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

Premium — From $30/3mo

Your AI Investment Analyst,
Always On. Always Watching.

Upgrade and unlock AI that knows your portfolio — not generic advice, but analysis of your exact holdings, tagged positions, and investment goals.

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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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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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 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.

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.

Simple Pricing

Transparent. No Surprises.

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

📈 3 months

$30/3mo

$30 for 3 months

Everything in Free
AI Analytics & Chat
Portfolio insights
Specialist Assistance

Get 3 months — $30

Your Complete
Financial Command Centre

Everything you previously had to pay for