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Life-stage paths7

Financial Roadmaps

Step-by-step paths built for your life stage. Each roadmap links to the right calculators at every stage - pick one and start.

🏠

Buy My First Home

5 steps

FHSA + RRSP HBP strategy, stress test qualification, mortgage math, and ownership budget.

1FHSA + HBP Optimizer
2Down Payment Tracker
3Stress Test Check
4Mortgage Calculator
5Ownership Budget
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πŸ’°

Save & Invest

5 steps

TFSA vs RRSP order, GIC ladders, ETF projections, and a savings-first budget.

1Take-Home Pay
2Account Priority
3GIC Comparison
4ETF Projections
5Savings Budget
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πŸ‘¨β€πŸ‘©β€πŸ‘§

Growing Family

5 steps

CCB optimization via RRSP, RESP + CESG grants, life insurance sizing, family budget.

1CCB + RRSP Strategy
2RESP & CESG Grants
3Life Insurance (DIME)
4Family Budget
5Account Optimization
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πŸ–οΈ

Plan Retirement

5 steps

CPP timing (60 vs 70), RRIF minimum withdrawals, OAS clawback avoidance, drawdown order.

1CPP Timing Optimizer
2RRIF Withdrawals
3OAS Clawback
4Drawdown Order
5Retirement Budget
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πŸ’Ό

Start a Business

5 steps

Double CPP reality, incorporation breakeven, CRA installments, salary/dividend mix.

1Self-Employment Cost
2Incorporation Tool
3CRA Tax Reserves
4Business Budget
5Salary/Dividend Mix
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πŸ”“

Get Out of Debt

5 steps

Balance transfer savings, loan refinancing, HELOC strategy, avalanche/snowball payoff.

1Balance Transfer
2Loan Refinancing
3HELOC Strategy
4Debt Payoff Budget
5Emergency Fund
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🍁

New to Canada

5 steps

Paycheque breakdown, Canadian budgeting, TFSA first, FHSA for homeownership, credit building.

1Paycheque Breakdown
2Canadian Budget
3Open a TFSA
4FHSA for First Home
5Build Credit
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