Skip to content
Huard & Co

Your money, planned by the rules here.

Answer a few questions about your age, income and plans. Each month, Huard & Co shows you where your money can go, whether you’re saving or drawing it down: how much, which account, in what order, and why. Under your province’s rules.

Already investing, accounts full, or retired? The plan starts from what you have, not from zero.

Make my free plan

No account needed. Your answers stay in your browser.

Proudly Canadian

2026 rules built in

2026 TFSA limit
$7,000
FHSA, lifetime
$40,000
RRSP: 18% of income, up to
$33,810
QPP or CPP pension from age
60

Start where you are.

Pick by your situation. Every path starts from the same answers, and you can switch any time.

New to Canada? The plan asks how long you’ve lived here: your TFSA room and depend on it. Read the newcomer path

Four steps, one clear answer at each.

No spreadsheet to fill in. You answer plainly; Huard & Co does the math with the ’s rules and your province’s.

  1. 1. Answer a few questions

    Age, income, accounts, plans. One question at a time, a few minutes, no account. “Not sure” is always an answer.

    Free, no account

  2. 2. See where each dollar goes, this month

    Your monthly savings, split in order: your employer’s match, your cushion, your accounts. Every line shows how much, which account and why, with the rule’s source.

    Free

  3. 3. The monthly check-in, 2 minutes

    With Plus, every month: log what you put in, watch each account move toward this year’s target, and see what your actions are worth. And when you want to look further: retirement, CPP and OAS, scenarios.

    Plus, paid

  4. 4. Follow the year, date by date

    The Plan for the year: what to do, when, and in which account, month by month, in one document. Easy to go over with your partner or advisor.

    Included in Plus, or on its own

Every situation, on an example.

What the plan shows depending on where you are, on a fictional household. The same questions every time.

  • You want to know what to do with your money this month: how much to set aside, which account, and in what order. A few minutes, free.

    Make my planSee Plus for Start

  • TFSA full, RRSP under way, investments elsewhere: the plan starts from your balances and the you have left, and shows where the next dollar goes. Plus shows where it leads, in a single chart.

    PlusPart of Plus. Try it first with an example, no account or payment.

    Make my plan
    See Plus for Build

  • Within ten years or so: when you could stop, when to start CPP or QPP and OAS, and what your changes.

    PlusPart of Plus. Try it first with an example, no account or payment.

    Make my plan
    See Plus for Retire

  • Your pensions, withdrawals and spending: how long your savings will last, and in what order to draw.

    Make my planSee Plus for Retire

  • Your business is incorporated: consultant, professional, software or tech contractor. How much to pay yourself in salary and dividends, and what it changes for your household. Then Entrepreneur: everything in Plus, with your company in every calculation.

    Run the free diagnostic
Priya and Daniel, Mississauga, This monthSample household

Their $1,700 a month, in this order

  1. 1Your employer’s matchEmployer plan$140a month
  2. 2Education, with the grantsRESPuntil December 2026, then $417 a month until December 2029, then less and less, until December 2036, then to the TFSA$1,043a month
  3. 3Long-term savingsTFSA$282 for Priya, $235 for Daniel$517a month

Total: every dollar has a place$1,700

Their whole plan: $1,837 more a year they could be getting, and $4,744 less tax by opening their FHSAs this year, once.

Sample household. Almost all of it comes from one step: Priya puts in 2% of her pay, but her employer matches dollar for dollar up to 4%. If she went to 4%, only $157 a year would be left. The $4,744 of tax savings assumes a first home within 1 to 3 years and no FHSA open yet.

One precise question? A free calculator.

No account, 2026 rules, and the source of every amount.

Rue Saint-Jacques, Montréal, 1895

Official rules. Your data stays with you.

Huard & Co sells no financial products and never sees your bank. It applies the published rules, and shows you which ones.

Our commitmentCheck it

  1. Your answers stay in your browser

    The math runs on your device. Your answers leave it only if you save your plan (encrypted, hosted in Canada) or ask for email reminders. Export or delete everything in one click.

    Runs on your device

  2. Every number has a source

    Tap the ⓘ next to an amount: what it means in plain words, then the rule, the year and a link to the CRA, Service Canada or your province.

    CRA, Service Canada, your province

  3. Your province’s rules, not an average

    Provincial tax brackets and credits for every province and territory, CPP or QPP, the federal grants, plus Québec’s .

    13 provinces and territories

  4. Assumptions you control

    Returns, inflation, raises: the projection guidelines of and Québec’s , changeable anywhere. We write “you could”, never “you will”.

    FP Canada 2026 guidelines

Free to start. Plus to keep it going, month after month.

No trial that quietly turns into a subscription: you choose. Prices in Canadian dollars; taxes are added at checkout.

Free

What to do this month.

For anyone who wants to know what to do with their money this month.

$0no time limit

Make my free plan
  • Your savings this month, in order
  • Your first three steps in full
  • A first answer on retirement
Everything included
  • Five calculators, including TFSA and FHSA
  • Reminders on the dates that matter
  • No account needed

Plan for the year

Your year, written down, once.

For anyone who wants a written plan once a year, with no subscription.

  • Your year as a PDF, every step dated
  • 30 days of Plus included
  • A calendar of the next 12 months
Everything included
  • Your tax for the year
  • Questions to ask a professional
  • Nothing renews

Our recommendation

Plus

Your plan, kept current, month after month.

For anyone who wants to stick with it, month after month, without missing a thing.

Cancel renewal in one click, anytime. We email you 7 days before each renewal.

  • The monthly check-in (2 minutes)
  • Your TFSA, RRSP and FHSA room watched
  • The Plan for the year included
Everything included
  • Scenarios and your stage’s tools
  • What your actions are worth, confirmed
  • Everything in Free

Prices in Canadian dollars, before tax. Payment by Stripe. Cancel a subscription online, in one click, from your account.

Compare what’s included

See Plus before you pay

Open Plus as Priya and Daniel, a fictional household in Mississauga, with no account and no payment: their monthly check-in, their accounts tracked, their scenarios and retirement. Nothing is saved and your own plan is never touched.

Try Plus with an example

Incorporated? Entrepreneur: everything in Plus, with your company in every calculation. Explore Entrepreneur

Frequently asked questions

I’ve never invested. Is this for me?

Yes. The plan starts where you are, even from zero: it shows you which account to open first, how much to put in each month, and how to do it at your bank or a brokerage. Every technical word is explained where it appears.

I already invest, or my accounts are full. Is it useful to me?

Yes. Say so in the first question: the plan asks for your balances and the room you have left, never suggests an account that’s already full, and sends the money to the next one, down to a non-registered account. It also checks your investment fees on your real balances, if you give them.

I’m retired. Is it useful to me?

Yes. Pick “I’m retired”: the plan starts from your income (pensions, RRIF, CPP or QPP, OAS) and your spending, then shows how long your savings can last and in what order to draw them. It doesn’t ask when you’ll stop working.

TFSA, RRSP, FHSA: what’s the difference?

They’re account “envelopes” that hold your savings or investments. TFSA: what you earn in it is never taxed, and you can take money out any time. RRSP: what you put in lowers your tax now; you pay tax when you take it out, often in retirement. FHSA: for a first home, it lowers your tax going in, and taking it out to buy isn’t taxed.

Do I need money set aside to start?

No. Even at $50 a month, the order matters: your employer’s match first, a small cushion next, then the right account. The plan splits what you can put aside, not what you don’t have.

Is this financial advice?

No. Huard & Co gives general information and educational calculations based on rules published by the CRA, Service Canada and the provinces. It doesn’t know your whole situation and doesn’t recommend any specific investment. For an important decision, talk to a qualified professional.

Where is my data stored?

Calculations run in your browser; your answers don’t leave your device unless you save your plan or ask for email reminders. A saved plan is encrypted and hosted in Canada. You can export it or delete everything at any time.

Does it work in my province?

Yes. Huard & Co applies the rules of every province and territory: provincial tax, CPP (or QPP in Québec), and the federal RESP grants, plus Québec’s QESI. You pick your province in the first question.

What does Plus add to the free plan?

The free plan shows you the next steps. Plus helps you take them, month after month: the monthly check-in (2 minutes) to log what you put in, your accounts moving toward this year’s targets, your TFSA, RRSP and FHSA room watched before any over-contribution, and what your actions are worth, confirmed. The Plan for the year is included. To look further: retirement, CPP (or QPP) and OAS, withdrawal order and scenarios.

Is it for couples?

Yes. You can enter two people, each with their own income, accounts and retirement age. Pension income splitting and both pensions are taken into account.