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📈 Service 1: Portfolio
Purpose
Keep all your investments in one place. Whether you hold stocks (AAPL, MSFT), ETFs (VGRO, XEQT), or mix of accounts — see real-time prices, profit/loss, and transaction history. Perfect for DIY investors and anyone with multiple brokerages.
How to use
Go to Portfolio → Management Tools → Portfolios tab. Type a portfolio name (e.g. Watch list, RESP) and click Add.
Open Import/Export tab. Click Import CSV to Current, choose your broker CSV file and click Import. Also supports XLSX and Yahoo Finance sync.
Use the Groups tab to tag each position: Hold, Buy, Sell order, Increase, Reduce, Rebalance and more. Filter across all portfolios simultaneously.
The All Portfolios History section logs every transaction automatically. Search and filter the complete timeline across all accounts.
Capabilities
Real-time quotes (Yahoo Finance), P/L and P/L %, sort by any column, portfolio groups, tags (Hold/Buy/Sell), transaction history, export to CSV.
🧮 Service 2: Calculator
Purpose
Calculate capital gains and losses for your Canadian tax return (Schedule 3, Line 12700). Import broker statements (Questrade, IBKR, RBC, etc.), match buys to sells, fix missing or incorrect lots, and export a tax-ready summary. Saves hours vs. manual spreadsheets.
How to use
Open the Import/Export tab, choose your broker format (Questrade, Interactive Brokers, RBC, etc.) and upload your CSV. FamilyFunds automatically reads your full trade history.
The system auto-matches each sell to the correct buy lot using the ACB method. Review unmatched lots, adjust quantities, or add missing buy records for prior years.
Download a tax-ready capital gains summary for your accountant or CRA Schedule 3, Line 12700 — includes total proceeds, ACB, and net gains/losses by year.
Capabilities
Import CSV from major brokers, auto-matching of buys/sells, cost basis (ACB) calculation, tax lot tracking, capital gains report, corrections for prior years, export summary for your accountant or CRA.
🤖 Service 3: AI Analytics
Purpose
Get AI-powered insights tailored to your holdings. Discover undervalued ETFs, top dividend stocks, S&P 500 opportunities, and portfolio ideas. Chat with an assistant that knows your portfolio — ask 'Which stocks performed best?' or 'Good Canadian ETF for growth?'
How to use
What the AI Shows You
The full AI-powered analytics interface — chat with your portfolio, run one-click scans, compare stocks and get instant insights on any market condition.
AI highlights every holding in your portfolios that is down 3%+ from your purchase price — ranked by biggest discount. Green = strong add candidate right now.
Scans the entire S&P 500 for large-cap stocks at steepest discounts from 52-week highs. Ranked by discount with current price, 52W peak, market cap and P/E.
Side-by-side financial metrics for 2–4 stocks — historical and current revenue, margins, P/E, debt and more.
Bear / Base / Bull projections for any stock with revenue, margin, P/E and AI reasoning.
Scans all your holdings for positions 3%+ above their 52-week peak — ranked by profit potential. No sell signals? The AI surfaces your top 5 best-performing stocks by P/L % instead, so you always leave with actionable insight.
AI-curated model portfolios (Conservative, Balanced, Growth) built from discounted ETFs, dividend stocks and S&P 500 picks — with projected 1, 5 and 10-year historical ranges.
Capabilities
S&P 500 and ETF opportunity scans, dividend analysis, portfolio ideas (balanced models), buy recommendations vs. your cost basis, AI chat about your holdings, 2yr/5yr performance charts.
⭐ Premium⭐ Premium: Small-Business Tracker
Purpose
A complete financial suite for Canadian small businesses. Track income and expenses, log vehicle travel, manage depreciation, create invoices from timesheets, and send bills to clients. Export to XLSX for your accountant. Premium users get direct RCSLogic support tailored to their business.
How to use
Use the Period selector at the top to choose a month or Full Year view. All tabs update instantly to show data for that period.
Navigate between Expenses, Income, Travel, Timesheets, Invoices, Depreciation, Bank Transactions, and more. Each tab is filtered by the selected period automatically.
Click Export XLSX to download a formatted spreadsheet for your accountant. Use Import to bulk-upload or update existing records.
Open the Timesheets tab to log hours by client and project. Then go to Invoices → Create from Timesheet to generate a professional invoice with your company details and send it to the client.
Premium users can contact the RCSLogic team directly to configure the tracker for their industry, tax structure, or specific bookkeeping needs.
Capabilities
Income & expense tabs, timesheet tracking by client, invoice generation from timesheets, client billing, travel log (km + $), depreciation (CCA), cash flow, bank transactions, tax planner, import/export XLSX.
🏠 Service 5: Rental Property Tracker
Purpose
Track rental property income and expenses for CRA Form T776 (Statement of Real Estate Rentals). Record rent received, CRA-categorized expenses (insurance, mortgage interest, repairs, etc.), and vehicle travel — using either the kilometre rate or actual expense method per CRA rules.
How to use
In the Income tab record monthly rent (scheduled vs. received). In Expenses, select the CRA T776 category — line references are shown — and enter the amount including or excluding GST as applicable.
Log each business trip: date, destination, purpose, and kilometres driven. FamilyFunds calculates the CRA per-km rate deduction automatically, or switch to the actual expense method.
Export as an Excel file pre-formatted for T776. Import from XLSX to bulk-enter data. Use Backup to save a snapshot before year-end filing.
Capabilities
Income schedule (scheduled vs. received), expense categories (T776 line references), travel log (CRA km rate or actual $), import/export Excel template, backup history, summary by year.
Where does your money go?
💰 Service 6: Family Budget
Purpose
See where your money goes. Add bank accounts and credit cards, record or import transactions (CSV from your bank), and get a clear breakdown by category. Understand spending patterns, find leaks, and plan better. Works for individuals and families.
How to use
Go to the Accounts tab and click Add Account. Name each account — Chequing, Savings, Visa, Mastercard, etc. Add as many as your household uses.
In the Transactions tab add records manually or click Import CSV to upload your bank's export file. Assign each transaction a category — Food, Housing, Transport, Entertainment, etc.
Open the Summary tab for a breakdown by category. Sort by amount to instantly see where the most money is going each month.
Capabilities
Multiple accounts, transaction list with categories, CSV import, monthly summary by category, search and filter, backup & restore.
🏖️ Service 7: Planning
Purpose
Model how long your savings will last during a sabbatical, career break, or early retirement. Enter assets, expected income, passive income, and monthly expenses — then see worst, base, and best-case scenarios. Answer: 'How many months can I sustain without a paycheck?'
How to use
Enter your current liquid savings and assets, any expected part-time or freelance income during the break, and all passive income streams (dividends, rental, etc.).
List all monthly expenses — housing, food, transport, subscriptions, insurance. Add one-time planned expenses (travel, courses) as needed.
See three runway scenarios — Worst (conservative income, higher spending), Base (average), Best (optimistic). Each shows how many months you can sustain without a full paycheck.
Capabilities
Assets and income inputs, expense breakdown, three scenarios (worst/base/best), months of runway, flexible start dates, notes for assumptions.
🎯 Service 8: Retirement Plan
Purpose
Plan your full Canadian retirement with official 2025 rates. Model CPP, OAS, GIS, RRSP, TFSA, LIRA — year by year to age 95. Compare scenarios (e.g., CPP at 65 vs. 70), spouse benefits, and see if income covers expenses. Override with your My Service Canada amounts for accuracy.
How to use
Enter your birth year, province, and estimated CPP contributions. If you have a My Service Canada account, use your actual CPP estimate for maximum accuracy.
Input your RRSP, TFSA, and LIRA balances with expected growth rates. Set the CPP and OAS start ages — compare taking CPP at 65 vs. deferring to 70 (42% higher monthly benefit).
Add other income sources — employer pension, part-time work, rental — and enter projected monthly expenses in retirement (housing, food, health, travel, etc.).
View a year-by-year projection to age 95. Switch between three scenarios and see whether income covers expenses at every age. Identify the year the gap appears.
Capabilities
Profile (birth year, province, CPP inputs), Gov't Benefits (CPP/OAS/GIS estimates or overrides), RRSP/TFSA/LIRA accounts, other income, expenses, year-by-year projection, three scenarios, household totals.
CRA-style annual tracking
💼 Service 9: Self Employed Tracker
Purpose
Track income, expenses, home office, and capital assets for your sole proprietorship. Annual view with fixed CRA-style categories. Matches the Self_employed.xlsx spreadsheet — enter income, 17 general expense categories, home office area and 10 home office expenses, and up to 4 capital assets per year.
How to use
In the Profile tab enter your business name, address, and GST/HST registration number if applicable.
Enter your total annual revenue in the Income tab. All amounts should include GST/HST as received.
Fill in the 17 CRA expense categories — advertising, professional fees, insurance, office, supplies, travel, and more. Only include business-use amounts.
In Home Office enter your office area vs. total home area (e.g. 12m² / 100m² = 12%). Add home costs — heat, electricity, rent, etc. In Capital Assets record major purchases. The Summary tab shows net business income with all allocations.
Capabilities
Year selector, single income field, 17 general business expense categories, home office area (sq ft) + 10 home office expense categories, 4 capital asset slots (name + amount), net summary with allocated home office.
Payment + affordability
🏠 Service 10: Family Mortgage
Purpose
Calculate your mortgage payment (Canadian semi-annual compounding) or see what you can afford. GDS/TDS based affordability — max payment from income, debts, property tax, heat. Risk-free rules: 30% of gross income recommended, 25% conservative.
How to use
In the Payment tab enter principal, annual rate, and amortization. Choose monthly, bi-weekly, or accelerated bi-weekly frequency. Optionally enter home price + down payment % to auto-calculate the CMHC-adjusted principal (for down payments under 20%).
Open the Affordability tab — enter gross household income, monthly debts, property tax, and heat. See your GDS/TDS limits, the 30% of income recommended rule, and the resulting maximum principal.
The Strategy tab gives guidance on fixed vs. variable, prepayment options, and when to use a mortgage broker. Combines your affordability and payment results in one recommendation.
Capabilities
Monthly, bi-weekly, accelerated bi-weekly payments, CMHC for down <20%, max principal from GDS/TDS, 30%/25% income rules, home price 4×–4.5× rules of thumb, strategy guidance.
T1 2025 · CRA-aligned
📒 Service 11: Family Book-Keeping
Purpose
Sync all your incomes, gains, and losses into Family Book-Keeping from the other services the platform provides. CRA-aligned T1 preparation for tax year 2025 — complete your profile, enter income and deductions, and get a live federal tax estimate.
How to use
Fill in your Profile tab: SIN, province of residence, marital status, dependants, and principal residence details. Many deductions are calculated from these automatically.
In the Income tab enter T4 employment income, dividends, and other income. Use the Sync buttons to pull capital gains from Calculator, rental income from PropTrack, and business income from Business Tracker — no manual re-entry.
Enter RRSP contributions (within your deduction limit), eligible medical expenses, charitable donations, and other CRA deductions to reduce your taxable income.
Open the Tax Summary for a live federal estimate. Then use the CPA Portal tab to generate a secure share link and send your full file to your accountant — no PDFs, no email attachments.
Capabilities
CRA T1 workflow, live federal tax estimate, capital gains sync (Calculator), rental sync (PropTrack), business sync (Business Tracker), CPA portal with secure link sharing.
100 guided questions — AI explains each step
📝 Constructeur de testament IA
Purpose
Aidez votre famille à éviter des honoraires de 3 000 $ à 5 000 $ pour un premier brouillon. Répondez à 100 questions ciblées sur votre succession, vos bénéficiaires, vos tuteurs et vos volontés — l'IA génère un testament complet adapté à vos réponses. Faites toujours vérifier le document par un spécialiste avant signature.
How to use
Entrez votre nom légal complet, votre province, votre état civil, vos enfants et personnes à charge. L'IA personnalise toutes les questions suivantes — les questions sur les tuteurs et les fiducies n'apparaissent que si vous avez des enfants mineurs.
Choisissez votre liquidateur et vos bénéficiaires principaux. Précisez des bénéficiaires substituts si un bénéficiaire principal décède avant vous. Ajoutez des legs particuliers pour des biens comme des propriétés, véhicules ou objets sentimentaux.
Répondez aux questions sur la distribution du résidu, le règlement des dettes, les dons de bienfaisance et les actifs numériques. Chaque question comprend une explication de l'IA sur les implications juridiques et les choix habituels des familles canadiennes.
L'IA génère un testament complet à partir de vos réponses. Lisez-le attentivement, puis utilisez le bouton Spécialiste juridique pour vous connecter avec un avocat ou notaire agréé pour révision, signature et attestation.
Capabilities
Couvre le liquidateur et le liquidateur substitut, les bénéficiaires principaux et subsidiaires, les legs particuliers, la distribution du résidu, les tuteurs pour enfants mineurs avec dispositions fiduciaires, les instructions pour les dettes, les actifs numériques, les dons de bienfaisance et les volontés funéraires. Génère un testament canadien en langage clair prêt pour révision juridique.
Identify gaps before they become expensive
🛡️ Planification des assurances
Purpose
La plupart des familles canadiennes sont soit sous-assurées dans certains domaines, soit surpayent pour des couvertures redondantes. La planification des assurances cartographie ce que vous avez par rapport à ce dont vous avez besoin — et montre exactement les lacunes avant qu'elles deviennent coûteuses.
How to use
Ajoutez vos couvertures actuelles : assurance vie (temporaire ou permanente), invalidité, maladies graves, habitation et auto. Incluez les limites de police, les primes et les bénéficiaires. Importez depuis des documents ou saisissez manuellement.
Entrez le revenu du ménage, le nombre de personnes à charge, le solde hypothécaire et les obligations commerciales. L'outil calcule la couverture nécessaire pour le remplacement de revenu et la protection des dettes.
Consultez une ventilation visuelle par type de police — vert signifie adéquat, jaune/rouge signifie une lacune. L'analyse compare votre couverture actuelle avec vos besoins calculés et signale les lacunes prioritaires.
Utilisez le bouton Spécialiste pour vous connecter avec un conseiller en assurance agréé pour votre lacune spécifique, ou consultez les conseils d'optimisation de l'IA pour réduire les primes sans réduire la couverture.
Capabilities
Couvre l'assurance vie (temporaire et permanente), le revenu d'invalidité, les maladies graves, l'habitation, l'auto et les assurances d'entreprise. Calcule les besoins en remplacement de revenu, couverture des dettes et soins aux personnes à charge. Suit toutes les polices avec dates de renouvellement et totaux de primes. Connecte avec 4 types de spécialistes : auto, habitation, entreprise et assurance vie.
Your entire financial picture — one screen
🏠 Tableau de bord analytique familial
Purpose
Lorsque vos finances sont réparties entre portefeuilles, comptes bancaires, propriétés et comptes de retraite, il est difficile de voir l'ensemble du tableau en une fois. L'analytique familiale regroupe tout — valeur nette, flux de trésorerie mensuel, date de retraite et alertes intelligentes — dans un tableau de bord mis à jour chaque fois que vous utilisez un service FamilyFunds.
How to use
L'analytique familiale lit automatiquement depuis votre suivi de portefeuille, Budget et Dépenses, Planificateur de retraite, Planification financière et Suivi des propriétés. Aucune saisie manuelle requise — maintenez ces services à jour et le tableau de bord reflète les derniers chiffres instantanément.
Consultez le total des actifs moins les passifs répartis en : actifs investissables, comptes de retraite (REER/CELI/FERR), valeur nette immobilière et liquidités. Le graphique de tendance montre les évolutions mensuelles pour voir si vous construisez votre patrimoine.
La section Tendance des flux de trésorerie affiche les moyennes mobiles sur 3 et 6 mois pour les revenus et dépenses importées depuis votre suivi budgétaire. Les mois aberrants sont automatiquement détectés et exclus des moyennes pour ne pas fausser le tableau — mais affichés à titre de référence.
Les alertes intelligentes analysent toutes vos données et identifient les lacunes les plus importantes : couverture du fonds d'urgence, objectifs de cotisations REEE, taux d'épargne, concentration du portefeuille et suffisance du revenu de retraite. Chaque alerte mène directement au service où vous pouvez agir.
Capabilities
Suivi de la valeur nette (actifs, passifs, capitaux propres), tendances des flux de trésorerie avec moyennes mobiles sur 3/6 mois et exclusion des valeurs aberrantes, projection de l'horizon de retraite, score de santé financière familiale (0–100), système d'alertes intelligentes et compte à rebours vers l'indépendance financière. Lit les données en direct de tous les services FamilyFunds.
Example format:
📋 Import: CSV & XLSX
Not all formats supported. Adjust columns or re-export if needed.
| date | activity | symbol | quantity | price |
|---|---|---|---|---|
| 2025-01-15 | BUY | AAPL | 10 | 185.50 |
| 2025-02-03 | SELL | AAPL | 5 | 192.00 |
| 2025-02-10 | BUY | VGRO | 20 | 32.45 |
Calculator: date, activity, symbol, quantity, price.
Portfolio: Symbol, Quantity, Date, Price.
Budget: Transaction Date, Description, CAD$.
Small Business: XLSX: Expenses, Income, Cash Flow, Travel. Export first, edit, re-import.
Rental: XLSX: Income, Expenses, Car Travel.
📐 What is Market Cap?
How big is a company? Market Cap = Share Price × Total Shares.
📊 P/E = Price ÷ Earnings
P/E 15 = you pay $15 for every $1 of profit. Lower P/E = cheaper (or troubled). Higher = growth expected.
💰 What Are Dividends?
Cash some companies pay shareholders from profits. Yield = annual dividends ÷ stock price. 4% = $4 per $100/year.
P/L = profit or loss
📉 P/L & P/L %
In the Portfolio table: P/L = dollars gained or lost. P/L % = same as % of what you paid. Green = up, red = down.
🎬 Quick Video: Investing 101
3-min explainer on stocks, ETFs, and basics. Watch when you have a moment!
Investing for beginners — Investopedia
🏦 CPP, OAS, RRSP, TFSA — Quick
CPP: Gov't pension from working years. Start 60–70; later = more. Learn more (CRA) →
OAS: For 65+ Canadians, 10+ years here. Learn more (CRA) →
RRSP: Tax break now, tax later when you withdraw. Learn more (CRA) →
TFSA: No break now, but growth & withdrawal tax-free. Super flexible! Learn more (CRA) →
Install FamilyFunds on Your Desktop
Premium members can download a native desktop app and run FamilyFunds entirely on their own computer. No internet required after setup. Your financial data never leaves your device.
What you get with the desktop app
Step-by-step: from platform to desktop
setup_config.json to your device
http://127.0.0.1:8765 and your data is imported automatically
Platform-specific notes
setup_config.json file contains your credentials and a data snapshot.
It is automatically deleted after first use — never share it.
You did it!
You're All Set! 🌟
Pick a service and try it. Learning by doing beats reading any day.
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