Pricing
Learn and plan free. Pay only to automate.
Track your household, learn the fundamentals, and use the personal calculators free. Household automates it all and includes unlimited AI. Business adds the owner-manager toolkit — corporate structures, dividends, and the business calculators.
Free
$0forever
Everything you need to replace the net worth spreadsheet — by hand, and yours to keep.
- Net worth timeline, assets & liabilities
- Auto-amortizing mortgages (Canadian compounding)
- Cash flow, savings rate, and the dashboard
- Retirement planner 🇨🇦🇺🇸 and every personal calculator
- Save 1 scenario — paid plans save unlimited
- No AI assistant on Free
Household
$99per year
or $9.99/month, cancel anytime
Everything in Free, automated and shared with your partner — with unlimited AI, usage on us.
- Everything in Free
- Questrade sync — up to 3 logins, daily
- Your partner: one household, one picture
- Unlimited AI assistant + monthly CFO report — usage included
- Full export: JSON, CSV, and a readable PDF report with charts
- Rentals: rent roll, vacancy, lease alerts
- Split view by entity — PREC, Holdco, per person
- Unlimited saved scenarios
Business
$149per year
or $14.99/month, cancel anytime
Everything in Household, plus the owner-manager toolkit: corporate structures, dividends, and the business calculators.
- Everything in Household
- Business owners hub: structure map, dividend waterfall, estate freeze
- Corporate tax (T2), GST/HST, self-employed tax calculators
- Payroll & employer cost, CCA & write-offs
- Dividend optimizer and CCPC take-home
- Unlimited AI assistant — usage included
“Unlimited AI” means unlimited within fair use: 150 assistant messages per household per day, resetting at midnight UTC. Normal use never reaches it — the cap exists so a single account can't run up an inference bill on everyone else's behalf.
Questions people actually ask
- Do I need a credit card to try the paid plans?
- No. Every new household gets 14 days with everything unlocked, Business included. When it ends you drop to Free — nothing is deleted, and your history stays yours.
- What happens to my data if I don't upgrade?
- It stays. Synced accounts stop refreshing and become ordinary manual assets you can still edit. Exports (JSON, CSV, and the PDF report) are part of the paid plans.
- Is AI usage really included?
- Yes — on Household and Business, the assistant and the monthly CFO report run on CanadianFinHub's own AI capacity at no extra cost. Prefer your own Claude or OpenAI key? Connect it in Settings and it takes over.
- Is my brokerage login safe?
- We never ask for your brokerage password. Questrade sync uses a read-only token you generate and can revoke, and it can't place trades.
Prices in Canadian dollars; applicable taxes extra. Paid plans renew automatically (annually or monthly, as chosen) until cancelled — cancel anytime and keep access to the end of the paid period. Not financial, tax, or investment advice.