Basic Investor

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Simple, transparent self-serve plans.

Built for independent investors. Pick the plan that fits your learning and decision-making goals.

💡 Cost of doing nothing: A 2.0% advisory fee on $100,000 is $2,000/year. Basic Investor Pro is CA$134.99/year. Keep your compounding working for you.
Monthly billing Annual billing Save ~20%
Free

Essential financial literacy and baseline decision tools.

$0
Free forever
  • Master 6 foundational Canadian & U.S. literacy modules
  • Benchmark fee drag, rent vs. buy, and Norbert's Gambit math
  • Identify hidden wealth leaks with the 10-Minute Financial Health Diagnostic
  • Calculate asset allocation targets without storing bank credentials
  • Save module progress and tool states locally on your device
Create Free Account
Most Popular Pro

The complete financial curriculum and interactive decision toolkit.

CA$13.99/mo
Billed monthly
  • See exactly where your next dollar should go across TFSA, RRSP, FHSA & 401(k)
  • Audit stocks & ETFs with the Stock & ETF Evaluation Lab (TCO Battlecard, Reverse DCF & Yield-Trap Forensics)
  • Eliminate advisory fee drag with 5 evidence-based ETF model portfolio blueprints
  • Rebalance allocations cleanly with the Illustrative Portfolio Balancing Engine
  • Map multi-decade retirement decumulation and OAS/CPP cash-flow milestones
  • Export formal Investment Policy Statement (IPS) charters for your records

Renews automatically at CA$13.99/mo until cancelled. Cancel anytime from your dashboard. 30-day money-back guarantee.

Premium

For power planners wanting advanced strategies, bespoke tools, and AI.

CA$27.99/mo
Billed monthly
  • Navigate complex high-earner tax playbooks (CCPC, Spousal Loans, Capital Gains & AMT)
  • Stress-test wealth against severe crashes with 1,000-run Monte Carlo simulations
  • Harvest capital losses and identify wash sales without CRA/IRS tax penalties
  • Get direct answers to complex scenario questions with Private AI Investing Tutor
  • Export formal 6-page Personal Investing Reports for your accountant or advisor

Renews automatically at CA$27.99/mo until cancelled. Cancel anytime from your dashboard. 30-day money-back guarantee.

🛡️ 30-day money-back guarantee — email us, no questions.
See full feature comparison ↓

Detailed Tier Comparison

Feature / Capability Free Pro (CA$12.99/mo) Premium (CA$26.99/mo)
Curriculum, Education & Credentials
Core Educational Modules 6 Modules ✓ All 36 Modules ✓ All 36 Modules
Applied Micro-Sandboxes & Scenario Quizzes Basic Quizzes ✓ All 36 Sandboxes ✓ All 36 Sandboxes
Basic Investor Certificate of Completion Digital Credential — ✓ Verified Badge ✓ Verified Badge
Ad-Free Experience & Banner Suppression — ✓ 100% Ad-Free ✓ 100% Ad-Free
Portfolio Tools & Decision Engines
Foundational Calculators (Norbert's Gambit, Fee Drag, Rent vs Buy) ✓ Included ✓ Unlimited Access ✓ Unlimited Access
"Enter Once, Populate Everywhere" Household Profile Sync & Payday Router ✓ Local Sync ✓ Cloud + 22-Tool Auto-Fill ✓ Cloud + 22-Tool Auto-Fill
Stock & ETF Evaluation Lab (TCO Battlecard, Reverse DCF & Yield-Trap Forensics) Workbench 01 & 02 ✓ All 4 Workbenches + IPS Ticket ✓ All 4 Workbenches + IPS Ticket
Portfolio Rebalancer & Illustrative Allocation Engine — ✓ Full Engine ✓ Full Engine
Dividend Snowball Forecaster & DRIP Milestones — ✓ Full Forecaster ✓ Full Forecaster
Curated ETF Model Portfolios Hub (5 Flagship Blueprints) — ✓ 5 Flagships ✓ 5 Flagships
Multi-Account Contribution Room Waterfall Optimizer — ✓ Full Optimizer ✓ Full Optimizer
Retirement Decumulation Timeline & OAS Clawback Engine — ✓ Included ✓ Included
Personal Investment Policy Statement (IPS) PDF Charter — ✓ PDF Export ✓ PDF Export
Adjusted Cost Base (ACB) Tracking Worksheets & Toolkits — ✓ Download & Print ✓ Download & Print
Advanced Wealth & Strategy Playbooks
Advanced Strategy Playbook Library — — ✓ All 15 Playbooks
Embedded Strategy Simulators & Decision Workbenches — — ✓ All 15 Simulators
Defined Benefit vs. Commuted Value Engine (Playbook 12) — — ✓ Full Access
Prescribed Rate Spousal Loan Arbitrage Engine (Playbook 13) — — ✓ Full Access
Cross-Border Snowbird Wealth & U.S. Estate Shield (Playbook 14) — — ✓ Full Access
Capital Gains 66.7% & Bill C-59 AMT Simulator (Playbook 15) — — ✓ Full Access
Smith Manoeuvre & CCPC Corporate Investing (Playbooks 01 & 05) — — ✓ Full Access
AI, Tax Alpha & Institutional Governance
Private AI Investing Education Tutor — — ✓ Unlimited Private Access
AI Portfolio Governance & Risk Audit — — ✓ Algorithmic Audit
Tax-Loss Harvesting & Superficial Loss Engine — — ✓ Full Engine
Tax Command Center (Asset Location Alpha) — — ✓ Full Workbench
Monte Carlo 1,000-Run Scenario Lab & Stress Testing — — ✓ Included
Personal Investing Report Print & PDF Export Engine — — ✓ Formal Audit Dossiers
Weekly Plain-English Market Context Digest — — ✓ Weekly Delivery

Clear Answers

Frequently Asked Questions

Can I cancel anytime?

Yes, absolutely. You can cancel your subscription with one click directly from your Basic Investor dashboard or via the Stripe Customer Portal. There are no cancellation fees, no long-term contracts, and no customer service calls required. You retain full access to all paid features through the end of your prepaid billing period.

What happens to my saved data if I cancel?

Your account seamlessly transitions to the Free tier. All of your locally saved diagnostic scores, calculators, and curriculum bookmarks remain safely stored on your device. You can re-subscribe anytime without losing your historical work.

Is Basic Investor financial advice?

No. Basic Investor is an educational and analytical decision software platform built for self-directed individuals. We do not manage client funds, sell investment products, or provide personalized fiduciary investment, legal, or tax advice. All output is illustrative and designed to help you make informed decisions on your own terms.

How do you make money?

We are 100% funded by subscription memberships and one-time report passes. We accept zero affiliate commissions, zero broker referral kickbacks, and zero advertising sponsorships. Our interests are completely aligned with giving you clean, conflict-free math.