# Eleev — Your Finances, Figured Out Eleev is a free, bilingual (English/French) personal finance app built for Canadians. Track your portfolio, plan your mortgage, calculate your FIRE number, and more — all from one app. Available on Web, Android, and Windows. --- ## Features | Calculator | Description | |---|---| | Portfolio Tracker | Track holdings across TFSA, RRSP, FHSA, and Non-Registered accounts | | 30-Year Projections | DRIP vs No-DRIP comparison with S&P 500 benchmark | | Dividend Calendar | Monthly/quarterly/annual income breakdown by ticker | | Sector & Country Exposure | Pie chart breakdown including ETF look-through | | Mortgage Calculator | Canadian stress test, CMHC insurance, GDS/TDS ratios | | Rent vs Buy | Side-by-side comparison with break-even analysis | | Car Cost Calculator | Loan vs lease vs cash with depreciation modeling | | Budget Planner | Multi-person, category-based with debt/car import | | FIRE Calculator | Lean/Standard/Fat FIRE with withdrawal simulation | | Savings Goal | Target-based with compound interest | | Debt Payoff Planner | Avalanche vs snowball strategies | | Debt vs Invest | Side-by-side payoff vs investment comparison | | Net Worth Calculator | Assets vs liabilities with growth tracking | | Registered Accounts (TFSA · RRSP · FHSA) | Contribution room + tax-aware growth projection with provincial marginal rates | | Capital Gains Calculator | Canadian inclusion rate with provincial tax | --- ## Pricing | Feature | Free | Pro ($8.99/mo) | Premium (Coming Soon) | |---|---|---|---| | All 15 calculators | Yes | Yes | Yes | | 4 visual themes | Yes | Yes | Yes | | Bilingual (EN/FR) | Yes | Yes | Yes | | No ads | Yes | Yes | Yes | | Cloud sync | - | Yes | Yes | | Live market prices | - | Yes | Yes | | Financial profile sync | - | Yes | Yes | | Full automation | - | - | Yes | --- ## Download - **Web**: [eleev.ca](https://eleev.ca) — works on any browser, no install required - **Android**: Direct APK download from the app - **Windows**: Desktop installer via Electron --- ## About Eleev is a personal finance suite designed specifically for Canadian tax rules and financial products. Every calculator accounts for Canadian-specific details like CMHC insurance, the mortgage stress test, FHSA rules, provincial tax brackets, and the capital gains inclusion rate. All calculators run entirely on your device. There is no tracking, no ads, and no data selling. Cloud sync is an opt-in Pro feature powered by Supabase. ### Accessibility - **4 visual themes**: Dark, Light (Industrial Loft), Obsidian, Forest Green - **4 font options**: Lexend, Inter, OpenDyslexic (dyslexia-friendly), Atkinson Hyperlegible (Braille Institute) - **Bilingual**: Full English and French support --- ## FAQ **Is Eleev free?** Yes. All 15 calculators, portfolio tracker, 4 themes, and bilingual support are completely free with no ads. **What does Pro add?** Pro ($8.99/mo) adds cloud sync so your data is backed up and available across devices, plus live market price updates and financial profile sync across calculators. **Is my data private?** Yes. All calculations run on your device. No data is sent anywhere unless you opt in to cloud sync with a Pro subscription. **Should I contribute to my RRSP or TFSA?** It depends on your income, tax bracket, and goals. Generally, RRSP is better if your current tax rate is higher than your expected rate in retirement. TFSA is better for flexibility. Eleev's RRSP vs TFSA calculator compares both scenarios with your actual provincial tax rates. **What is the FHSA?** The First Home Savings Account (FHSA/CELIAPP) lets first-time buyers save up to $8,000/year (lifetime max $40,000). Contributions are tax-deductible and qualifying withdrawals for a first home are tax-free. **How are capital gains taxed in Canada?** 50% of capital gains are taxable — the same flat rate on all realized gains (the proposed 2/3 rate above $250,000 from Budget 2024 was deferred and then cancelled in 2025). Your principal residence is fully exempt; adjusted cost base applies on the rest. **Does it work for US or international users?** Eleev is built for Canadian tax rules, account types, and financial products. The portfolio tracker supports US and Canadian exchanges, but the calculators (mortgage, tax, FHSA, etc.) use Canadian-specific rules. **Is it available in French?** Yes. Eleev is fully bilingual — every screen, calculator, and setting is available in both English and French. For 26 more questions about Canadian personal finance: [eleev.ca/faq](https://eleev.ca/faq) --- ## Fonctionnalites | Calculatrice | Description | |---|---| | Suivi de portefeuille | Suivez vos placements dans vos comptes CELI, REER, CELIAPP et non enregistres | | Projections sur 30 ans | Comparaison DRIP vs sans DRIP avec indice S&P 500 | | Calendrier des dividendes | Ventilation mensuelle/trimestrielle/annuelle par titre | | Exposition sectorielle et geographique | Repartition en camembert incluant les FNB | | Calculatrice hypothecaire | Test de resistance canadien, assurance SCHL, ratios ABD/ATD | | Location vs achat | Comparaison cote a cote avec analyse du seuil de rentabilite | | Calculatrice automobile | Pret vs location vs comptant avec modelisation de la depreciation | | Planificateur budgetaire | Multi-personnes, par categories avec import dette/auto | | Calculatrice FIRE | FIRE leger/standard/confortable avec simulation de retraits | | Objectif d'epargne | Base sur un objectif avec interets composes | | Plan de remboursement de dettes | Strategies avalanche vs boule de neige | | Dette vs investissement | Comparaison remboursement vs investissement | | Calculatrice de valeur nette | Actifs vs passifs avec suivi de la croissance | | REER vs CELI | Comparaison ajustee selon l'impot avec taux provinciaux | | Calculatrice CELIAPP | Optimisation du Compte d'epargne libre d'impot pour l'achat d'une premiere propriete | | Calculatrice de gains en capital | Taux d'inclusion canadien avec impot provincial | ## Tarification | Fonctionnalite | Gratuit | Pro (8,99$/mois) | Premium (Bientot) | |---|---|---|---| | 15 calculatrices | Oui | Oui | Oui | | 4 themes visuels | Oui | Oui | Oui | | Bilingue (EN/FR) | Oui | Oui | Oui | | Sans publicite | Oui | Oui | Oui | | Synchronisation infonuagique | - | Oui | Oui | | Prix du marche en direct | - | Oui | Oui | | Synchronisation du profil financier | - | Oui | Oui | | Automatisation complete | - | - | Oui | ## Telecharger - **Web**: [eleev.ca](https://eleev.ca) — fonctionne sur tout navigateur, aucune installation requise - **Android**: Telechargement direct de l'APK depuis l'application - **Windows**: Installateur de bureau via Electron --- ## Links / Liens - Website / Site web: [https://eleev.ca](https://eleev.ca) - App / Application: [https://eleev.ca/app](https://eleev.ca/app) - FAQ: [https://eleev.ca/faq](https://eleev.ca/faq)