Central bank benchmark rate.
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+127%
10yr S&P Return
From /mo for 20y @12%
2x
Every 7 years @10%
Built for quick money decisions
Useful money tools, without the spreadsheet drag.
Pick a calculator, test a scenario, and get a clearer next money move in seconds.
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Fact or Fiction?
One question. Smarter every day.
You can contribute $10,000 to your TFSA every year, forever.
Think you know the answer? Tap Fact or Fiction above.
💡 Daily Tip
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Daily Investing Tip
Fresh investing insight updates daily.
Today's action
Open one small money task.
Start here
Choose the money decision you are working on now.
Wealthton works best when the tools are used in order: protect cash flow, remove expensive debt, invest consistently, test big purchases, and plan long term.
1
Read the full calculator workflow
Build emergency savings
Find a realistic target based on monthly expenses, job stability, dependents, and debt pressure.
2Pay high-interest debt
Compare avalanche and snowball, then see how extra monthly payments change the debt-free date.
3Start investing
Work backward from a goal and turn a monthly contribution into a repeatable habit.
4Compare rent vs buy
Test mortgage cost, rent, investment return, appreciation, and time horizon before a housing decision.
5Plan retirement
Check whether current savings and monthly contributions are moving toward the income you want later.
New animated game
Money Rush Budget Runner
Move through a fast, friendly money month. Collect payday, saving, debt-payoff, and investing boosts while dodging impulse buys and late fees.
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, built for mortgage, credit line, savings, and inflation planning.
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Official sources
Benchmark lending rate.
Central bank operating rate.
Popular household borrowing benchmark.
Savings or deposit benchmark.
Consumer price inflation.
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 →
Why Start Investing Today?
Small decisions compound into big differences. Here is what changes when your money starts working sooner.
Start age
Time Does the Heavy Lifting
Age 25
Age 35
The same /month can build a very different future when it gets an extra decade to compound.
Purchasing power
Inflation Is a Slow Leak
Today
10 years later
Cash that sits still can quietly lose buying power. Investing gives your savings a chance to stay ahead.
Growth curve
Returns Can Start Earning Returns
10y
20y
30y
A single growing at 12% does not move in a straight line. The later years do more of the work.
Investing course path
Explore Courses →
Six habits that keep your plan alive.
Use these course-backed rules to avoid timing traps, fee drag, panic selling, and habits that quietly weaken long-term returns.
01Start
Start Early, Start Small
Don't wait for the "right time." Even /month matters. Time in market beats timing the market.
Best move: automate the first small amount.02Repeat
Consistency Over Amount
/month for 30 years beats /month for 5 years. Regular investing builds discipline and wealth.
Best move: keep the habit running.03Balance
Diversify Wisely
Don't put all eggs in one basket. Mix large cap, mid cap, debt, and index funds based on your risk appetite.
Best move: avoid one-bet portfolios.04Patience
Think Long Term
Markets crash. They always recover. Nifty fell 60% in 2008, now up 10x. Stay invested through volatility.
Best move: decide before panic starts.05Step up
Increase Contributions Annually
Step up your monthly contributions by 5–10% each year as your income grows. This one habit can significantly boost your final wealth.
Best move: raise savings before spending.06Protect
Emergency Fund First
Keep 6 months expenses liquid before aggressive investing. This prevents selling investments during emergencies.
Best move: protect the plan with cash.
Choose your next move
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