🌟 Free Online · Sovereign on Your Device

Your Complete
Financial Command Centre

Portfolio Hub, Business Hub, and Family Hub — with AI — free online for everyone who registers by December 31, 2026. Want full custody? FamilyFunds Sovereign runs on your own device: your storage, your analysis, and your data never leaves your device.

🚀 Register Free Online ⭐ See Sovereign 📹 Watch It Work
Real-time Finnhub data
Claude & Gemini AI
Canadian & US markets
RRSP · TFSA · RESP · Cash
3
Three hubs. One family OS.
Sovereign — $50/year promo
$50 /year — 58% off vs $10/mo
💻Downloadable app on your device
🔒Local storage — data never leaves your device
🤖All hubs + AI (same complete platform)
📱Master / companion device sync (optional)
🔒 List price $10/mo ($120/yr). Launch promo 58% off — $50/year for the downloadable Sovereign subscription.
Free
Online — register by end of 2026
2
AI Engines (Claude + Gemini)
How it fits together

Three hubs. One family OS.

Enter data once — portfolios, business, and family tools share one platform so net worth, cash flow, tax, and plans stay connected.

📈
Portfolio Hub
Holdings, AI analytics, investments calculator, Charts, Quote, Heatmap, Dividends, and ETF Providers — across RRSP, TFSA, RESP, and cash.
🏛
Business Hub
Corporation or self-employed tracker, invoices, timesheets, cash flow, and CRA-ready views.
🏠
Family Hub
Budget, bookkeeping & tax, rental, mortgage, sabbatical/retirement planning, insurance, will, and family analytics.
Online Free (register by Dec 31, 2026)

All hubs. Full AI. One free online account.

Anyone can register. Until the end of 2026, Online Free includes Portfolio, Business, and Family hubs with AI. Your data stays on FamilyFunds servers — never leaves our platform to third-party public exposure without Base Data Protection.

📈
Portfolio Tracker
Multi-portfolio. CSV/XLSX import. RESP, RRSP, TFSA, Cash accounts. Real-time prices every 10 min. Yahoo Finance sync with Premium.
📊
Charts
Multi-ticker compare with SMA50/150/200, RSI, and measure / trend / Fibonacci tools — open any holding or browse the market.
📄
Quote & details
Beginner-friendly tearsheet: valuation, sector story, analyst targets, and how the ticker sits in your accounts.
🎨
Market Heatmap
Colour maps for your portfolios and groups, plus full S&P 500, Nasdaq-100, Dow, small-cap, TSX 60, sectors, and global ETFs.
💰
Dividends
Income story for a ticker, peer compare, and screens: quality dividends, high-yield ETFs, Canadian payers, utilities.
🏢
ETF Providers
Rank issuers by size and fees, learn why top providers are usually safer for beginners, then open any issuer to browse its ETFs — with an AI-verified report that refreshes as the market changes.
🧮
Tax Calculator
Canadian capital gains (ACB method). RRSP/TFSA tax scenarios. Import from spreadsheet. Instant tax liability estimates.
💰
Budget & Expenses
Monthly expense categories, income tracking, savings rate calculation and trend charts across your whole household.
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Retirement Planner
CPP/OAS/RRSP/TFSA projections. Custom savings rate. Compound growth to target retirement date with scenario modelling.
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Property Tracker
Track real estate and vehicle values over time. Mortgage balance vs. equity. Net worth snapshot including all assets.
🏖
Financial Planning
Goals tracker, savings milestones, debt payoff calculator. Visualise your path to financial independence step by step.
📋
Transaction History
Full chronological log of every buy, sell, dividend across all portfolios and accounts. Filter and search in one click.
📄
CSV / XLSX Import
Bring in data from Questrade, Wealthsimple, Yahoo Finance or any broker export. Bulk multi-portfolio import supported.
🔨
Tag Every Position Mark holdings as Hold, Buy, Sell order, Increase, Reduce, De-risk, Rebalance, Rotate — and filter across all portfolios instantly.
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Yahoo Finance Sync One-click sync pulls your live Yahoo Finance portfolios directly — no manual entry required. Auto-discovers all matching portfolios.
🔑
Multi-Account View Watch list, RESP, RRSP, TFSA and Cash all visible together with cross-portfolio summary and combined recommendations.
Step by Step

Up and Running in Minutes

Three simple steps — then the platform does the heavy lifting.

1

Create Your First Portfolio

Go to Portfolio → Management Tools, open the Portfolios tab and name your first portfolio (Watch list, RESP, RRSP, etc.). Click Add — it appears instantly.

  • Add as many portfolios as you need
  • Each tracks its own P&L and history
  • Group accounts any way you like
Create Your First Portfolio
Portfolio → Portfolios tab → Add portfolio name → Click Add
2

Import Your Holdings

Switch to the Import/Export tab. Choose a file and click Import to load your holdings from a CSV exported by your broker, or from Yahoo Finance.

  • Import CSV from any broker
  • Upload XLSX workbooks
  • Sync live from Yahoo Finance
  • Bulk-import multiple portfolios at once
Import Your Holdings
Import/Export tab → Choose CSV → Click Import
3

Tag, Filter & Track

Use the Groups tab to tag each position with your current intent — Hold, Buy, Sell order, Increase, Reduce and more. Filter across all portfolios simultaneously to see exactly which positions need action.

  • 11 action tags per position
  • Filter any tag across all portfolios
  • Cross-portfolio summary at the top
  • Real-time price refresh every 10 min
Tag, Filter & Track
Groups tab — tag every position, filter instantly across all portfolios
4

Full Transaction History

Every buy, sell and import is logged automatically. Search, filter or export the complete history across all your portfolios and accounts — with purchase price vs. current price always visible.

  • Searchable full transaction log
  • Shows purchase price vs. current price
  • All accounts combined in one view
Full Transaction History
All Portfolios History — every transaction, filterable by any text
Platform Services

Every Financial Dimension, Covered

FamilyFunds goes far beyond portfolio tracking. Here is every specialized module included in your account — each built around how real families manage real money.

🏠

Rental Property Tracker

Track every dollar your rental generates and every deductible expense — organized exactly the way CRA expects it at tax time. No more spreadsheets, no more guessing.

  • Log rental income with payment schedule and received status
  • Categorize business expenses by CRA line number (e.g. Line 8960 — Maintenance & Repairs)
  • Track car and travel mileage for deductible trips (KM + cost by year)
  • Net Income = Income − Expenses − Travel, computed automatically
  • Year filter to isolate any tax period (2025, 2026, All Years)
Rental Property Tracker
Rental Property Tracker — income $14,250 · expenses $4,332 · net income $9,918
🏵

Canadian Retirement Planner — CPP · OAS · GIS · RRSP · TFSA

Model your full government benefit picture before you retire. Compare CPP and OAS start-age scenarios side by side and see the exact dollar impact of claiming early or deferring.

  • CPP estimate from your contribution years and avg earnings — compare start ages 60 to 70
  • OAS with automatic deferral bonus (+0.6%/month past 65, up to +36% at age 70)
  • GIS estimate based on your projected net income
  • RRSP, TFSA and other account inputs with full projection timeline
  • Expenses and Other Income tabs for a complete retirement budget
Canadian Retirement Planner — CPP · OAS · GIS · RRSP · TFSA
Gov't Benefits tab — CPP $881.85/mo · OAS $636.71/mo · GIS $645.96/mo by start age
📄

Sabbatical & Pre-Retirement Runway Planner

Know exactly how long your savings last before you leave work — or after you retire. Enter assets, income, passive income and monthly expenses and get your runway instantly.

  • Total liquid assets across up to 4 accounts tracked in real time
  • Monthly income, passive income (dividends, interest, rental) and expense breakdown
  • Base-case portfolio balance chart — month by month for the first 24 months
  • Three simultaneous scenarios: Worst Case, Base Case, Best Case
  • Scenario tab to stress-test different spending multiples and return rates
Sabbatical & Pre-Retirement Runway Planner
Planning Overview — $650K assets · Runway: Indefinite · 3-scenario comparison
🧮

Capital Gains & P/L Calculator

Get a clear, tax-ready picture of your realized gains and losses, net of all trading fees and taxes — broken down by year and by currency.

  • Realized P/L and P/L % — all years or filtered by tax year
  • Auto-calculated trading commissions for CAD and USD trades (by rate per trade)
  • Taxes tracked separately in CAD and USD
  • Net Realized P/L after fees, and Net P/L after Fees & Taxes
  • CAD-converted totals for cross-currency portfolios
Capital Gains & P/L Calculator
Capital Gains summary — realized P/L, auto fees and net after taxes by year
🏛
⭐ Premium Feature

Small-Business Tracker

A complete accounting suite for sole proprietors and small businesses — including invoicing, client billing, and timesheet tracking. Premium users also receive dedicated support from the RCSLogic team tailored to their business needs.

  • Revenue (ex-GST), expenses, and net business income by period
  • Generate professional invoices directly from logged timesheets
  • Vehicle and travel reimbursement logging
  • CCA (capital cost allowance) depreciation schedules
  • Bank transaction import and full cash flow view
  • Built-in Tax Planner and Income Plan modules
  • Send bills to clients and track payment status
  • Premium users receive dedicated RCSLogic support for custom business needs
Small-Business Tracker
Small-Business Tracker — revenue $50K · expenses $10K · net income $40K · Mar 2026
📚
⭐ Premium Feature

Family Bookkeeping & Tax Prep

CRA-aligned family records and T1 income tax preparation. Import data directly from your portfolio, business tracker, and rental records — no double entry.

  • Live federal tax estimate as you enter income
  • Sync capital gains from Tax Calculator, rental income from PropTrack
  • RRSP contribution and deduction limits auto-calculated
  • CPA Portal — generate a secure link to share with your accountant
  • T1 2025: employment, dividends, self-employment, RRSP, medical, donations
Family Bookkeeping & Tax Prep — T1 2025 Employment Income (T4) $72,400.00 Capital Gains (synced from Calculator) $4,250.00 ✓ synced Business Income (synced from Business Tracker) $28,600.00 ✓ synced RRSP Contributions (deduction) −$15,000.00 Estimated Federal Tax $11,240 owing ✓ CPA Portal ready — share securely with your accountant Federal estimate only · Not a tax filing · Also: medical, donations, home office, T776 rental
Family Bookkeeping — T1 2025 income summary, live tax estimate & CPA Portal
📝
⭐ Premium Feature

AI Will Builder

A guided 100-question process to generate a complete, personalized Canadian Will — powered by AI. Your answers shape every clause. Review the result with a legal specialist.

  • Covers executor, beneficiaries, guardians for minor children
  • Specific bequests, residue distribution, and digital assets
  • AI explains each question and the legal implications of your choice
  • Generate a full Will document ready for legal review
  • Connect with a licensed legal specialist from within the platform
AI Will Builder — Question 42 of 100 42% Who should receive your estate if your primary beneficiary predeceases you? ● My children equally ○ A named alternative person ○ Charitable organization ○ Province intestacy rules 💡 AI: Most Canadian families select equal distribution among children, with a trust provision for minors under 18. Review with a legal specialist. Next →
AI Will Builder — guided 100-question process with AI explanations and legal specialist access
🛡
⭐ Premium Feature

Insurance Planning

Analyze your coverage across all policy types, identify gaps before they become expensive, and connect with licensed insurance specialists — life, disability, home, auto, and business.

  • Coverage gap analysis — life, disability, critical illness, home, auto
  • Compare your coverage against income replacement needs
  • Policy optimization recommendations from AI
  • Connect with car, home, business, and life insurance specialists
  • Track all policies in one place with renewal reminders
Insurance Coverage Analysis Life Insurance $250K of $800K needed ⚠ Coverage gap Disability Income Insurance No coverage detected ⚠ Income at risk Critical Illness Not configured ⚠ Review recommended Home Insurance ✓ Auto Insurance ✓ Fully covered 3 coverage gaps identified — connect with an insurance specialist to close them
Insurance Planning — coverage gap analysis across all policy types with specialist referral
🏠
⭐ Premium Feature

Family Analytics Dashboard

Your entire financial picture — one screen. Net worth, cash flow trends, retirement runway, and smart alerts that notice anomalies before you do.

  • Consolidated net worth across all accounts, portfolios, and properties
  • Cash flow trend — rolling 3 and 6-month averages with outlier detection
  • Retirement runway projection with date countdown
  • Smart alerts: emergency fund coverage, RESP targets, savings rate
  • Household financial health score with detailed breakdown
Family Analytics — Overview NET WORTH $1.24M +$18,400 this month CASH FLOW +$3,200 6mo avg: +$2,840 RETIREMENT RUNWAY 38 yrs On track ✓ SMART ALERTS ✓ Portfolio well-diversified (175 positions across 7 portfolios) ⚠ RESP contributions behind schedule — target: $2,500/year/child 💡 No dedicated emergency fund configured — TFSA provides 28+ months coverage CASH FLOW TREND — 6 months used, 1 outlier excluded Income avg $7,450 · Expenses avg $4,250 · Net monthly +$3,200 · Savings rate 43% Score: 86/100 · Strong · 5 categories · 2 alerts
Family Analytics — net worth, cash flow trends, retirement runway, and smart alerts in one view
Sovereign — $50/year promo

FamilyFunds Sovereign:
Your Device. Your Data. Your Rules.

Sovereign is the downloadable subscription that runs on your own computer or client device. Store and analyze locally — your data never leaves your device. List price $10/month ($120/year); launch promo 58% off — $50/year. Online Free (register by Dec 31, 2026) already includes all hubs with AI on FamilyFunds servers.

Portfolio Analytics with AI — live demo
You
Which of my holdings are down the most from my purchase price and should I be adding?
AI
Based on your portfolio, here are your top buy opportunities — positions down 3%+ from your cost basis:

TickerPortfolioDown from costConsider
BMNRWatch list−43.5%BUY?
MSTRWatch list−26.2%BUY?
NVOWatch list−16.5%BUY?
MSFTRESP−14.3%1st BUY?
Green = ≥3% below your purchase price. Blue = first-time opportunity in that account.
You
Give me a 5-year bear/base/bull scenario for PLTR
AI
PLTR 5-Year Scenario Analysis (2024 → 2029):

Scenario2029 PriceRevenueNet Margin
🔴 Bear$35$4.8B7%
🟠 Base$95$8.2B23%
🟢 Bull$220$15.5B31%
PLTR looks moderately attractive — AI/AML platform momentum is strong, but the 106 P/E ratio suggests much future growth is already priced in.
🧭
Wealth Compass™
Your market intelligence navigator. Combines the Market Mood Index, Family Resilience score, and Goal Urgency into one actionable dashboard. Get a concrete action plan — suggested cash allocation, buying intensity, and a 10-year chart comparing disciplined vs. emotional investing — so you always know what to do next, not just what is happening.
Wealth Compass™
📰
Financial News — Holdings in Focus
Every day, AI scans the top market headlines and maps them directly to your portfolio. See the 10 most critical stories filtered to the stocks and ETFs you actually own — so you never miss news that moves your money, and you skip everything that does not.
Financial News — Holdings in Focus
📊
S&P 500 Buy Opportunities
Scans the entire S&P 500 for large-cap stocks trading at the steepest discounts from their 52-week highs. Ranked by discount — PYPL −42%, ADBE −36%, QCOM −33%.
S&P 500 Buy Opportunities
🎯
Portfolio Buy Recommendations
One click — AI analyses every holding across all your portfolios and surfaces the ones most discounted from your own purchase price. Green = strong add opportunity right now.
Portfolio Buy Recommendations
📝
Portfolio Ideas — ETF + Dividends + S&P 500
AI-curated model portfolios built from discounted ETFs, dividend stocks and S&P 500 picks. Conservative, balanced and growth mixes — with projected 5, 10 and 20-year historical ranges.
Portfolio Ideas — ETF + Dividends + S&P 500
⚖
Compare Multiple Stocks
Side-by-side financial comparison across 2–4 stocks. Revenue, operating margin, net income, P/E, forward P/E, debt — historical and current, all in one table.
Compare Multiple Stocks
📈
Stocks Consolidation — Know Your True Exposure
Uncover hidden concentration risk across your direct holdings and ETFs. The AI cross-references every stock against the top-20 holdings of your ETFs, calculates combined exposure, flags High and Medium risk positions, and delivers concrete recommendations — so you always know your real diversification, not just what is written on the label.
Stocks Consolidation — Know Your True Exposure
⚡
Leveraged ETF Ideas — Bull & Bear Market Signals
Detects the current market regime (bull or bear) in real time using SPY's 200-day moving average and the VIX, then scores 37 leveraged and inverse ETFs on RSI(14), distance from the 50-day MA, and 5-day momentum of each underlying index. Bull market: top 20 long leveraged ETFs with the strongest entry timing. Bear market: top 10 inverse ETF ideas ranked by liquidity. Only ETFs above $100M AUM and 100K daily volume qualify — every result is tradeable and stable, never obscure or at closure risk.
Leveraged ETF Bull Ideas
Bull Market — top long leveraged ETFs by entry timing score
Leveraged ETF Bear Ideas
Bear Market — top inverse ETF ideas ranked by liquidity
5-Year Scenario Analysis — Bear / Base / Bull projections for any stock, with revenue, margin and P/E forecasts plus full AI reasoning
Premium AI 5-Year Scenario Analysis — Bear / Base / Bull projections for any stock, with revenue, margin and P/E forecasts plus full AI reasoning
Portfolio Sell Recommendations
🚨 Portfolio Sell Recommendations One click — AI scans all your holdings for positions trading 3%+ above their 52-week peak and ranks them by profit potential. No sell signals? See your top 5 best-performing stocks by P/L % instead.
⭐ Sovereign — $50/year promo

Everything in Sovereign — $50/year promo

Same complete platform as Online Free, plus local custody: downloadable app, local storage, and Base Data Protection so raw ledgers stay on your device.

🤖
AI Portfolio Analytics

Portfolio chat, buy recommendations, S&P 500 scanner, 5-year scenario analysis, ETF & dividend ideas — powered by Claude AI.

🏛
Small-Business Tracker

Track income, expenses, and cash flow. CRA-ready reports, GST/HST tracking, and business tax optimization tools.

📚
Family Bookkeeping & Tax

CRA-aligned family records, tax preparation, T1 support, and eliminate overpaid taxes with organized bookkeeping.

📝
AI Will Builder

100-question guided process to generate a complete, personalized Canadian Will — powered by AI. Review with a legal specialist.

🛡
Insurance Planning

Analyze coverage gaps, optimize existing policies, and connect with insurance specialists — life, car, business, and home.

🏠
Family Analytics Dashboard

Consolidated family financial overview, net worth tracking, cash flow trends, smart alerts, and retirement runway analysis.

🔒
Sovereign — runs on your own device

You choose a local data directory on your machine. Analysis runs locally. Your financial files never leave your device. Optional sync is only among your own Master and companion devices. Annual promo: $50/year (58% off $10/mo list). If you do not renew, your installed version continues working; renewal keeps you on the latest release.

Trust

Base Data Protection

Built-in protection for Online Free and Sovereign.

Online Free
Your data stays on FamilyFunds servers. It does not leave the FamilyFunds platform. Sensitive fields can be redacted before AI steps.
Sovereign
Your data never leaves your device. Local storage and local analysis. AI only sees sanitized, tokenized context when you use optional AI features.
How Base Protection works
Redacts identifiers such as SIN, account numbers, emails, and passwords; maps private names/accounts to local tokens; restores real names only on your side after AI responds.
🎉
9 Specialist Types Available Financial planner, Tax & accounting, Business CFO, Real-estate, Legal, Car insurance, Business insurance, Insurance advisor, Career & Retirement — request a specialist from inside the platform.
📱
Accessible on Any Device Full functionality on desktop, tablet and mobile. No app install. Works in any modern browser — open your portfolio from anywhere.
🔒
Sovereign — Data Never Leaves Your Device Sovereign subscribers get the downloadable app. Run it on your own computer with local storage. Your financial data never leaves your device. List $10/mo — promo $50/year (58% off). Renewal keeps updates; your installed version keeps working after expiry.
Simple Pricing

Free Online. Sovereign when you want full control.

Register free anytime. Full hubs + AI Online Free through Dec 31, 2026. Sovereign downloadable plan: $10/mo list — promo 58% off at $50/year. Pay by eTransfer.

Online Free

Browser access for everyone who registers by Dec 31, 2026 — all hubs with AI. Your data stays on FamilyFunds servers and does not leave the FamilyFunds platform. Base Data Protection applies on AI steps.

Sovereign — $50/yr promo

Downloadable app on your device. Local storage and analysis — your data never leaves your device. List $10/mo ($120/yr); launch promo 58% off = $50/year.

📈 Online Free
$0/Register by Dec 31, 2026
  • All hubs (Portfolio, Business, Family)
  • AI capabilities included
  • Anyone can register — no invite required
  • Data stays on FamilyFunds servers
  • Base Data Protection on AI steps
  • CSV / XLSX import & export
  • Canadian & US markets
Register Free Online
Promo — 58% off
⭐ Sovereign Annual
$50/yr
$10/mo ($120/yr)58% off
List $10/mo ($120/yr) → $50/yr promo
  • Downloadable app on your device
  • Local storage — data never leaves your device
  • Local analysis + Base Data Protection
  • All hubs + AI (same complete platform)
  • Master / companion device sync (optional)
  • Updates while subscribed
  • Installed version keeps working after expiry
  • Specialist Assistance program
  • 🔒 Pay once per year via eTransfer
Get Sovereign — $50/yr
🔒
Sovereign — runs on your own device

You choose a local data directory on your machine. Analysis runs locally. Your financial files never leave your device. Optional sync is only among your own Master and companion devices. Annual promo: $50/year (58% off $10/mo list). If you do not renew, your installed version continues working; renewal keeps you on the latest release.

Next steps

About Online Free vs Sovereign Installation guide Profile / activate Sovereign install walkthrough

Payment via eTransfer — no credit card required. Online Free: register by Dec 31, 2026 for full hubs + AI. Sovereign promo: $50/year instead of $10/month list ($120/year). Your installed Sovereign build keeps working if you pause renewal.

For Specialists

Specialist Assistance Program

We have a Specialist Assistance program connecting families with licensed professionals.

We are looking for licensed specialists for our cooperation and partnership program. Contact us for more details.

Contact Us for Details

🚀 Register Free Online

Anyone can register. Through Dec 31, 2026 you get all hubs with AI Online Free. Your data stays on FamilyFunds servers. Want Sovereign? Tell us — promo $50/year (58% off $10/mo).

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