The MoneyReady App

A financial planning tool for all Canadians

Take charge of your finances.

Design your own financial plan.


Welcome to The MoneyReady App

Online powerful personal finance software for all Canadians, to manage your finances and to create and test your financial plans.

Be Money-Ready for anything.

Registration is free.

A comprehensive eBook on financial planning in Canada is included and help throughout will have you running financial scenarios and creating your financial plan like a pro.

Get started for free

What can it be used for?

Planning your entire financial life.

Achieving financial independence.

Planning retirement, at any age.

Determining the best strategies for where to put money saved (pay down the mortgage, or fund RRSP, TFSA, buy an annuity?).

Determining the best strategies for account withdrawals in retirement.

Planning to buy or sell a house, real-estate investing.

Tracking your investments.

Paying off loans.

Tax planning. Federal and provincial taxes and many tax credits are considered.

Estate planning, Probate taxes

and more ...

How does it work?

You will be guided through several input screens to enter your present and planned future incomes, real-estate properties, loans, expenses, life insurance policies, your priorities for saving and withdrawals, your accounts and investments, their asset allocations and expected rates of growth at any time in the future.

Given the all the inputs, considered together, cash-flows will be calculated for every year in the future, including tax and government benefit calculations. We call this the TIME MACHINE. It is a comprehensive financial calculator.

You can edit your inputs and rerun the TIME MACHINE to see the effect on your finances under different scenarios to test, develop and optimise a financial plan.

Who is this for?

For individuals and families to develop and optimize their own financial plans, test them, and stay nimble to changes in their life circumstances, market conditions and tax situation. It is for people who want to have control of their financial life.

For financial advisors and financial planners to devise plans for or with their clients, and easily keep them updated.

For bloggers, journalists, to explore financial scenarios and inform the public about the best strategies for their personal financial plans.

We do not sell or advise on investments.

However we do track them to keep your portfolios updated automatically (optional, and at no extra cost). Values and distributions are updated daily for North American Stocks, Exchange Traded Funds (ETFs) and Canadian Mutual Funds. Financial data provided by ©Fundata Canada Inc.

Import your accounts from Wealthica

You can also upload and update your accounts and investments from WEALTHICA (optional, and at no extra cost).


The MoneyReady App allows you to take complete control over your finances. People usually think of financial planning in terms of the investments they choose, but you must also consider taxes, cash flow, debt, savings and drawdown strategies, rebalancing ... These factors can be much more important than investment performance. The MoneyReady App is for all Canadians, no matter their financial net worth, or their previous financial knowledge. It aims to educate people new to financial planning and to empower experts at it.

You will learn by doing. You will be better aware of your current financial situation and be able to explore your financial goals. It will help you to learn what you need to know, and once you do, you will find setting up scenarios for the TIME MACHINE simulator easy and even fun!

Extensive help pages are provided throughout the site, and a free eBook is provided.

We are also happy to answer user questions.

Your data are stored securely in a database in the cloud. Security is our top priority, and we implement all the latest technologies to keep hackers out. But as we have seen in the news, websites and databases are hacked way too often. We keep your data anonymous. We do not collect your real name (only the username you pick is used and it should be a nickname), address, or any account numbers. The only identifiers we need are your email address, an approximate birth date and your province (for tax calculations). Having anonymized data means that even if the data were to be hacked, it would be useless to anyone. Subscription payments are made through a reliable credit card payment provider (Stripe) and we do not store your credit card information. We will not share your or your clients' data with anyone. If an advisor created an account for you, that advisor will be able to see and edit your data if you give them permission. Please see their privacy policy.

The MoneyReady App is not a financial planner itself. It is a calculator that can be used to assess financial plans using its powerful iterative cash-flow engine, the TIME MACHINE. The MoneyReady App can answer even the toughest financial questions by considering a person's current and complete financial position, and future aspirations, fears, and goals. It takes all of the inputs for a financial scenario, and then crunches the cash-flows, and outputs a detailed financial picture calculated for every year. Running the TIME MACHINE is a very empowering exercise for people. They can immediately see the results of any financial decision, recommendation and assumption. Video explaining the TIME MACHINE (3 minutes).

The MoneyReady App considers all of your finances together. There are many financial tools available that you can find all over the web: helping you to calculate how much to save for retirement or for university; to calculate mortgage amortization; to estimate taxes; to decide whether to rent or buy; etc. Unlike these one-off calculators and rules of thumb, the MoneyReady App considers any scenario in the context of all of your planned incomes, expenses, life events and priorities, together with any tax consequences, over your whole lifespan.

The MoneyReady App is a professional-grade tool for financial planning that can be used by individuals because we provide the necessary learning. However, many people do not have the time or willingness to manage their finances themselves, and therefore seek assistance from a financial advisor. By using the MoneyReady App with an advisor, you will aid them in constructing and implementing a more comprehensive financial plan for you. Advisors benefit when their clients are informed in the process, providing all of the information needed for their financial plan. Working in partnership leads to better communication and increased trust, but clients can still use the MoneyReady App without an advisor, and advisors can still use the MoneyReady App with only minimal input from their clients. We do not refer advisors or clients.

The Time Machine results on the webpage are also available for download as an MS Excel spreadsheet or .csv and the graphs and inputs as pdf and Word format. In MS Office formats, they are entirely customizable. Advisors can add their logo, letterhead, other results, comments, advice, disclaimers and their signature. They can use their own templates, styles and themes and make the report all their own.

Included tools

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Taxes and government benefits

Taxes and most credits calculated federally and for all provinces and territories.

RDSP and RESP grants and bonds are calculated.

OAS, GIS, CPP and survivor pensions are calculated.

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Pensions and Annuities

Considering the commuted value of a private pension.

Considering annuities.

Pension income splitting is automatically calculated.

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Term loans.

Lines of credit.

Credit cards.

Readvanceable mortgages.

Investment loans.

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Real estate

Principal residence.

Principal residence with rental.

Investment properties.

Recreational properties.

Home Buyer's Plan.

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Can hold investments in any currency.

Advisor portofolios can easily be copied to client accounts.

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Updated investment values.

We update daily values and distributions for over 60,000 North American securities. Data are provided by ©Fundata Canada Inc.

This includes all Canadian and US stocks and ETFs, and all Canadian Mutual and Segregated funds.

A relative risk measure is provided.

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Dividend tracker

Your distributions are updated every day in a downloadable table.

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Account rebalancing

Our proprietary rebalancing tool considers fees and expected returns.

Rebalancing can be calculated over multiple accounts.

Target account allocations can be changed in future years.

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Market simulator

Simulating changing financial market conditions.

Rates, yields, currency exchange rates can also be set for any year.

Stress test your entire financial plan.

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Small Businesses

Investing through your private corporation.

Taking salary or dividends from your private corporation.

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Withdrawal optimizer. (Subscription required).

To minimize taxes in retirement and maximize your legacy:

The withdrawal optimizer analyses your scenario to determine if your set withdrawal strategy after retirement is near optimal.

If not, it suggests an optimal withdrawal strategy after retirement.

Free to try

Registration is free and only requires a valid email address (no credit card).

For any questions you can Contact Us.

We will only use your email address to reply.

Get started for free

Pricing Table

The MoneyReady App has no ads, no sponsorships, no commissions, no kickbacks, and no referrals. There are no hidden or indirect costs. Our only source of income is your subscriptions so that our only incentive is to provide a great tool that you will use.

Free Trial

  • No credit card required.
  • 3 runs of the TIME MACHINE.

Register Now

Extended Trial

  • Unlimited runs of the TIME MACHINE.
  • All features are included.
  • One month.
  • Will be credited to you if you decide to extend to the full year subscription
  • Get free additional months with our referral program.


$150 per year
  • Unlimited runs of the TIME MACHINE.
  • All features are included.
  • One year.
  • Renewals $100.
  • Get free additional months with our referral program.

Advisor Clients

$150 per year, per client, minus discounts
  • Advisors have the same free trial and the trial subscription option on their own account.
  • Payment for a full year is required immediately for each client.
  • $150.00 per year for the first 5 paid accounts.
  • For each subsequent client added, this is reduced by $15.
  • This means that the 15th client and up are free.
  • Up to 300 clients.
  • If an email address is provided, the client will also be able to login to their account.


The MoneyReady App Blog




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Tax breaks