Trackmoola - Canada Finance

Your money stays yours. TrackMoola is a private financial companion built for Canada. Enter your numbers once and see where you stand today, where you're heading, and what changes if life does, across 60+ Canadian-accurate calculators, without handing your financial data to anyone. SEE WHERE YOUR NET WORTH IS HEADING A month-by-month forecast built from your own income, expenses, accounts, debts, mortgage and home, using real Canadian tax, CPP, OAS and RRIF rules. See it on your Home chart, then open the Timeline for each year ahead: retirement, when CPP and OAS start, debt-free dates and the milestones along the way. CHOOSE WHEN TO TAKE CPP AND OAS Compare starting at any age from 60 to 70: your monthly amount, lifetime total, break-even age and OAS clawback. Your choice flows straight into your forecast. PLAN FOR LIFE'S BIG MOMENTS (PRO) Add a home purchase, a baby, a career change, school or early retirement and see the effect on your future net worth before it happens. Compare what-ifs side by side: save more, pay a debt faster, change an assumption. Stress-test your plan against a market drop, job loss, rate shock or inflation spike, and see a range of outcomes, not just one line. SEE WHERE YOUR MONEY GOES A clear cash-flow map shows how your income flows to taxes, savings, debt payments and spending, and what's left over. Share it, your forecast or a milestone as an image, with amounts hidden if you prefer. WE CAN'T SEE YOUR MONEY, AND THAT'S THE POINT Your financial profile lives only on your device and, if you choose, in your own Google Drive. We run no server that can read it. No account. No sign-up. No bank linking. TrackMoola only downloads public rate tables (tax rates, contribution limits and offers) so your numbers stay current. Nothing about you is sent. 60+ CANADIAN CALCULATORS, ALL FREE TO USE Taxes: Income Tax, Paycheck, TFSA / RRSP / FHSA contribution room, Capital Gains, Dividend Tax Credit, Income Splitting, Self-Employment, Tax Refund. Save & Invest: Retirement, FIRE, Compound Interest, Emergency Fund, CPP & OAS, RESP, RDSP, Net Worth, Budget, Investment Return, and more. Home & Mortgage: Affordability, Mortgage Payment, Rent vs Buy, Refinance, Closing Costs, Home Equity, Property Tax, Smith Manoeuvre. Debt: Payoff (Avalanche/Snowball), Credit Card, Student / Auto / Personal Loans, Consolidation. Protect & Compare: Term / Life / Disability / Home insurance, brokerage fees, savings rates and current account offers. A COMPANION, NOT JUST A CALCULATOR Save your household once. TrackMoola auto-fills your calculators, tracks your net-worth history, and flags things like unused TFSA/RRSP room and upcoming mortgage renewals. BUILT FOR CANADA RRSP / TFSA / FHSA / RESP / RDSP rules, CPP / OAS, provincial tax, CMHC and land transfer: the Canadian details generic apps get wrong. SIMPLE, ONE-TIME PRICING. NO SUBSCRIPTIONS, EVER. • Free: every calculator, your full on-device profile, a 5-year net-worth forecast and timeline, the CPP/OAS planner and your cash-flow map. Export a report or share an image by watching a short ad (your first export is free). • Pro ($4.99, one-time): your full forecast to retirement and beyond, life events, what-if comparisons, stress tests, detailed retirement readiness, full net-worth history including past months, no ads, unlimited exports and shares, auto-fill in every tool, and sync across your own devices via your Google Drive. PRIVATE EXPORTS Clean PDF or CSV reports of any result or your net-worth summary, shared with the Android share sheet. WORKS OFFLINE Everything calculates with no connection. When you're online, the app quietly refreshes its public rate tables; offline, it uses the built-in ones. The app never blocks a calculation on a network or an ad. A NOTE ON ACCURACY Forecasts are projections from your inputs and today's rules, not guarantees. TrackMoola provides estimates for educational purposes and is not financial, tax, or investment advice.