Surpluse tells you exactly how to split your money across RRSP, TFSA, FHSA, and more — personalized to your income, province, and goals. Then AI helps you invest it smarter.
Most Canadians leave thousands on the table every year because the registered account system is genuinely confusing. You shouldn't need a CPA to figure this out.
The answer depends on your marginal tax rate, expected future income, province, and a half-dozen other variables. The wrong choice can cost you tens of thousands over your lifetime.
42% of Canadians do this. Your TFSA is sheltering $0 in tax-free growth on that savings account. That's like having a gym membership and never going.
Canada has 7+ registered account types across 13 provinces, each with different rules, limits, and interactions. Nobody shows you how they all fit together for your situation.
No jargon, no spreadsheets, no 60-page financial plans. Just clear answers.
Income, province, age, goals — saving for a home? Retirement? Both? A 2-minute setup that captures what matters.
AI calculates the exact split across RRSP, TFSA, FHSA, RESP, and more — with your tax refund, growth projection, and what you'd lose doing it wrong.
Compare scenarios side by side. See how much more you'd have in 10, 20, 30 years by putting money in the right place — then act on it.
We start with tax optimization, then go deeper — helping you decide not just where to put your money, but what to invest it in.
RRSP vs TFSA vs FHSA — solved. Tailored to your exact income, province, tax bracket, and life plans. Updated as your situation changes.
FHSA + HBP interaction, RRSP withdrawal strategies, and the exact math on how to maximize your down payment while minimizing tax.
See the 10, 20, and 30-year impact of different strategies side by side. Real projections based on your numbers, not generic charts.
RRSP deadline approaching? TFSA room reset? We'll remind you when to act and tell you exactly how much to contribute.
Link your brokerage and bank accounts to see your full picture in one place. Know your contribution room without digging through CRA My Account.
All 13 provinces and territories. Federal + provincial tax brackets. Spousal RRSP rules. CESG tiers. OAS clawback. The details generic tools miss.
Once you know where to put your money, we'll help you figure out what to invest in. AI that does the research — so you don't have to spend hours reading filings and earnings calls.
Complete investment research generated in minutes, not hours
Get notified when something important happens to your holdings
AI listens to earnings calls so you don't have to
Tax-optimized portfolio adjustments across all your accounts
Join the waitlist and be among the first Canadians to stop guessing and start optimizing. Takes 30 seconds.
Free forever for early adopters. No spam. Unsubscribe anytime.