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.
Open the toolCanadian financial-decision tools
Know what matters next.
Money Journal helps you turn a real money situation into a clear, source-aware next step, without forcing an account, a bank connection, or a generic plan.
No mandatory account Answers stay on your device
Money Flow CheckupFree · 4–6 min
Question 4 of 12
Is the next 30 days of essentials and minimum payments covered without borrowing?
Yes, I think so ↗
No or not sure
Built for safe next steps. We do not use a fixed money hierarchy or make you guess a sensitive answer.
Made for Canadian decisions, not generic finance content.
Sources at the point of useRule versions shownLocal exports
Start free
One checkup. A more useful next move.
The Money Flow Checkup asks a small number of high-information questions. It looks for urgent constraints first, then gives you one primary action, a secondary action, and a clear reason.
Try the free Checkup
01
Current state
“My income varies, and I’m not sure what I can move to personal spending.”
02
Useful next step
Create a 90-day independent-income routine, not a vague budget.
No fit? You still leave with a useful free action.
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Built around a decision, not a subscription.
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Open the toolThe Money Journal method
Use the right fact, at the right moment.
We separate government facts, your assumptions, our arithmetic, and the questions that need professional judgment. If a rule is due for review, it does not quietly keep calculating.
Read our method01
Minimal inputsWe ask for only what changes the next step.
02
Clear boundariesWe show what the tool does not decide.
03
Visible sourcesEvery high-impact result carries a source and version.
04
Useful exitsIf a tool does not fit, we route you to the right resource, not a hard sell.
A calmer first step
Start with the question in front of you.
The free Money Flow Checkup is designed to help you see what belongs first, without storing your answers.