Four paths, from broke-curious to confident.
Each path unlocks the next. Start where you are — no jumping ahead.
Financial Survival
Budget, bank, borrow, and stay safe.
Building Stability
TFSAs, RRSPs, FHSAs and compound growth.
Wealth Building
Pick stocks, read financials, build a portfolio.
Advanced Systems
Options, real estate, high-leverage strategies.
15 Canadian money tools — no account needed.
Budget, project, compare and print a clean one-page worksheet. Free for everyone, forever.
Money
Day-to-day budgeting, pay and savings.
Budget Builder · Take-Home Pay Calculator · Emergency Fund Calculator · Savings Goal Calculator · Net Worth Calculator
Open toolsCanada
Built around Canadian accounts and rules.
TFSA Calculator · Student Budget Calculator
Open toolsDebt
Get out of debt faster and cheaper.
Debt Payoff Calculator · Credit Card Payoff Calculator
Open toolsInvesting
Long-term growth, fees and compounding.
Compound Interest Calculator · Investment Growth Calculator · DCA Calculator
Open toolsHousing
What you can actually afford to buy.
Housing Affordability Calculator
Open toolsFinancial Statements
Print-ready personal statements.
Personal Balance Sheet · Personal Income Statement
Open toolsThree steps. Five minutes a day.
The same loop that makes Duolingo addictive — applied to your money.
Pick a path
Start at Survival. Each path unlocks the next as you master it.
5-minute lessons
Bite-sized reading + interactive widgets + a quick quiz.
Grow your tree
Earn XP, keep your streak, watch your knowledge tree mature.
A learning loop built to keep you coming back.
XP, streaks, achievements and a tree that grows with you.
XP & Levels
+10 XP per right answer, perfect-quiz and daily-streak bonuses, fast early levels.
Daily Streaks
A flame for every day in a row. Don't break the chain.
30 Achievements
Budget Boss, Centurion, XP Legend — earn them all.
Knowledge Tree
Seed to ancient oak — 11 stages of visual progress.
Built for Canadian wallets.
We don't repackage U.S. personal finance. Every lesson is grounded in the accounts and rules that actually apply to you.
- Canadian tax brackets and contribution limits.
- Real-world TFSA vs RRSP vs FHSA trade-offs.
- Scam awareness based on actual CRA fraud patterns.