Strong 80/100
Canadian Planning Tools
Net Worth + Life-Stage Engine
Real-time net worth, life-stage, risk meter, stress testing, and A/B/C scenario compare.
Estimates for educational purposes only — not financial, tax, or legal advice.
Strong 80/100
Stable 70/100
Inputs
Assets
Liabilities
Cash Flow + Assumptions
Live Results
Net Worth
CAD 29,300
Monthly Surplus
CAD 1,050
Life Stage
Builder
Risk
Strong80/100
What Changed From Baseline
Net Worth: CAD 0
Surplus: CAD 0
Risk: 0
Estimates for educational purposes only — not financial, tax, or legal advice.
Overview
Assets
CAD 53,500
Liabilities
CAD 24,200
Savings Rate
16.4%
Liquidity
2.9 mo
Estimates for educational purposes only — not financial, tax, or legal advice.
Saved Scenario Sets
No saved scenario sets yet.
FAQ
What does this net worth engine calculate?
It estimates assets, liabilities, net worth, monthly surplus, ratios, risk score, and long-range projection under user assumptions.
Is this financial or tax advice?
No. Outputs are educational estimates only and should be reviewed with qualified professionals before decisions.
How is life stage determined?
Life stage is inferred from age, dependents, homeowner status, and goal direction using transparent rule-based labels.
What does the risk score measure?
It blends liquidity months, debt service burden, savings rate, and selected stability factors to surface resilience risk.
What are stress test toggles for?
Stress toggles estimate downside effects from income, expense, market, and debt-payment shocks in one click.
Can I compare multiple scenarios?
Yes. You can model and compare A/B/C scenarios across net worth, risk score, liquidity, and projected outcomes.
Can I save my profile and return later?
Signed-in users can save to database; guests can keep temporary profiles in session storage.
What is included in projection outputs?
The projection includes annual points and milestones at years 1, 5, 10, 20, and 30 based on selected assumptions.
How should I use action recommendations?
Use recommendations as sequencing prompts for review cycles, not as definitive instructions for legal or financial action.
Estimates for educational purposes only — not financial, tax, or legal advice.