Designed for the Sophisticated Canadian.

Planfolio is more than just a calculator. It is a full-scale simulation environment that respects the unique complexities of our tax system.

Core Planning Engine

Comprehensive data modeling tailored for the Canadian financial landscape.

Detailed provincial and federal tax calculations including 2026 brackets.

Accurate benefit estimation with start-age adjustments and clawback logic.

Track primary residences and rentals with integrated amortization schedules.

Visualizing your financial journey over decades with deep granularity.

Year-by-year breakdown of Net Worth, Cash Flow, and Taxable Income.

Separate your spendable assets from home equity for a realistic view.

Forecast your after-tax estate value for legacy and inheritance planning.

Preparing for the unexpected with institutional-grade modeling.

Run 1,000+ scenarios to determine your plan's probability of success.

Visualize the impact of market crashes early in retirement.

Stress test your plan against high inflation or sudden interest rate hikes.

Specialized calculators to fine-tune every dollar.

Algorithmically determine which account offers the best marginal tax advantage.

Model the conversion of mortgage debt into tax-deductible investment debt.

Optimize income reporting to maximize Canada Child Benefit payments.