A free account, no plan required to start. We’ll email you a secure link to confirm your address and set a password. There is no password to choose here.
Before you create an account
We keep your email, and anything you later enter to build a plan, so it is here when you return. It is stored by our database and hosting providers, whose servers are outside Canada, including the United States.
We never sell it, and we never share it with fund companies or advisers. You can ask us to close your account and delete your information. Our Privacy Policy explains the deletion period and any limited exceptions.
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This is how we build wealth. Start early, add a little, hold on.
See it with your own money
Your $100 rises with prices each year, so it keeps its buying power.
what your account could show by 65
An estimate, not a promise.
Educational information, not financial advice.
Discipline
Start early. Add steadily. Ignore the noise.
Time does the heavy lifting, not timing. A little every month for years beats a big bet you got lucky on.
Risk you can live with
Match your investments to your timeline, not your nerves.
Too safe and your money goes nowhere. Too wild and you panic-sell at the worst moment. The right level is the one you can stick with.
Diversification
Own more of the market, not more of one company.
You don’t need to guess tomorrow’s winners. By owning a broader piece of the market, you share in its long-term growth while reducing the impact of any single company.
We’ll show you how, in your plan.
The EconCERF Academy
A complete curriculum in plain language, in the right order. It starts with the four questions everyone actually has, and those four courses are free to read, in full, right now. No account. No email.
Tools
Drag a slider and the answer changes in front of you. No spreadsheets, no guesswork. Try 3 of them right now, no account needed.
What it does
Adjust what you save each month, your timeline and your investment mix. See how each choice could change the result.
Why it helps
Compare different paths and see which choices make the biggest difference before you build your plan.
What it does
Move the fee slider and see how it reduces the amount you keep over time.
Why it helps
A fee that looks small can add up over many years. See its long-term cost before choosing a fund.
What it does
Choose what you could save each month and when you might start. See how starting later changes the result.
Why it helps
Starting later gives your money less time to grow. See the difference before deciding when to begin.
8 tools
What they do: Use interactive examples to see how tricky investing ideas work. Change one input, watch the result and see why it changed.
Why they help: Bond prices, yield curves and dividends stop being jargon. You’ll understand the figures you see on a fund’s page.
3 tools
What they do: See the rules every fund must pass, how one fund is chosen from similar ones, and the funds side by side.
Why they help: Understand how the platform reached what it shows you, then judge the result for yourself.
Full side-by-side comparisons are part of EconCERF Plus.
Based on the platform’s published rulesNo. $100 a month is one illustration of a starting amount. You can build a plan using your own number. If you decide to invest through a bank or brokerage, the account and investment may have costs. The Costs and Taxes lesson shows you where to find them.
No. You’ll use simple, diversified funds that hold the whole market for you. No tips, no guessing, no watching charts all day.
Not here. Nothing on this site moves real money. You learn first and act later, when you’re ready, at your own bank. This is a safe place to figure it out.
No catch. We never hold your money and we sell no investments. We don’t even ask your name for a free plan. EconCERF Plus, which adds more planning tools, is free during early access.
Our only product is
your understanding.
Every number we show you comes with its math attached. Open it any time.
The example above is an illustration, not a promise.
Figures are in future dollars, with the value in today’s money shown too. They assume about 2.1% inflation, a monthly amount that rises with it, and the highest band your years allow. They are before investment costs and taxes, and outcomes can fall outside the range. Educational information, not financial advice.