FamilyFunds — Your Complete Financial Platform

Included for Free

Everything you previously had to pay for

No monthly fee. No credit card. Just powerful tools to track and plan every corner of your financial life.

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Portfolio Tracker

Multi-portfolio. CSV/XLSX import. RESP, RRSP, TFSA, Cash accounts. Real-time prices every 10 min. Yahoo Finance sync with Premium.

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Tax Calculator

Canadian capital gains (ACB method). RRSP/TFSA tax scenarios. Import from spreadsheet. Instant tax liability estimates.

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Budget & Expenses

Monthly expense categories, income tracking, savings rate calculation and trend charts across your whole household.

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Retirement Planner

CPP/OAS/RRSP/TFSA projections. Custom savings rate. Compound growth to target retirement date with scenario modelling.

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Property Tracker

Track real estate and vehicle values over time. Mortgage balance vs. equity. Net worth snapshot including all assets.

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Financial Planning

Goals tracker, savings milestones, debt payoff calculator. Visualise your path to financial independence step by step.

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Transaction History

Full chronological log of every buy, sell, dividend across all portfolios and accounts. Filter and search in one click.

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CSV / XLSX Import

Bring in data from Questrade, Wealthsimple, Yahoo Finance or any broker export. Bulk multi-portfolio import supported.

Step by Step

Up and Running in Minutes

Three simple steps — then the platform does the heavy lifting.

Create Your First Portfolio

Go to Portfolio → Management Tools, open the Portfolios tab and name your first portfolio (Watch list, RESP, RRSP, etc.). Click Add — it appears instantly.

Add as many portfolios as you need
Each tracks its own P&L and history
Group accounts any way you like

Portfolio → Portfolios tab → Add portfolio name → Click Add

Import Your Holdings

Switch to the Import/Export tab. Choose a file and click Import to load your holdings from a CSV exported by your broker, or from Yahoo Finance.

Import CSV from any broker
Upload XLSX workbooks
Sync live from Yahoo Finance
Bulk-import multiple portfolios at once

Import/Export tab → Choose CSV → Click Import

Tag, Filter & Track

Use the Groups tab to tag each position with your current intent — Hold, Buy, Sell order, Increase, Reduce and more. Filter across all portfolios simultaneously to see exactly which positions need action.

11 action tags per position
Filter any tag across all portfolios
Cross-portfolio summary at the top
Real-time price refresh every 10 min

Groups tab — tag every position, filter instantly across all portfolios

Full Transaction History

Every buy, sell and import is logged automatically. Search, filter or export the complete history across all your portfolios and accounts — with purchase price vs. current price always visible.

Searchable full transaction log
Shows purchase price vs. current price
All accounts combined in one view

All Portfolios History — every transaction, filterable by any text

Platform Services

Every Financial Dimension, Covered

FamilyFunds goes far beyond portfolio tracking. Here is every specialized module included in your account — each built around how real families manage real money.

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Rental Property Tracker

Track every dollar your rental generates and every deductible expense — organized exactly the way CRA expects it at tax time. No more spreadsheets, no more guessing.

Log rental income with payment schedule and received status
Categorize business expenses by CRA line number (e.g. Line 8960 — Maintenance & Repairs)
Track car and travel mileage for deductible trips (KM + cost by year)
Net Income = Income − Expenses − Travel, computed automatically
Year filter to isolate any tax period (2025, 2026, All Years)

Rental Property Tracker — income $14,250 · expenses $4,332 · net income $9,918

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Canadian Retirement Planner — CPP · OAS · GIS · RRSP · TFSA

Model your full government benefit picture before you retire. Compare CPP and OAS start-age scenarios side by side and see the exact dollar impact of claiming early or deferring.

CPP estimate from your contribution years and avg earnings — compare start ages 60 to 70
OAS with automatic deferral bonus (+0.6%/month past 65, up to +36% at age 70)
GIS estimate based on your projected net income
RRSP, TFSA and other account inputs with full projection timeline
Expenses and Other Income tabs for a complete retirement budget

Canadian Retirement Planner — CPP · OAS · GIS · RRSP · TFSA

Gov't Benefits tab — CPP $881.85/mo · OAS $636.71/mo · GIS $645.96/mo by start age

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Sabbatical & Pre-Retirement Runway Planner

Know exactly how long your savings last before you leave work — or after you retire. Enter assets, income, passive income and monthly expenses and get your runway instantly.

Total liquid assets across up to 4 accounts tracked in real time
Monthly income, passive income (dividends, interest, rental) and expense breakdown
Base-case portfolio balance chart — month by month for the first 24 months
Three simultaneous scenarios: Worst Case, Base Case, Best Case
Scenario tab to stress-test different spending multiples and return rates

Sabbatical & Pre-Retirement Runway Planner

Planning Overview — $650K assets · Runway: Indefinite · 3-scenario comparison

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Capital Gains & P/L Calculator

Get a clear, tax-ready picture of your realized gains and losses, net of all trading fees and taxes — broken down by year and by currency.

Realized P/L and P/L % — all years or filtered by tax year
Auto-calculated trading commissions for CAD and USD trades (by rate per trade)
Taxes tracked separately in CAD and USD
Net Realized P/L after fees, and Net P/L after Fees & Taxes
CAD-converted totals for cross-currency portfolios

Capital Gains summary — realized P/L, auto fees and net after taxes by year

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⭐ Premium Feature

Small-Business Tracker

A complete accounting suite for sole proprietors and small businesses — including invoicing, client billing, and timesheet tracking. Premium users also receive dedicated support from the RCSLogic team tailored to their business needs.

Revenue (ex-GST), expenses, and net business income by period
Generate professional invoices directly from logged timesheets
Vehicle and travel reimbursement logging
CCA (capital cost allowance) depreciation schedules
Bank transaction import and full cash flow view
Built-in Tax Planner and Income Plan modules
Send bills to clients and track payment status
Premium users receive dedicated RCSLogic support for custom business needs

Small-Business Tracker — revenue $50K · expenses $10K · net income $40K · Mar 2026

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⭐ Premium Feature

Family Bookkeeping & Tax Prep

CRA-aligned family records and T1 income tax preparation. Import data directly from your portfolio, business tracker, and rental records — no double entry.

Live federal tax estimate as you enter income
Sync capital gains from Tax Calculator, rental income from PropTrack
RRSP contribution and deduction limits auto-calculated
CPA Portal — generate a secure link to share with your accountant
T1 2025: employment, dividends, self-employment, RRSP, medical, donations

Family Bookkeeping — T1 2025 income summary, live tax estimate & CPA Portal

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⭐ Premium Feature

AI Will Builder

A guided 100-question process to generate a complete, personalized Canadian Will — powered by AI. Your answers shape every clause. Review the result with a legal specialist.

Covers executor, beneficiaries, guardians for minor children
Specific bequests, residue distribution, and digital assets
AI explains each question and the legal implications of your choice
Generate a full Will document ready for legal review
Connect with a licensed legal specialist from within the platform

AI Will Builder — guided 100-question process with AI explanations and legal specialist access

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⭐ Premium Feature

Insurance Planning

Analyze your coverage across all policy types, identify gaps before they become expensive, and connect with licensed insurance specialists — life, disability, home, auto, and business.

Coverage gap analysis — life, disability, critical illness, home, auto
Compare your coverage against income replacement needs
Policy optimization recommendations from AI
Connect with car, home, business, and life insurance specialists
Track all policies in one place with renewal reminders

Insurance Planning — coverage gap analysis across all policy types with specialist referral

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⭐ Premium Feature

Family Analytics Dashboard

Your entire financial picture — one screen. Net worth, cash flow trends, retirement runway, and smart alerts that notice anomalies before you do.

Consolidated net worth across all accounts, portfolios, and properties
Cash flow trend — rolling 3 and 6-month averages with outlier detection
Retirement runway projection with date countdown
Smart alerts: emergency fund coverage, RESP targets, savings rate
Household financial health score with detailed breakdown

Family Analytics — net worth, cash flow trends, retirement runway, and smart alerts in one view

Premium — $50/year

Your AI Investment Analyst,
Always On. Always Watching.

Upgrade to Premium ($50/year) and unlock all 6 services including AI Analytics, Small-Business Tracker, Family Bookkeeping, Will Builder, Insurance Planning, and Family Analytics. Plus an installable version that runs on your own device — no internet required. Your data stays with you.

Portfolio Analytics with AI — live demo

You

Which of my holdings are down the most from my purchase price and should I be adding?

Based on your portfolio, here are your top buy opportunities — positions down 3%+ from your cost basis:

Ticker	Portfolio	Down from cost	Consider
BMNR	Watch list	−43.5%	BUY?
MSTR	Watch list	−26.2%	BUY?
NVO	Watch list	−16.5%	BUY?
MSFT	RESP	−14.3%	1st BUY?

Green = ≥3% below your purchase price. Blue = first-time opportunity in that account.

You

Give me a 5-year bear/base/bull scenario for PLTR

PLTR 5-Year Scenario Analysis (2024 → 2029):

Scenario	2029 Price	Revenue	Net Margin
🔴 Bear	$35	$4.8B	7%
🟠 Base	$95	$8.2B	23%
🟢 Bull	$220	$15.5B	31%

PLTR looks moderately attractive — AI/AML platform momentum is strong, but the 106 P/E ratio suggests much future growth is already priced in.

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Wealth Compass™

Your market intelligence navigator. Combines the Market Mood Index, Family Resilience score, and Goal Urgency into one actionable dashboard. Get a concrete action plan — suggested cash allocation, buying intensity, and a 10-year chart comparing disciplined vs. emotional investing — so you always know what to do next, not just what is happening.

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Financial News — Holdings in Focus

Every day, AI scans the top market headlines and maps them directly to your portfolio. See the 10 most critical stories filtered to the stocks and ETFs you actually own — so you never miss news that moves your money, and you skip everything that does not.

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S&P 500 Buy Opportunities

Scans the entire S&P 500 for large-cap stocks trading at the steepest discounts from their 52-week highs. Ranked by discount — PYPL −42%, ADBE −36%, QCOM −33%.

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Portfolio Buy Recommendations

One click — AI analyses every holding across all your portfolios and surfaces the ones most discounted from your own purchase price. Green = strong add opportunity right now.

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Portfolio Ideas — ETF + Dividends + S&P 500

AI-curated model portfolios built from discounted ETFs, dividend stocks and S&P 500 picks. Conservative, balanced and growth mixes — with projected 5, 10 and 20-year historical ranges.

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Compare Multiple Stocks

Side-by-side financial comparison across 2–4 stocks. Revenue, operating margin, net income, P/E, forward P/E, debt — historical and current, all in one table.

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Stocks Consolidation — Know Your True Exposure

Uncover hidden concentration risk across your direct holdings and ETFs. The AI cross-references every stock against the top-20 holdings of your ETFs, calculates combined exposure, flags High and Medium risk positions, and delivers concrete recommendations — so you always know your real diversification, not just what is written on the label.

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Leveraged ETF Ideas — Bull & Bear Market Signals

Detects the current market regime (bull or bear) in real time using SPY's 200-day moving average and the VIX, then scores 37 leveraged and inverse ETFs on RSI(14), distance from the 50-day MA, and 5-day momentum of each underlying index. Bull market: top 20 long leveraged ETFs with the strongest entry timing. Bear market: top 10 inverse ETF ideas ranked by liquidity. Only ETFs above $100M AUM and 100K daily volume qualify — every result is tradeable and stable, never obscure or at closure risk.

Bull Market — top long leveraged ETFs by entry timing score

Bear Market — top inverse ETF ideas ranked by liquidity

Premium AI 5-Year Scenario Analysis — Bear / Base / Bull projections for any stock, with revenue, margin and P/E forecasts plus full AI reasoning

🚨 Portfolio Sell Recommendations One click — AI scans all your holdings for positions trading 3%+ above their 52-week peak and ranks them by profit potential. No sell signals? See your top 5 best-performing stocks by P/L % instead.

⭐ Premium Feature

All 6 Premium Services — $50/year

One annual plan unlocks everything. Installable version included — runs on your own device.

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AI Portfolio Analytics

Portfolio chat, buy recommendations, S&P 500 scanner, 5-year scenario analysis, ETF & dividend ideas — powered by Claude AI.

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Small-Business Tracker

Track income, expenses, and cash flow. CRA-ready reports, GST/HST tracking, and business tax optimization tools.

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Family Bookkeeping & Tax

CRA-aligned family records, tax preparation, T1 support, and eliminate overpaid taxes with organized bookkeeping.

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AI Will Builder

100-question guided process to generate a complete, personalized Canadian Will — powered by AI. Review with a legal specialist.

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Insurance Planning

Analyze coverage gaps, optimize existing policies, and connect with insurance specialists — life, car, business, and home.

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Family Analytics Dashboard

Consolidated family financial overview, net worth tracking, cash flow trends, smart alerts, and retirement runway analysis.

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Installable Version — Runs on Your Own Device

Premium users receive a private installer from our support team. The app runs entirely on your own computer — no internet, no cloud, no external access. Annual renewal keeps you on the latest version. If you choose not to renew, your installed version continues working indefinitely. It is your data and we strongly recommend keeping it on your own personal devices.

Simple Pricing

Transparent. No Surprises.

Core platform is always free. Pay only for Premium AI features — cancel any time via eTransfer.

📈 Free Access

$0/Core platform, forever

Portfolio tracker (unlimited)
CSV / XLSX import & export
Tax calculator
Budget & expense tracker
Retirement planner
Property & business tracker
Transaction history

Request Free Access

Annual Plan

⭐ Premium Annual

$50/yr

$50/year — one simple payment

Everything in Free
AI Portfolio Chat (50+ queries/day)
Small-Business Tracker
Family Bookkeeping & Tax Prep
Family Will Builder (AI-powered)
Insurance Planning
Family Analytics Dashboard
Specialist Assistance (9 types)
🔒 Installable version — use on your own device

Get Annual Plan — $50/yr

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Your Data Stays on Your Device

Premium users receive an installable version of FamilyFunds delivered by our support team. Run it entirely on your own computer — no internet connection required, no external servers, no cloud uploads. Annual renewal provides access to the latest version updates. If you choose not to renew, your installed version continues working indefinitely. It is your data and we recommend keeping it on your own personal devices.

Payment via eTransfer — no credit card required. Annual plan renews access to latest updates; your current version always keeps working.

Your Complete
Financial Command Centre

Everything you previously had to pay for