The tool shelf

Free Canadian tools for one decision at a time.

Each Money Journal tool is a bounded, client-side workspace. It is free to use in full, with no account and no bank connection, and it tells you what it cannot decide before you start.

Free decision tool

Independent Income System

Turn the next 90 days of variable income into a protected-cash routine, planning scenario, and useful next questions.

Plan a tax-reserve scenario you choose and confirm
See protected cash, dates, obligations, and a personal-transfer cap
Create a local accountant-ready question summary

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Free decision tool

Debt Decision Planner

Compare your own repayment scenarios, see the trade-off, and leave with a realistic local plan, not a debt-service pitch.

Compare highest-cost-first and smallest-balance-first paths
Flag plans that do not pay down in the model
Get a local action calendar and trusted-help route if the situation is unsafe

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Free decision tool

Parental Leave Income Map

Turn an uncertain leave period into an illustrative household income map, gap check, and confirmation calendar.

Compare federal leave-income scenarios with your household costs
See the first month a savings bridge could come under pressure
Prepare employer and official-source questions without sharing private details

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What every tool has in common

No mandatory Money Journal account. No bank linking. A local export you control. Sources and limitations beside the result.

How it works