TFSA annual limit (2026)
CAD 7,000
Source: Government of Canada
Table of contents
Canadian Financial Strategy Engine
Build Your Financial Strategy Plan (2026)
This guided engine converts your profile into a practical account order, monthly contribution split, retirement projection, and risk-alert checklist. It is designed for Canadian users and uses transparent assumptions.
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General information only — not financial, mortgage, or tax advice. Verify account room and program eligibility before action.
FHSA annual planning cap
CAD 8,000
Source: Government of Canada
Default return assumption
6.00%
Adjust in Step 6. Conservative assumptions recommended.
Scenario Compare Mode
Safe 80
Stress off
80
→
80
Safe 80
Stress off
80
→
80
Safe 80
Stress off
80
→
80
Active risk meter
Safe risk (80/100)
Emergency fund is below 3 months
Stress-test your plan quarterly
Stress test mode
Baseline modeRisk delta
80 → 80 (+0)
Retirement delta
CAD 69,886 → CAD 69,886
+0.0%
Down-payment timeline
n/a → n/a
n/a
How this stress test works
- Rate +2% applies a conservative cash-flow penalty if a direct mortgage model is not present.
- Market -20% applies a one-time portfolio drop and reduces return assumptions.
- Income and expense shocks are simplified estimate scenarios for planning resilience only.
General information only — not financial, mortgage, or tax advice.
Step 1 of 7
Basics
Strategy Engine FAQ
No. It provides educational planning estimates using your own assumptions.
The engine applies transparent rules around debt pressure, emergency fund, home timeline, and tax sensitivity.
Yes. You can save multiple plans and compare them side-by-side.
Yes. Guest plans are tied to your browser session.
Confidence increases when core inputs are complete and consistent.
No. Projection uses simplified assumptions and should be treated as a planning range only.