Learn › Master Your Money › Capstone

Build your one-page financial plan

Six short steps that turn everything in this course into a plan specific to you — your net worth, your savings rate, your account order, your allocation, your written policy for when markets fall, and your retirement number. Print it, or keep it here.

Before you start

Everything you type stays in this browser and is never sent anywhere. Nothing here is financial advice — the plan is generated mechanically from your own answers using the frameworks taught in this course. Rough numbers are fine; a plan with approximate figures beats no plan.

Net worth — where you are today

Everything you own, minus everything you owe. This is the photograph from Lesson 1.1. Leave anything blank that does not apply.

Assets

Cash and savings

TFSA

RRSP / RRIF / pension value

FHSA

Non-registered investments

Home and other property

Anything else

Liabilities

Mortgage

Credit cards

Lines of credit

Student loans

Car loan or lease buyout

Anything else owed

Total assets$0

Total liabilities$0

Net worth$0

Savings rate — how fast you are moving

Monthly figures, after tax. Count irregular bills by dividing the annual amount by twelve, and count mortgage principal as saving rather than spending.

Monthly take-home income (after tax)

Monthly spending, everything included

Saved each month$0

Savings rate0%

Your account order

Answer these and the waterfall from Lesson 2.4 is reordered for your situation.

Does your employer match retirement contributions, with room left unclaimed?

Do you carry debt costing more than about 8% a year?

Do you have at least one month of essential expenses set aside?

Are you planning to buy a first home within the next 15 years?

Do you have children under 18?

Roughly what is your annual income before tax?

Do you expect a modest retirement income, where GIS is likely?

Your order

Answer the questions above and your personalised order appears here.

Target allocation

From Lesson 5.2. Choose by the bad year you could live through, not the good year you would like.

Aggressive — 90/10~5% real return. Expect a decline of 40% or worse roughly once a decade. Balanced — 70/30~4% real return. Expect declines around 30%. Conservative — 50/50~3% real return. Expect declines around 20%.

The honest test

If your portfolio fell 30% and stayed there for two years, would you keep contributing on schedule? If the honest answer is no, move one step more conservative. The return you actually receive is the return of the portfolio you hold, not the one you started with.

Your Investment Policy Statement

One page, written now while markets are calm, so that during a crash you are following instructions rather than making decisions. From Lesson 5.3.

I will contribute this much, each month

On this day of the month

This money is for — and I need it in

I will check my balance

If markets fall 30%, I will

The only things that would legitimately change this plan are

Your retirement number

The 25× shorthand from Lesson 8.2, applied only to what your portfolio must cover after CPP and OAS.

Annual spending you want in retirement (today’s dollars)

Expected CPP + OAS per year

Figures are 2026 amounts. Your real CPP estimate is in your My Service Canada Account and is worth ten minutes to look up.

Your portfolio must cover$0

Target portfolio (25×)$0

← Course homeSyllabus & progress Last step →Final exam & certificate

Educational purposes only — not financial, investment or tax advice. RiskStock is not a registered dealer, adviser, or tax professional. Nothing in this course is a recommendation to buy or sell any security or product. Tax and benefit figures are for the 2026 tax year, were verified against official sources on 2026-07-27, and change annually — confirm your own numbers with the CRA and a qualified professional before acting.