# Eleev — Canadian Personal Finance, Elevated > Eleev is a Canadian personal finance app: portfolio tracker plus 15 financial calculators built for Canadian tax rules. Bilingual EN/FR. Available on Web, Android, and Windows. Free tier with no ads. ## Tools (15 calculators + portfolio suite) - Portfolio Tracker: holdings across TFSA/CELI, RRSP/REER, FHSA/CELIAPP, Non-Registered, plus today's change and year-to-date return - 30-Year Projections: DRIP vs no-DRIP with S&P 500 benchmark - Dividend Calendar: monthly/quarterly/annual income by ticker - Allocation: sector, country, and asset class breakdown (includes ETF holdings) - Mortgage Calculator: Canadian stress test, CMHC insurance, GDS/TDS ratios, semi-annual compounding - Rent vs Buy: side-by-side with break-even analysis - Car Cost Calculator: loan vs lease vs cash with depreciation - Budget Planner: multi-person, category-based, debt/car import - FIRE Calculator: Lean/Standard/Fat FIRE with withdrawal simulation, CPP/QPP/OAS offsets - Drawdown Planner: Canadian retirement decumulation — TFSA-last / RRSP-meltdown / OAS-Buffer withdrawal strategies with CPP/QPP/OAS/GIS injected at the right age, RRIF minimums, capital-gains ACB + deemed disposition at death, Monte Carlo (1000 paths), multi-strategy compare - Savings Goal Calculator: target-based compound growth - Debt Payoff Planner: avalanche vs snowball, per-debt-type (credit card, line of credit, loan) - Debt vs Invest: side-by-side payoff vs investment strategies - Net Worth Calculator: assets, liabilities, growth tracking - Registered Accounts (CELI/REER/CELIAPP): TFSA, RRSP & FHSA in one tool — contribution room plus tax-aware growth projection with provincial marginal rates and Quebec abatement - Capital Gains: flat 50% inclusion rate (the proposed 2/3 rate above $250K was deferred then cancelled in 2025), primary residence exemption, adjusted cost base, federal + provincial tax - Payroll Estimator: gross-to-net for all 13 Canadian provinces, CPP/QPP, EI, QPIP, salaried + hourly modes, personal situation, per-paycheck or annual - Inflation Calculator: StatCan CPI-backed, regional and category-aware ## Pricing - Free: all 15 calculators, portfolio tracker, 4 themes, bilingual, no ads - Pro ($8.99 CAD/month): cloud sync across devices, live market prices, financial profile sync - Premium: coming soon (full automation) ## Canadian-specific accuracy - Semi-annual mortgage compounding (Canadian law) - Federal + 13 provincial/territorial tax brackets (with Quebec abatement) - TFSA, RRSP, FHSA contribution limits (annually verified against CRA) - CPP/QPP (Quebec uses QPP, not CPP), EI, QPIP - CMHC insurance tiers, stress test floor, land transfer tax per province - StatCan CPI data for inflation defaults - Bilingual financial terms: CELI (TFSA), REER (RRSP), CELIAPP (FHSA), RRQ (QPP), SV (OAS), SCHL (CMHC), RAP (HBP), SRG (GIS) ## Platforms - Web: https://eleev.ca (works on phones too) - Android: direct APK download - Windows: desktop installer (Electron) ## Accessibility - 4 visual themes: Linen (light cream), Azure (dark blue), Obsidian (near-black slate), Forest (dark green amber) - 4 font options including 2 dyslexia-friendly: OpenDyslexic, Atkinson Hyperlegible - Full bilingual English/French across all tools, calculators, and pages ## Privacy - All calculators run entirely on the user's device — no server round-trip needed for math - No ads, no tracking pixels, no data selling - Cloud sync is opt-in (Pro feature only) — Free users never send portfolio data to a server - PIPEDA and Quebec Law 25 compliant - Active sessions list + 2FA/TOTP available ## Guides (long-form educational content) - TFSA contribution room: https://eleev.ca/guides/tfsa-contribution-room — how CELI/TFSA room accumulates, withdrawal re-contribution rules, current annual limit - RRSP vs TFSA vs FHSA: https://eleev.ca/guides/rrsp-vs-tfsa-vs-fhsa — which registered account to use, tax treatment compared - Mortgage affordability in Canada: https://eleev.ca/guides/mortgage-affordability-canada — stress test, GDS/TDS, CMHC insurance, 25 vs 30-year amortization - Quebec income tax: https://eleev.ca/guides/quebec-income-tax — combined federal + provincial brackets, the 16.5% abatement, marginal vs effective rate - Rent vs buy in Canada: https://eleev.ca/guides/rent-vs-buy-canada — non-recoverable costs, down-payment opportunity cost, break-even stay length - Debt avalanche vs snowball: https://eleev.ca/guides/debt-avalanche-vs-snowball — math-optimal vs behavioural payoff, when the gap matters - Capital gains on investment property: https://eleev.ca/guides/capital-gains-investment-property-canada — 50% inclusion rate, principal-residence exemption, adjusted cost base - When to start CPP/OAS: https://eleev.ca/guides/cpp-oas-when-to-start-canada — timing adjustments, deferral bonuses, OAS clawback, break-even age - RRSP Home Buyers' Plan (HBP): https://eleev.ca/guides/hbp-rrsp-home-buyers-plan-canada — withdraw from your RRSP tax-free for a first home, the withdrawal limit, 15-year repayment - Income splitting in retirement: https://eleev.ca/guides/income-splitting-retirement-canada — spousal RRSPs and pension income splitting to even out retirement income and ease the OAS clawback - LIRA & LIF (locked-in accounts): https://eleev.ca/guides/lira-lif-locked-in-accounts-canada — how a former-employer pension lands in a LIRA then a LIF, withdrawal min/max, unlocking rules - RESP education savings: https://eleev.ca/guides/resp-canada-education-savings — the CESG government match, annual and lifetime limits, how contributions grow tax-deferred - RRSP meltdown strategy: https://eleev.ca/guides/rrsp-meltdown-strategy-canada — drawing down an RRSP early to soften forced RRIF withdrawals and the OAS clawback - FHSA (First Home Savings Account): https://eleev.ca/guides/fhsa-first-home-savings-account — RRSP-style deduction plus tax-free withdrawal for a first home, annual and lifetime limits - The Canadian dividend tax credit: https://eleev.ca/guides/dividend-tax-credit-canada — gross-up and credit on eligible vs non-eligible dividends, why dividend income is taxed favourably - Retirement withdrawal strategies in Canada: https://eleev.ca/guides/retirement-withdrawal-strategies-canada — TFSA-last vs RRSP-meltdown vs OAS-Buffer, RRIF minimums, the OAS clawback, pension splitting ## Links - Website: https://eleev.ca - About: https://eleev.ca/about — who we are, how we keep our figures accurate, and our education-not-advice approach - App: https://eleev.ca/app - FAQ: https://eleev.ca/faq - Privacy Policy: https://eleev.ca/privacy - Terms of Use: https://eleev.ca/terms - Refund Policy: https://eleev.ca/refund-policy Last updated: 2026-05-19 (v1.80.0.0) /score: Free 90-second Financial Health Score quiz (5 vitals: savings rate, emergency cushion, debt level, retirement progress, fees). Bilingual EN/FR. No signup required.