Popular Free Calculators
No sign-up required. All 55+ calculators are completely free.
TFSA Contribution Room
See exactly how much TFSA room you've accumulated since 2009.
Mortgage Affordability
Find out how much home you can afford based on your income and debts.
TFSA vs RRSP vs FHSA
Which account gives you the best after-tax return for your situation?
RRSP Contribution Room
Calculate your contribution limit and see your potential tax refund.
Debt Payoff Calculator
Compare Avalanche vs Snowball and find your fastest path to debt-free.
Retirement Savings
Project your retirement income and see if you're on track.
Built for Every Stage of Your Canadian Financial Life
Wherever you are — buying your first home, managing money as a couple, planning retirement, or tracking equity comp — TrackMoola is built for your exact situation.
First-Time Home Buyers
FHSA room, mortgage affordability, stress test, down payment timeline.
Couples & Families
Joint net worth, dual income modelling, shared goals, combined timeline.
Tech Employees (RSUs)
RSU vesting tracker, tax at vest, withholding gap analysis.
Retirement Planning
CPP timing, RRSP drawdown, OAS optimization, retirement timeline.
Rental Property Investors
Cash flow analysis, ROI, cap rate, multi-property tracking.
New Canadians
TFSA, RRSP, FHSA explained. Canadian tax system from scratch.
Sign Up Free — Build Your Complete Financial Picture
Free tools to start. Upgrade when you're ready for the full picture.
Financial Health Score
FreeYour overall financial fitness score — always free.
Financial Life Timeline
PlusYear-by-year projection of your financial future.
TrackMoola AI
PlusUnlimited AI conversations about your finances.
Planning Tools Suite
PlusContribution optimizer, drawdown planner, RESP, RSU tracker.
Couple & Household Planning
ProJoint net worth, dual income modelling, shared goals.
Free to Start. Powerful When You're Ready.
All calculators are free forever. Upgrade for the complete financial planning experience.
Free
$0
Forever
All 55+ calculators + Health Score
Plus
$9.99
/mo billed annually
Full timeline + AI + Planning tools
14-day free trial
Pro
$18.99
/mo billed annually
Everything + couples planning
What Canadians Are Saying
Real users, real results.
“I was paying $250/hour for a financial advisor to answer questions I now answer myself in 5 minutes. TrackMoola is a game changer for Canadians.”
Daniel R.
Toronto, ON
“Finally a tool that actually understands Canadian accounts — TFSA, FHSA, CPP. Everything I needed in one place, completely free.”
Aisha K.
Vancouver, BC
“The TFSA room calculator saved me from a costly over-contribution mistake. The detail and accuracy is incredible for a free tool.”
Marc L.
Montréal, QC
Built for Developers & AI
Integrate TrackMoola's 35+ Canadian financial calculators into your app or AI agent via REST API or MCP server.