PROTECT. GROW. PRESERVE.
Financial Goals
& Funding Gap
Turn your goals into numbers. Estimate future costs, test contributions, compare priorities and identify the monthly savings needed to help close a funding gap.
Private in-browser calculations · Canadian dollars (CAD) · Illustrative projections, not guarantees
01 / Statement settings & available cash flow
Enter your available monthly surplus manually, or import a working copy from your Cash Flow Calculator.
Available surplus means money remaining after living expenses, debt payments and current savings contributions. If the planned goal contributions below are already included in your Cash Flow Calculator's savings, do not count them again. Use the comparison as a planning check, not as an automatic affordability determination.
02 / Goals & assumptions
All dollar values CADAdd a goal, customize the amount in today's dollars, choose the years until needed and specify how much is already saved. Contributions are modelled at each month-end.
Each goal is treated as a separate pool of savings. Do not assign the same investments to multiple goals. Annual return and inflation assumptions are constant for illustration and do not reflect volatility, taxes, fees or investment suitability.
03 / Funding gap & cash-flow comparison
| Goal | Years | Future target | Required / mo | Planned / mo | Future funding gap | Coverage |
|---|
Monthly affordability comparison
From information to action
Review goal priorities and affordability before selecting contributions.
The funding gap is the shortfall at the goal date assuming your planned monthly contributions continue. The additional monthly amount needed is the difference between required and planned amounts, floored at zero.
Book a 15-Minute Clarity Session ↗Financial Goals · Needs Review
○Completion confirms review, not independent validation. Changing an input will reset completion.