AI Financial Planning for Canadians
Your family is leaving
$4,280 on the table
Hidden deductions, TFSA vs RRSP, and your retirement plan — in 2 minutes.
CRA-aligned13 provincesAES-256
Tax Saved
$4,280
7 deductions found
Effective Rate
22.4%
down from 28.1%
Credits Found
7
auto-detected
Tax Savings BreakdownBy category
RRSPCreditsSplittingCCBWFHOther
Income splitting alone saves this household $1,400/year
$4,280
average tax savings found
2 min
to your first insight
$8.25
per month, full plan
Built for families like yours
New to Canada
Unsure which accounts to open first?
TFSA priority + $7,000/yr savings path
Growing Family
Missing CCB, RESP grants, spousal credits?
$4,200 in missed benefits found
Pre-Retirement
Want to retire before 65?
CPP deferral saves $340/month in retirement
Plans that pay for themselves
Most families save more in deductions than the plan costs.
Free
Get started quickly
$0
- AI onboarding (2 min)
- Basic tax calculator
- CCB + GST/HST estimate
- Family dashboard
Starter
PopularComplete financial plan
$8.25/mo
Billed annually at $99/yr
- Everything in Free
- Full tax optimization
- Retirement + CPP/OAS projection
- TFSA vs RRSP strategy
- Cash flow + debt payoff
- What-if scenarios
Pro
AI-powered insights
$16.58/mo
Billed annually at $199/yr
- Everything in Starter
- AI Financial Advisor
- Document upload + auto-fill
- AI-generated PDF reports
- Priority support
No credit card required · Cancel anytime
Common questions
What is LazyPlan?▾
LazyPlan is an AI-powered financial planning tool built specifically for Canadians. It analyzes your tax documents (T4, NOA, T5), provides personalized TFSA vs RRSP advice, retirement projections with CPP/OAS optimization, and generates professional financial reports — all using 2026 CRA-verified tax data.
Should I contribute to TFSA or RRSP first?▾
It depends on your marginal tax rate. Generally, if your marginal tax rate is above 30%, RRSP provides more benefit due to the tax deduction. If your income is lower, TFSA is often better since withdrawals are tax-free. LazyPlan calculates the optimal split based on your specific income, province, and retirement timeline.
How much does a financial planner cost in Canada?▾
A financial planner in Canada typically charges $2,000 to $5,000 for a comprehensive financial plan. LazyPlan provides AI-powered financial analysis starting at $0 for basic features, with full analysis available from $9.99/month — 95% cheaper than traditional financial planning.
When should I start collecting CPP?▾
You can start CPP as early as age 60 (with a 36% reduction) or delay until age 70 (with a 42% increase). The optimal age depends on your health, other income sources, and life expectancy. LazyPlan provides a break-even analysis comparing CPP at ages 60, 65, and 70 based on your personal financial situation.
See what you're leaving on the table
2-minute setup · No credit card · All 13 provinces
Get Your Free Plan