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Huard & Co
PlusStartFirst steps, at any age

On the right track, and the rest is yours.

Student loans, a card, a cushion, your employer’s match, a car or a first home, a raise ahead: Plus puts it all in the right order, shows you whether you’re on track, and how much of the month you can spend guilt-free.

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Free, no account. You move to Plus only if you want to.

A young woman looks out the window, phone in hand.
Sample household

Léa, 24, Laval

Example: Québec

Pick an example

  • $897a month

    hers, guilt-free, once her plan and fixed costs are covered

  • $2,083a year

    to collect: the employer match and the interest avoided

  • September 2027

    her card paid off, at $320 a month

The example’s answers

Léa earns $52,000 a year and can set aside $450 a month. She owes $3,200 on her card at 20.99%, has less than a month of spending saved, and doesn’t yet contribute to her workplace plan, which adds $1 per dollar up to 3% of her pay. Her fixed costs are $1,900 a month, and she repays a $9,000 Québec student loan (Aide financière aux études) at $110 a month. Worked out by the Huard & Co engine under 2026 rules, from these answers.

What Plus does for you: Start

Student loans, a card, your cushion and your employer’s match in the right order, your first big purchases, the raise ahead, and each month what’s yours, guilt-free.

  1. Every dollar has its place

    Your savings this month, in order: what pays the most goes first. Once the card is paid off, its money moves to the next line without you having to think about it.

    Léa’s $450 this month, in orderSample household
    1. 1Group plan, for the employer’s share$130
    2. 2Credit card$320

      until September 2027

    Every dollar placed$450

    When a line ends, its money moves to the next one.

    2026 rules, with official sources in every calculation.

  2. The monthly check-in, 2 minutes

    Log what you put in, watch each account move toward its target and keep your streak. One grace month a year: a hard month breaks nothing.

    The October check-inSample household

    Two minutes: what went in, line by line, then it’s logged.

    • Group plan, for the employer’s share$130To log
    • Credit card$320To log

    2026 rules, with official sources in every calculation.

  3. The rest is yours, guilt-free

    Once your fixed costs, your loans and your savings are covered, Plus shows you how much of the month is yours. Going out, trips, gifts: it’s planned for, so spend it with a clear mind.

    Léa’s monthSample household
    Her pay after tax
    $3,357
    Her fixed costs
    − $1,900
    Her savings, in the plan’s order
    − $450
    Her provincial student loan
    − $110
    The rest, hers, guilt-free$897

    At this pace, her student loan is paid off by February 2035. A fictional example: her answers are above.

    2026 rules, with official sources in every calculation.

One Plus, one price

The same Plus for every stage: it opens on your stage’s tools, and you switch when your life does.

Plus

Your plan, kept current, month after month.

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

  • The monthly check-in (2 minutes)
  • Your , and 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

Plus adapts to your stage

  • StartFirst steps, at any ageYou are here

    Student loans, a card, your cushion and your employer’s match in the right order, your first big purchases, the raise ahead, and each month what’s yours, guilt-free.

  • BuyA first home in sight

    FHSA, and TFSA: your down payment account by account, the tax you save, and the purchase year in your plan.

  • FamilyKids, or one on the way

    The and its grants, child benefits, parental leave: what each child changes, year after year.

  • BuildYou already invest

    Where each dollar goes once your accounts are full, what your fees cost in years, your financial independence date, and what to do with a raise, a bonus or a tax refund.

  • Retire55 and over, or retired

    When to start or and , which account to draw from first, pension splitting, and your income year by year.

Everything in Plus

See Plus before you pay

Open Plus as Léa, the fictional example on this page, with no account and no payment. Nothing is saved and your own plan is never touched.

Try Plus with an example

Your questions

First steps, at any age

I have almost nothing saved. Is this for me?

Yes. The plan starts from what you can set aside, even $50 a month, and shows where every dollar goes. The free plan is enough to start; Plus helps you stick with it, month after month.

I have student loans. Should I pay them off faster?

Not all of them. The federal loan has charged no interest since 2023: it’s paid on its schedule. A line of credit comes first. Plus puts your loans in the right order and says when they’ll be paid off.

Pay off my card or save?

High-interest debt comes before investing: no investment reliably earns as much as the interest it costs. Only your employer’s match comes first, because it pays even more.

TFSA or RRSP to start?

It depends on your income and the tax on your next dollar. The plan does the math under 2026 rules and shows you which one, and why.

Does Plus give me advice?

These are calculations, not an advisor: every amount shows its rule and its official source. You decide.

What if I change my mind?

Cancel the renewal in one click from your account, and access stays until the end of the paid year. We email you before every renewal. Your free plan stays yours.

Start with your free plan.

A few minutes, no account. Your plan shows you what to do this month; Plus keeps it current after that.

Make my free plan