Find the money you're leaving behind
Toonies is the financial OS for Canadian households. Around forty CFP-grade optimizations, run against your actual numbers and recomputed every time something changes.
Found so far
$0
per year, from 4 findings
Every figure expands to its arithmetic and its source.
The price and the payout
Data entry is the price.
We make it pay out while you type
Nobody reconciles transactions for pleasure. They do it because it is the toll for insight they cannot otherwise buy at a price they will pay. So the counter moves while you are still filling in the first screen — and every dollar on it is nameable.
Ask anything
The narrative is the push. Questions are the pull. Both run on the same reconciled data, and an answer that cannot be traced back to your own numbers does not get given.
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Where it went
Savings rate
32.2%
Reconciled across every account, with internal transfers netted out. A household with several accounts records every internal move twice — anything that counts those as spending is wrong.
The catalog
Every play is grouped by what it needs from you
Ten plays before you have finished typing
Your statements, read the way a planner would
The decisions worth six figures
Why Canada is different
The value is entirely in where the standard advice is wrong
The generic ladder — emergency fund, then debt, then investing — is common knowledge and mostly right. The exceptions are where a $25,000 planning engagement earns its fee, and where the boilerplate you will find on a forum is wrong for your household specifically.
The employer match beats your credit card
A 50–100% instant return has no competitor — not even 20% card debt. It is the first move in the sequence and it is routinely left on the table.
RESP jumps the queue
20% guaranteed on the first $2,500 per child per year beats any debt under roughly 20%. Catch-up is one prior year at a time, so missed years are gone for good.
With kids under six, an RRSP is worth more than your tax bracket says
Contributions cut net income, which raises the Canada Child Benefit. The effective rate reaches 50–70% — enough to beat paying down a 6% mortgage.
For a low-income retiree, an RRSP is actively harmful
Withdrawals claw back the Guaranteed Income Supplement at roughly fifty cents on the dollar. TFSA first, always. Getting this backwards does real damage.
Ontario and British Columbia are verified for the 2026 tax year. Other provinces are not supported yet, and we would rather say nothing than say something wrong.
The deliverable
Mimic the planning session, then beat it
Where you stand · what to do · what changed · what is ahead. Four sections, same order every month. Always current, auditable to the source, and answerable at 11pm on a Tuesday.
What to do
Stage 3 · Emergency fundThree moves, in order
Move $18,400 from chequing to a HISA
$640/yr · this week
Contribute $8,000 to the RRSP before Mar 2
$4,640 back · 27 days
Top up both RESPs to $2,500 each
$1,000 CESG · by Dec 31
What's fine — by name
What this costs elsewhere
A fee-only planner
$5,000–25,000
Runs the plays once, hands you a PDF. Stale in six months.
A dedicated advisor
0.9% / yr
Plus a $1M minimum in assets. Reviewed once or twice a year.
Toonies
$2 / month
Every play, recomputed on every new fact. No minimum.
We are software, not an adviser. Findings describe patterns in your data and quantify them — they never recommend a product.
The forecast
Two labelled lines, not a fog
A cone of probability reads as vagueness. Two lines read as a range you can reason about — with the Stage you will be standing on marked along the way. Add an event and watch both redraw against the old ones.
Net worth today
$412,800
At 65 — optimistic / pessimistic
$2.41M / $1.28M
From households using it
What it replaced was a spreadsheet
“I'd been sitting on $22,000 in chequing for about two years, purely because moving it felt like admin. Toonies put a number on what that was costing me — $740 a year — and I moved it that afternoon.”
Placeholder name
Toronto · two kids under six
Friend of the founder
“The RRSP and Child Benefit thing I genuinely did not know about, and my accountant has never once mentioned it. It changed what I contributed in February.”
Placeholder name
Ottawa · single income
Family member of the founder
“I export the CSV once a month and it just knows what everything is. No categorising, no cleaning up after it. That was the part I fully expected to hate.”
Placeholder name
Vancouver · self-employed
Friend of the founder
Placeholder quotes — written to size the layout, not collected from anyone. Replace before this page goes public.
Households, not accounts
Add your partner free and get the household layer
Start alone — one person does the entering. But spousal room, splitting and CCB are all two-sided, so the second participant was never allowed to be expensive to add.
Reasonably asked
No, and that is a deliberate line rather than a disclaimer. Every finding describes something in your data, quantifies it, and stops. It will tell you $18,400 has sat in chequing since March at roughly 0.05% while comparable Canadian HISA rates are 3–4%, and that the gap is about $640 a year. It will not tell you which account to open.
Two numbers, sixty seconds
Province and income is enough to light up the first ten plays. No account needed to see them.