Tell us about yourself
Five minutes of questions: your income, savings across TFSA, RRSP, and FHSA, your debts, and when you'd like to retire. No SIN, no bank login, no personal data collected.
Free for Canadians
See your full financial future in five minutes
No credit card required · No advisor follow-up · Results in 5 minutes
TFSA RRSP FHSA CPP OAS
How it works
Clarity in three
straight-forward steps
We built WealthPulse for people who want real answers, not another tool that requires an accounting degree to operate.
See your personalised projection
WealthPulse generates a detailed wealth projection accounting for Canadian tax rules, CPP and OAS entitlements, inflation, and your specific account mix. No generic assumptions.
Explore what-if scenarios
Use the What-If playground to test decisions in real time. Retire earlier. Increase TFSA contributions. Buy a home. Every scenario updates your projection instantly — no waiting, no forms.
Want a human to review your plan? WealthPulse connects you with pre-vetted Canadian financial advisors — only when you ask, and never through pressure.
What you get
Built for Canadian life,
not generic advice
What-If Playground
Test your biggest decisions before you make them
Thinking about buying a home? Wondering if you can retire at 60 instead of 65? The What-If playground lets you dial any variable and see how it shifts your wealth projection instantly. No advisor needed for the first question.
- Real-time projection updates — no page refreshes
- Compare scenarios side-by-side
- Save and revisit your scenarios anytime
What-If Scenario
Retire at age
60
Monthly TFSA contribution
$800
Projected wealth at 60
$1,503,840
-$343,480 vs retiring at 65
Your Account Mix
TFSA Tax-free growth
$68,400 RRSP Tax-deferred
$142,000 FHSA New in 2023
$8,000 CPP + OAS Government benefit
~$1,820/mo Canadian Tax Wrappers
Every Canadian account, handled correctly
Canadian financial planning is complicated by our unique account types and tax rules. WealthPulse understands TFSA contribution room, RRSP carry-forward, the new FHSA, and how CPP and OAS interact with your retirement income — so your projection reflects reality, not American assumptions.
- Real CRA contribution room tracking
- CPP estimation based on actual earnings
- Province-specific tax modelling (all provinces)
- FHSA first-time buyer optimization built in
Advisor Matching
When you want a human, we know the right ones
Most financial tools make money by selling your data to advisors who then chase you. WealthPulse earns trust differently: we only connect you with pre-vetted Canadian advisors who charge transparently and work in your interest — and only when you decide you want that conversation.
100%
Fee-only advisors
0
Cold calls — ever
48h
Avg. match time
By the numbers
The clearest picture of your financial future you have ever seen
5 min
to your complete
wealth projection
$0
to get started —
free, always
6
Canadian account types
modelled precisely
47K+
Canadians with
a clearer financial future
"Finally a tool that understands TFSA contribution room, CPP, and doesn't try to sell me something."
— r/PersonalFinanceCanada
What Canadians say
Real clarity,
real Canadians
From r/PersonalFinanceCanada and verified users across the country
"I've been meaning to sort out my RRSP vs TFSA situation for four years. WealthPulse showed me exactly what to prioritise in 6 minutes. I actually did it the same afternoon."
Priya R. · Mississauga, Ontario · Software engineer, dual-income household
"I used to use American retirement calculators and just guess on the TFSA part. This is the first tool that actually knows what an FHSA is."
Marcus T. · Calgary, AB · First-time buyer
"The What-If tool answered the question I was afraid to ask my bank advisor — can I retire at 58? Turns out, yes, if I make one change."
Diane L. · Vancouver, BC · HR director
"Free, actually Canadian, and it didn't immediately try to sell me anything. I genuinely couldn't believe it. Sent it to three friends."
James O. · Toronto, ON · r/PersonalFinanceCanada
Pricing
Honest pricing.
No subscriptions hiding the real cost.
Your financial future shouldn't require a monthly payment. Start free, upgrade when your situation calls for deeper guidance.
Essentials
Free
Always. No credit card.
- Complete wealth projection to age 90
- TFSA, RRSP, FHSA, CPP, and OAS modelling
- 3 What-If scenarios per month
- Province-specific tax calculations
- PDF export of your projection summary
No account required to see your projection
Plus
Most popular$9
/month CADBilled monthly. Cancel anytime.
- Everything in Essentials
- Unlimited What-If scenarios
- Side-by-side scenario comparison
- Debt paydown and mortgage integration
- Advisor matching and introductions
- Annual optimisation review report
Try free for 30 days. No credit card to start.
Bank-grade 256-bit encryption
No data sold to advisors
PIPEDA compliant · Canadian data residency
Questions
The things Canadians actually ask us
Is WealthPulse actually free?
Yes. The Essentials plan is permanently free — no time limits, no credit card required, and no surprise charges. You get a complete personalised wealth projection in under 5 minutes including TFSA, RRSP, FHSA, CPP, and OAS modelling. We offer a paid Plus plan ($9/month CAD) for users who want unlimited What-If scenarios and advisor matching, but the core projection is always free.
Do you need my SIN or bank login?
No. WealthPulse never asks for your Social Insurance Number or bank credentials. We use the information you choose to enter — your approximate savings balances, income, and retirement goals. Nothing is connected to CRA or your financial institutions. You can use rough numbers and still get a highly useful projection.
How is this different from the calculators on bank websites?
Bank calculators are designed to guide you toward their products — RRSPs at their institution, their GICs, their advisors. WealthPulse is product-neutral: we model all your Canadian accounts together, account for CPP and OAS entitlements specific to your situation, and show you a full retirement picture without nudging you toward any particular product. We also include FHSA, which most bank tools don't model at all.
What is the What-If playground?
It's an interactive tool that lets you change any variable in your financial picture and see how it affects your long-term projection in real time. Retire 3 years earlier? Increase TFSA contributions by $200/month? Buy a rental property? Each change updates your wealth projection instantly, so you can make informed decisions before committing to them. Essentials users get 3 scenarios per month; Plus users get unlimited.
How does advisor matching work?
If you decide you want a human to review your plan, WealthPulse (Plus) will match you with a pre-vetted fee-only Canadian financial advisor based on your situation, province, and goals. We vet every advisor for credentials, transparency on fees, and a fiduciary commitment to your interests. We never share your data with advisors without your explicit consent, and you're never contacted unless you initiate the request.
Is my data safe and private?
WealthPulse uses 256-bit encryption for all data, follows PIPEDA (Canada's federal privacy law), and stores all data in Canadian data centres. We do not sell your data to third parties, advisors, or marketing partners — ever. The anonymous use of the projection tool requires no account at all, meaning no personal data is collected or stored until you choose to create one.
Get started free
Your financial future is already in motion.
See where it's going.
Five minutes is all it takes. No account required to see your projection. No pressure, no cold calls. Just clarity — built for Canadians, by Canadians.
No account required
No SIN or bank login
Canadian data, Canadian servers