Financial decision support

Test the Money decisions that matter

Run your numbers in Wealthton’s calculators, change the assumptions, and see how different choices could affect the result — then make your next move.

Start a Money Decision Explore Calculators
Built for money decisions

Enter your numbers. Change the assumptions. See what moves.

Wealthton is for testing a real choice—cash buffer, debt, housing, investing, or retirement—not for collecting generic tips.

10 +
Decision tools
3
Rate regions
100 %
Free access

Fact or Fiction?

One question. Smarter every day.

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TFSA contribution room is always a fixed $10,000 every year.

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Start Small, Stay Alive

The best plan is the one you can keep running for years.

Today's action

A modest monthly SIP started now usually beats a perfect plan started late.

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Start with a decision

What are you trying to decide?

Pick the question in front of you. Each path compares two options with your own numbers, shows what changes if one input moves, and lists the assumptions—not a one-size answer.

1

Emergency fund

How much cash should I keep available if income stopped?

 2

Debt

Should I focus on paying debt before investing more?

 3

Rent or buy

Which housing path looks stronger for my timeline and costs?

 4

Home budget

Can I realistically afford this home after taxes, insurance, and stress tests?

 5

Contributions

How much difference would contributing more each month make?

 6

Retirement

Am I on track for the retirement spending I want?
Open the Money Lab — including the mortgage refinance comparison See how to use several calculators together
How Wealthton works

A workflow, not a pile of tips

Generic advice stops at “it depends.” Wealthton is built so you can see what changes when your inputs change.

  1. Choose a decision Start with something you are actually trying to figure out.
  2. Run a scenario Enter your own amounts, rates, and timelines in a Wealthton model.
  3. Stress the assumptions Change one input at a time—rates, stay length, contributions, prices—and watch the result move.
  4. Learn the tradeoffs Use the matching lesson or worked example when you want to understand why the numbers shifted.
  5. Decide what to test next Open a related model, or stop when the tradeoffs are clear enough to act on carefully.
Practice a money month

Money Rush Budget Runner

Play through payday, saving, debt payoff, and investing choices while dodging impulse buys—then use a real calculator when you want exact numbers.

Play Money Rush All money games
Today’s Money Move Find one quiet leak

Check one recurring payment you forgot about. Cancel it, downgrade it, or decide it is still worth keeping.

Money impact $10-$50/month
Use a tool
Canada today

Key Rates Canadians Watch

Live Canada key rates from official data. Use them as context when you test borrowing, savings, mortgages, cash, or refinancing decisions—not as a forecast.

Checking official sources... Observation dates and data status shown on each card
Policy rate --

Central bank benchmark rate.

Prime rate --

Benchmark lending rate.

Bank rate --

Central bank operating rate.

Mortgage --

Popular household borrowing benchmark.

Deposit --

Savings or deposit benchmark.

Inflation --

Consumer price inflation.

Source: official public data. Rates may publish on different schedules. Test a rate-sensitive decision →
Your Real Income

How Much Actually Hits Your Bank?

Taxes and deductions can surprise you. Calculate your actual take-home now.

Estimated take-home $0
Monthly $0
Bi-weekly $0
Kept 0%
Deducted 0%
Income tax
$0
Payroll deductions
$0
Total deductions
$0
Effective rate
0%

Estimate only. Actual tax depends on credits, benefits, deductions, payroll setup, and local rules.

The Power of Compounding

Adjust the monthly habit and watch the long-term gap change instantly.

Year 5
Invested: Value:
Year 10
Invested: Value:
Year 20
Invested: Value:
Year 30
Invested: Value:

invested →

Use Compound Interest Calculator
Learn after you test

Education that explains the decision you’re testing

Courses are for understanding tradeoffs—cash layers, payoff order, housing assumptions, retirement levers—not for replacing a calculator run.

Emergency Fund Guide

Which expenses belong in the cash target, and when a thicker buffer fits.

Debt Payoff Strategy

How rate, balance, and extra payments change the payoff path.

Rent or Buy Decision

Which assumptions can flip a close housing result.

Retirement Roadmap

How spending, inflation, savings rate, and withdrawal assumptions interact.
Browse all courses
Scenario analysis

Worked examples and interactive checks

These pieces use Wealthton numbers, assumptions, or interactive models—not generic keyword articles.

Workflow

Use calculators together

An ordered path across emergency cash, debt, investing, and bigger decisions.

 Cash

Emergency fund by job type

How income stability changes a realistic cash target.

 Debt

Avalanche vs snowball

Same three debts, two payoff orders, clear interest tradeoff.

 Housing

Rent vs buy walkthrough

A transparent long-horizon comparison with labeled assumptions.

 Retirement

Retire at 60 vs 65

How extra working years change savings and withdrawal pressure.

 Interactive

AI concentration check

Estimate look-through exposure when one theme dominates.

 Interactive

Crypto allocation risk check

Size a speculative sleeve against cash and debt realities.

 Rates

Key rates and household money

How rate moves show up in mortgages, savings, and loans.
All scenario and analysis posts