EnvisionWorth
Multiple financial goals. One complete plan.

Plan every dream. See the way forward.

Every dream in one plan. See what it takes to fund them all, and stay on top of the path to every dream.

Free calculator · No account required · No bank connection needed

What is EnvisionWorth?

Every dollar with a purpose. Every dream with a plan.

EnvisionWorth is a goal-based financial planning platform. Add your accounts and your dreams, and see what they take together. Every time your accounts refresh, your values update and your plan recalculates, so you can see where the path to each dream stands and stay on top of what deserves attention.

Guided sample planIllustrative
Your planAll dreamsAuto-allocate
Your five dreams$1,290,000
Together they need about $2,490 a month to reach.
Retirement$1,000,000by 2056
Dream Home$150,000by 2033
Education$80,000by 2041
Wedding$45,000by 2028
Dream Vacation$15,000by 2027
Bring it together, with purpose$235K in one view
RRSPTFSASavingsBrokerageall in one clear view
TFSA · VEQTdiversified ETF · 100 units
6535
65 units → Retirement · 205635 units → Education · 2041
Savings · Cash → Wedding · 2028
Let EnvisionWorth find the best use of each asset, or assign it yourself. You review every allocation.
Months later · your plan recalculated
3 dreams still on track: Retirement, Education, Dream Vacation.
Dream HomeNeeds attention
Put your $9,000 of unassigned FHSA cash to work toward Dream Home.
It would need about $135/mo less.
You decide.
WeddingBehind · still building toward 2028
Each move shows its impact and trade-offs. You review every decision.
Track and control
$135/mo lesstoward Dream Home

See where every dream stands and what a change would do, so you stay on top of the path to each one.

Calculate my complete plan
Illustrative planning only. Nothing is bought, sold, or transferred. You review every recommendation.
Financial intelligence

EnvisionWorth does the thinking. You make the call.

See everything you own in one place. EnvisionWorth gives every asset a job toward the dream it fits, shows how the assets are working toward the dreams, and gives you clarity on where you’re heading: whether it’s enough, what it takes to stay on the path, and a better way to get there sooner when there is one.

Live sample planIllustrative
Your planYour assetsAll dreams
✦ Auto-allocate · recommended
Every account assigned to the goals it should fund.
TFTFSAsplit across 2 goals
SVSavingsfunding Wedding
RRRRSPno goal assigned yet
$218,000 assigned across your accounts · $17,000 still unassigned
Near goals get safer money. You review every move; nothing changes on its own.
Your planYour assetsAll dreams
✦ Today’s focus · across all dreams
Put your $8,000 of unassigned RRSP cash to work toward Retirement.
You’d need about $60/mo less toward it, freeing that up for another dream.
One move at a time, always the one that helps most, with its impact and trade-offs shown.
Nothing moves on its own. You review and confirm every decision.
Your planYour assetsAll dreams
Do these assets fit?Dream HomeGood fit
Checked every time your accounts refresh.
Risk fit
Its mix suits a 7-year horizon, steady holdings protect it as it nears.
Concentration
Well spread, no single holding carries too much of this goal.
Re-checked whenever your holdings or goals change.
Your planYour assetsAll dreams
What-If · Dream HomeAdd $200/mo
Current planreaches 2033
With $200/mo more2031 · 2 years earlier

Estimates on your own numbers and stated assumptions. Planning information, not investment advice.

Clarity, control, confidence

Everything you need to reach your dreams.

Beyond the intelligence, the basics done right: one clear view of everything you own, a purpose for every dollar, and your whole plan at a glance.

Clarity
One clear view

Every account and holding in one place, so you always know exactly where you stand.

Purpose
A job for every dollar

Assign each asset to the dreams it funds, so no money sits around without a purpose.

Control
Tweak the path

Adjust your plan any time and stay fully in control. Nothing moves without you.

Confidence
Every goal's status

See what is on track and what needs attention at a glance, across every dream.

Pricing

One plan. Every dream.

Everything EnvisionWorth does, in one plan: $9.99 CAD a month or $99.99 CAD a year after your 7-day free trial.

✦
The complete plan
Everything EnvisionWorth does
Founding member price
Everything included
  • Every dream priced and tracked in one plan
  • Recommendations that give each asset you own a job
  • See what a change would do and what it's worth, every time your accounts refresh
  • What-If testing and asset-fit checks on every dream
  • Read-only and sensitive data AES-256 encrypted. Nothing moves without you
$99.99CAD/year
About $8.33 a month, billed yearlySave $19.89 vs monthly
Locked while you stay subscribed.

7-day free trial. No payment information required. Cancel anytime.

Read-only and sensitive data AES-256 encrypted
Nothing is bought, sold, or moved without you

Every dream tracked and re-checked every time your accounts refresh.

Questions

Planning several dreams at once? Your questions, answered.

What happens when a house, a wedding and retirement all need money at the same time, and how to decide which one gives way.

EnvisionWorth is a goal-based financial planning platform for people in the United States and Canada (excluding Quebec). It turns all your dreams and the assets you already own into one plan, shows your Dream Number (the monthly amount they take together), gives each asset a job, and recalculates every time your accounts refresh so you stay on top of every dream. It recommends. Nothing moves until you decide. It is planning information, not investment advice.
That collision is exactly what EnvisionWorth is built to surface. Each goal gets its own monthly number based on its target amount and timeline, and the planner combines them into one Dream Number, the monthly amount they take together. When two goals overlap, say a house deposit and a wedding in the same year, you see the combined monthly cost before committing to either, plus what changes if you delay one, resize one, or stagger them.
Yes. Allocations are never locked. You can reassign an investment, or part of one, from one goal to another at any time, and every affected goal recalculates immediately. The goal you took from shows a longer timeline or a higher monthly contribution, and the one you fed shows the reverse. Nothing is bought or sold at your broker; you are changing what each holding is earmarked for.
Most people can't, and the planner says so plainly rather than quietly assuming you'll find the money. When your goals need more than your income supports, it routes you into an optimization step with three concrete options: give a goal more time, right-size a target, or keep everything as-is and see the real shortfall. You pick which trade-off you're willing to make.
You decide. The planner doesn't impose a priority order. What it does is price the consequence of each choice so the decision is informed rather than a guess. Delaying a long-horizon goal by two years costs very differently from delaying a short-horizon one, because compounding has a different runway to work with, and you see that difference in dollars before you choose.
Yes. The free planner runs entirely in your browser with no account, but it can only give you a projection: it prices each goal off the risk level you pick, so its monthly number assumes your investments return exactly that. Link your holdings and it becomes a live number, recalculated from what your investments actually return for each goal. That matters most when you are ahead. If your retirement holdings return 10% against a planned 7%, your required contribution falls and the freed-up room is genuinely free to redirect or spend.
Your sensitive financial data is AES-256 encrypted, and accounts connect read-only through Plaid, so EnvisionWorth can't move money. We never sell your data or share it for advertising. We share only what's needed with the providers that run EnvisionWorth, as our Privacy Policy explains.

“The point of planning your future is permission to enjoy your present.”

Founder, EnvisionWorth