A Map of Your Household Finances
Get the picture first, then decide who to call.
Nothing to sell. No sign-up.No name, no phone number, no dollar amounts.Go through it on your own, with no one across the table.An AI asks one question at a time.You tap Yes, No, Not sure or Prefer not to say, or just talk to your phone if you want to say more.In about 15 minutes, you get a list.It shows what is not worked out yet, who to ask about each one, and by when.Next time someone pitches you a product, you know what to ask.
By tapping Start you agree to what is described in "Who can see my information".
See a sample report firstMap first, then a guide
Before a trip you look at the map: where you are, where you are going, which stretches you have never driven. Then you decide who to ask for directions.Household finances work the same way. Your insurance, mortgage, RRSP, TFSA and will each sit in their own corner, and few people have ever laid them out on one map.MoneyCaddie draws that map: which spots are not worked out yet, who to ask about each one, and by when.Which way to go, what to buy, sell or switch, it does not say. That part is yours.
Heard it at a seminar?
"Guaranteed." "Tax-free by law." "Over 6% a year." "Nobody can take it away from you."Your heart beats a little faster when you hear that. Normal.The other half is the conditions: which part is guaranteed, 6% of what, and when tax comes due. There is no time for it on stage, and nobody asks afterwards.Back home, it turns out different from what you thought. "Insurance is all a scam," and then you stop trusting even the parts insurance could actually help with.
It is not always bad intent. When all you have is a hammer, everything looks like a nail.MoneyCaddie has no hammer. It sells nothing, and it sells nothing on anyone's behalf.
Where the hammer does not reach
The biggest holes in a household are the ones nobody sells, so nobody mentions them:
- The will is signed, but the beneficiary on the RRSP is still the name from ten years ago
- The group life insurance from work ends the day you leave, and nobody told you
"Why would I tell you about my family?"
Sorting out the household finances used to mean sitting down with someone. An advisor a friend introduced, two hours across the table, awkward to leave without buying something, awkward to say "I don't know."Nobody is watching here. You do not have to tell us who you are: no sign-up, no name, phone number or email. Your profile is a random ID, and nobody will call you.The questions are about the outline: how many people at home, how old the kids are, whether there is a mortgage, whether your insurance comes from work, that kind of thing. No dollar amounts are asked, and there is no need to type any.
On your own, no one across the table
ChatGPT can answer almost anything, but it does not ask you. What you do not ask about, it treats as if it does not exist.MoneyCaddie asks. You answer, one at a time, mostly by tapping."Not sure" is nothing to be embarrassed about. It is an answer too, and it shows up on the list. "Prefer not to say" is fine as well; the questions after it are not affected.About 15 minutes. You can leave in the middle, keep your link, and come back to where you stopped.
Take the list with you
Every item on the list says three things: what to find out, who to ask, and by when.Who to ask: a lawyer, an accountant, an insurance advisor, an investment advisor, your lender, HR at work, and quite a few you can check yourself. You can also paste one into ChatGPT and have it look into it.Next time someone sits across the table selling you something, the list is in your hands, and you decide what to ask.To see what it looks like first, there is a sample report at the top of the page.
Who is it for?
People living and working in Canada: just out of school, a few years into a job, raising a family, running a business, getting ready to retire, or already retired.
Who can see my information?
- No sign-up. No name, phone number or email. Your profile is a random ID, and nobody will call you.
- When you type, leave out your real name, account numbers and address. We have no use for them.
- Only your link opens your profile. A PIN makes it safer: once set, opening the profile asks for it, and we cannot see the PIN either.
- What you type goes to an AI model (Google Gemini), which reads it and writes the questions. The model service and the servers that store the data may be outside Canada.
- The people who build MoneyCaddie may read these answers, only to improve the questions and the report. Your information is not sold, and it is not used to sell you anything.
- To delete your profile, leave us a message at the bottom of the page with the link you saved, and we delete all of it.
- The message link at the bottom is a Google Form. What you type there is collected by Google and does not go through MoneyCaddie.