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iWealth
Crunching your numbers…
Welcome to iWealth
Meet Wealthy.
Your guide to smarter money.
iWealth makes personal finance simple—so you can focus on what matters most. Get a benchmarked score against real Canadian data in under two minutes.
Secure. Private. Built for Canadians. 🍁
Hi, I'm Wealthy!
I help you understand your financial picture and find your best next move.
Your financial health check
Two quick steps to your score
Tell us a little about your profile and finances. It takes under two minutes—and nothing you enter ever leaves your browser.
1
Step 1Your profile
2
Step 2Your financial snapshot
Step 1 of 2
Your profile
Shapes which Canadian benchmarks apply to you
Who are you checking for?*
If you choose "Just me", enter only your own income, housing, savings and debt. For any household option, enter combined numbers for your household.
Please select who this check is for.
Age band*
Required
City / region*
Required
Career sector*
Required
Specialization
Housing situation*
Renting
Own with mortgage
Own outright
Living with family
Required
Step 2 of 2
Your financial snapshot
Emergency fund balance
$
Money you could access within a week if something went wrong — cash in a chequing account, high-interest savings account, or a TFSA used as savings. Don't count investments you'd need to sell. Scored as months of total monthly needs (housing + debt + essentials).
Emergency fund balance is required. Enter 0 if you don't have one yet.
Annual income (before tax)
$
Your total annual income before tax from all sources. If checking as a couple, add both incomes together.
Enter combined household income — add all earners together.
Annual income is required.
Add up all your income sources
Annual amounts before tax
Employment income
Your annual salary or hourly wages before tax — what appears on your T4. Include any regular bonuses. If paid hourly, multiply your hourly rate × hours/week × 52.
Salary, wages, T4 employment
$
Self-employment & freelance
Net income from freelance work, consulting, or your own business — what you'd report on a T2125. Use your best estimate of this year's earnings.
Freelance, consulting, side business
$
Rental income
Annual rent you collect from tenants or short-term rentals (Airbnb etc.) before expenses. Enter 0 if you don't have rental property.
Tenants, Airbnb, short-term rentals
$
Investment income
Dividends from stocks or funds, and interest from savings accounts or bonds you receive each year. Don't include capital gains from selling investments.
Dividends, interest, investment distributions
$
Pension & recurring benefits
Annual income from employer or government pensions, CPP, OAS, EI, disability benefits, spousal support, or any other regular recurring income.
CPP, OAS, pension, EI, support payments
$
Total annual income
—
Round numbers are fine. Enter 0 for any source that doesn't apply to you.
Total net worth
$
What you own minus what you owe. Add up everything you have (savings, investments, home), then subtract all your debts (mortgage, loans, credit cards). The number left over is your net worth — it can be negative, and that's OK to enter.
Total net worth is required. Enter 0 or a negative number if applicable.
Assets — what you own
Add everything up
Emergency fund
From your emergency fund — already included
$
—
Investments & retirement
RRSP, TFSA (investments), FHSA, pension, LIRA, non-registered stocks, ETFs, mutual funds.
RRSP, TFSA, pension, stocks, ETFs
$
Property & real estate
Estimated market value of your home, condo, cottage, or any other real estate you own. Use a rough number — precision isn't needed.
Home value, condo, rental property
$
Vehicles & other assets
Current resale value of your car, truck, or other vehicles. Use what you'd realistically get if you sold it today.
Car, truck, other vehicles
$
Total assets
—
Liabilities — what you owe
Subtract everything
Mortgage & home loans
Total remaining balance on your mortgage or home equity line of credit (HELOC). Check your latest statement.
Mortgage balance, HELOC
$
Loans & lines of credit
Student loans, car loans, personal loans, and any personal lines of credit — total balances outstanding, not monthly payments.
Student loans, car loans, personal loans
$
Credit cards & other debt
Total amount currently owed on all credit cards — not your limit, but what you actually owe right now.
Credit card balances, buy-now-pay-later
$
Total liabilities
—
Your net worth
—
Round numbers are fine. Loan balances entered here are also used for your debt score below — no need to enter them again.
Monthly Investing Contribution
$
Total you direct toward investments and savings each month. Enter 0 if you don't currently invest. Breaking it down sharpens your Savings Rate score.
Registered
Monthly contributions to registered accounts — RRSP, TFSA, FHSA, pension, LIRA. Divide annual contributions by 12.
RRSP, TFSA, FHSA, pension, LIRA
$
Non-Registered
Monthly amounts invested in taxable accounts — stocks, ETFs, mutual funds, or brokerage accounts outside registered plans.
Stocks, ETFs, mutual funds (outside registered)
$
Others
Anything else directed toward building wealth — real estate investing, private lending, or other savings not captured above.
Real estate investing, private lending, other
$
Total investing
—
Enter 0 for any item that doesn’t apply.
Monthly Expenses
$
Recommended
Your total monthly expenses — housing, debt payments, essential living, and other costs. Breaking it down sharpens your Housing and Consumer Debt scores.
Housing Cost
Your rent, or your mortgage payment (principal + interest). Don't include utilities or property tax.
Rent payment or mortgage instalment
$
Consumer Debt Payments
Include student loans, car payments, credit cards, lines of credit. Do not include rent or mortgage.
Student loans, car, credit cards, lines of credit
$
Essential Living
Your core monthly costs to live — groceries, transport, phone, utilities, dining out, and health. Do not include rent, mortgage, or debt payments.
Groceries, transport, phone, utilities, dining, health
$
Others
Any other regular monthly expenses — subscriptions, childcare, pets, or anything else. Does not include investments or housing.
Subscriptions, childcare, pets, other
$
Total expenses
—
Enter 0 for any item that doesn’t apply.
Use the helper actions (+ Calculate mine, + Break it down) to open guided breakdown panels.
No financial data leaves your browser. 🍁
Privacy: No data leaves your browser. All calculations run locally. Educational benchmarking only — not personalized financial advice.
2
Here's your financial health score
How you stack up against typical Canadian benchmarks for your age and situation.
Your financial picture
Score breakdown & Canadian benchmark
One section — two views. Toggle to compare with your peer group.
B
Overall grade
74
/ 100
You're in solid shape for your age and situation.
0255075100
Your home equity — context only
Not included in your score, but part of your complete picture
Investable net worth (scored)—
Estimated home equity—
Combined total—
Home equity is excluded from your wealth score because it's illiquid and varies significantly by city — keeping the score comparable across renters and homeowners. If your home equity is substantial, your overall financial position is likely stronger than the score reflects.
💬 Expert perspectives
Four coaches, one read on your picture
Four lenses on the same score — each coach surfaces the one thing most worth knowing, in plain Canadian terms.
These perspectives are illustrative archetypes, not real people or advisors. They reframe your score for educational purposes only and are not personalized financial advice. No financial data leaves your browser; all calculations run locally.
Your next moves
Three practical steps, in order of impact
Ranked from your weakest pillar up — start at the top and work down.
💡 Understand the thinking behind your next steps
See how Ramsey, Sethi, Orman & Chilton map to your situation — plus your life-stage checklist.
General educational suggestions anchored to Canadian norms. Not personalized financial advice. Consult a licensed financial planner (CFP/QAFP) for tailored guidance.
Score weights — Savings rate (25%) · Consumer Debt Load (20%) · Emergency fund (20%) · Wealth accumulation (20%) · Housing costs (15%). Wealth accumulation uses total investable net worth against city-adjusted age benchmarks (Statistics Canada SFS). Net income estimated using blended Canadian marginal tax rates. Data: Statistics Canada, CMHC, Fidelity Canada.
Quick question from Wealthy
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Frequently asked questions
Is my data stored anywhere? +
No. Your numbers stay in your browser. No login, no bank connection, and no ongoing tracking. See how data is handled →
Is this personalized financial advice? +
No. This is an educational check-up designed to help you understand where you stand against Canadian benchmarks.
Where do my benchmarks come from? +
We use Canadian public data and clear benchmark rules to compare your results with similar people in Canada. Explore the benchmarks →
How is my financial score calculated? +
Your score combines five areas: savings, debt, emergency fund, wealth accumulation, and housing costs. Each area is scored separately, then combined into one overall result out of 100. Think of it as a quick financial thermometer, not a final judgment. See the full breakdown →
Why might my score be partial? +
If you leave out some information, we can still calculate a result using the sections you completed. How each area is measured →
What if my city or job data is limited? +
If there is not enough local data for a precise comparison, we widen the benchmark and tell you when that happens. See city benchmarks →