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Your financial position
Understand assets, liabilities, cash flow and what you can actually afford to allocate.
A clearer route to financial independence
Make your next move with clarity.
One place to model your investments, property decisions, income, debt and everything between today and age 95. Built for Canadians who want to steer their own financial future.
No subscription. No credit card for the free report. Five-year licences planned at $300; checkout not live.
Your financial outlook
● Model previewAge 35 to 95 · illustrative
Projected net worth$1.84MLong-term projection
Monthly cash flow+$2,450After expenses
TodayAge 65Age 95
Explore multiple futures, side by side
The platform
Every financial decision changes the picture.
LightHaus connects the numbers so you can see how a new home, a pay increase, additional investments or a debt payoff affects the rest of your plan.
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Investment projections
Explore aggregate portfolio balances, contributions and assumed investment returns. Detailed registered-account tax treatment is in development.
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Property strategies
Explore home-purchase milestones, projected property value and mortgage balances. Detailed rental-property accounting is in development.
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Milestones that matter
Map career changes, education expenses, retirement, savings goals and life decisions.
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Scenario comparisons
See how alternate assumptions change your long-term results and short-term liquidity.
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Plan to age 95
Look beyond the next decade with a flexible financial timeline, not a fixed ten-year limit.
A useful place to start
Start with today. Understand next year.
The free Current State & Projections experience asks for essential financial information and up to four milestones. It creates a straightforward first-year outlook, with a 2026 federal and provincial salary-tax and cash-flow estimate, excluding Quebec.
✓ Current assets, debt, monthly cash position and estimated taxes
✓ Up to four dated milestones, from a job change to buying a home
✓ Twelve months of projected cash flows and year-end net worth
✓ Report delivered by email when email delivery is configured
CURRENT STATE & PROJECTIONS
Your first-year outlook
Opening net worth$162,000
Estimated net monthly income$8,450
Living expenses + payments$5,680
Projected year-end cash$71,240
Savings target72% funded
A promotion in July and a home purchase in November can be modelled separately in the first-year report.
Straightforward pricing
One payment. The room to plan.
No annual subscriptions. Paid members receive all core features, product improvements and new versions throughout their access term.
First year
Current State
Free
A starting point for financial clarity
- 12-month outlook
- 2026 Canadian salary tax estimates (excluding Quebec)
- Up to 4 major milestones
- Email-first report delivery
Most flexible
5-year access
$300
CAD · pay once · all core updates
- Full projections through age 95
- Multiple configurable scenarios
- Property and investment strategies
- Debt, cash-flow and milestone management
- All core upgrades during your term
Long-term ownership
Lifetime access
$1,000
CAD · one purchase · no renewal
- Everything in 5-year access
- Lifetime core product updates
- Full age-95 financial modelling
- No future licence renewal
- Continues while LightHaus operates
Prelaunch notice: purchasing is not enabled. Detailed Canadian tax, benefits and multi-property modelling remain under development; displayed paid features describe the planned product.
Lighthaus.digital
Helping you navigate.
Financial planning tools for people who prefer to make their own decisions, with clear assumptions and visible trade-offs.