A guided Canadian financial planning experience
Your Financial Picture.
Your Next Steps.
Five connected planning tools to understand where you stand today, explore what your future could look like, and identify what it may take to reach your financial goals.
The planning journey
Five steps. One clearer financial picture.
Follow the sequence for a fuller picture, or open just the tool you need today. Each calculator can be used independently.
Personal Net Worth & Balance Sheet
List your assets and liabilities, calculate net worth, and create an individual or household financial statement.
Open Net Worth Calculator →Personal Cash Flow & Budget
Map income, living expenses, debt payments and savings to identify your remaining monthly or annual cash flow.
Open Cash Flow Calculator →Financial Health Ratio Analyzer
Review leverage, accessible emergency reserves, savings rates, debt-payment ratios and cash-flow flexibility.
Open Ratio Analyzer →Net Worth Projection & Wealth Building
Compare 5-, 10-, 15- and 20-year scenarios involving investment growth, contributions, debt repayment and inflation.
Open Wealth Projection →Financial Goals & Funding Gap
Set multiple goals, test savings assumptions, compare required monthly funding and identify potential funding gaps against available cash flow.
How to use the suite
Start simple. Build your plan.
Enter your figures
Use your own estimates or statements. Start with the Net Worth Calculator, or go directly to the question that matters most.
Review the results
Adjust assumptions, examine the explanations, and print a dated report or export a working copy for your records.
Continue when ready
Use Previous and Next links to move between tools. Where supported, import a saved JSON working copy to reuse figures.
Moving information between tools
Save once. Import where supported.
- In a completed calculator, choose Save JSON or Save JSON Working Copy.
- Open the next tool and look for its Import JSON option.
- Select the saved .json file and review the imported amounts before continuing.
On iPhone: Download the JSON file in Safari, then choose it from the Files app (usually Downloads under iCloud Drive or On My iPhone). The browser may show “No file chosen” again after import even when figures were loaded successfully.
Important: Clicking “Next Step” does not automatically move entries. Each calculator supports different data; not every tool imports the same files. Save working copies securely and avoid counting existing savings twice when comparing goals against available surplus.
Plan with clarity
Practical tools, designed for real decisions
Build a view that reflects your own position or combines household information, where available.
Explore how savings, timelines, growth assumptions and expenses affect projected outcomes.
Print PDF summaries, export working data and revisit your planning assumptions over time.
Frequently asked questions
Before you get started
Do I need to complete all five calculators?
No. Each calculator works on its own. The five-step sequence is useful when you want to build a broader financial picture.
Will my information automatically transfer between calculators?
No. The navigation buttons move between pages only. Selected tools offer JSON import of compatible working copies, which you download and select yourself. Always review imported amounts and assumptions.
Can I use the calculators on an iPhone or Android phone?
Yes. The tools are designed for mobile browsers. For JSON imports, save your file to your device and use the file picker to select it in the destination calculator.
Is my financial information automatically sent to GMFSI?
The calculators are designed to perform their calculations in your browser and do not automatically submit your financial entries to GMFSI. However, the website, analytics services and browser extensions may have separate data practices. Avoid entering identifying information on shared devices, and protect any downloaded reports or JSON files.
Are the results financial advice or guaranteed forecasts?
No. These are educational planning estimates based on the information and assumptions entered. They do not replace personalized financial, investment, insurance, tax or legal advice. Market returns and future circumstances may differ materially.
From information to action
Your numbers are the starting point. Your plan is the next step.
Use these tools to identify questions, trade-offs and opportunities worth discussing. Green Mountain Financial Services Inc. can help you translate your financial picture into an individualized planning conversation.
© 2026 Green Mountain Financial Services Inc. · Protect. Grow. Preserve. · Educational tools only, not individualized financial, investment, insurance, tax or legal advice. Results may not include all relevant variables, including taxes, fees, market volatility and changes in personal circumstances. Protect any downloaded working copies or reports containing financial information.