Plan your richest life.

Gilded app dashboard on mobile

Gilded is a future-focused financial planning app for a new generation of wealth builders.

Through accurate projections, easy data tracking, and seamless simulations, we empower you to take control of your money and be your own best advisor. You don’t have to guess your financial future. You can know.

Financial Projections

More than a retirement calculator, Gilded helps you make accurate projections across every area of your finances. You deserve to know what the future holds, whether there’s enough in your FHSA to buy a home five years from now or how much CPP you’ll receive in retirement. We run calculations that show you your projected income, income taxes, investment balances, and inflation-adjusted expenses, and more for every single year of your life.

Unbiased data

Gilded gives you clear data for confident decision-making. We effortlessly present numbers so you can get in and get out without feeling overwhelmed. You don’t have to agonize about how to factor in inflation or whether to choose the TFSA over RRSP. We do all the calculations for you, so you can see exactly what the numbers say. At Gilded we believe accurate calculations lead to optimal choices. This is the future of financial planning.

Detailed Simulations

Do you want to buy a home or take an around the world trip? Let us help you decide how to live your richest life right now, without compromising your future. Gilded's Financial Plans let you simulate different money decisions to see the impact on your net worth, today and tomorrow. Whether you plan to leave a legacy or Die With Zero, you can create a plan that reflects your financial dreams.

Made to Evolve

Life isn't linear. Your finances shouldn't be static.

Whether you're planning CoastFI or a fully-funded maternity leave, Gilded is ready. Our process transcends seasons so you can plan, visualize, and optimize your money at every stage of life. If you’ve been trying to figure it all out on your own with spreadsheets and calculators, leave it with us and get back to living. Life's too short only to want one thing — do it all and have it all with Gilded.

Where wealth
is the norm

We’re creating a reality where generational wealth & financial independence are the norm. We believe anyone can plan their way to financial freedom with the right tools. Gilded uses cutting-edge technology and timeless financial principles to help you become the millionaire next door.


THE 1% JUST GOT BIGGER

Grandmother and granddaughter laughing together while playing on the grass

Loved by planners everywhere

Here's what people are saying

Kirsten

AGE 35

…Gilded allowed me to play with different scenarios of how I could use and enjoy that money now, and it led to me buying a house in a neighbourhood that I had always dreamed of moving to… I was able to feel confident using my money to prioritize today's happiness, rather than my usual stockpiling and worrying about the future.

Jessica

AGE 40

I love being able to make changes to see how life events could impact my finances. I just had my second kid and tinkering with some of the retirement projections has given me the confidence to spend more money during my maternity leave to make this period of my life more enjoyable.

Be wealthy
by choice,
not chance.

Over 6k Users

6,036 registered users are using Gilded already, and you’re next. Sign up now to see your financial future.

3x Richer

People with a financial plan retire 3x richer than those without. Don’t hold yourself back from the rich life you deserve. Join Gilded and grow your wealth.

78% Happier

78% of people say having a financial plan improved their overall happiness. If you want to eliminate money stress, maximize financial security, and dream big, Gilded is here for you.

Start building your plan today.

We're on a mission to put wealth within reach for as many people as possible. That's why Gilded offers multiple ways to play, allowing you to build your riches on your terms. Get started by exploring our free & premium plans today.

Basic

For the money minimalist. Are you new to financial planning and want to keep things simple? Start here.

$0 forever
Start Free
  • Asset projections - 2 assets
  • Debt projections - 2 debts
  • Net worth tracking - 6 months
  • Financial plans - 1 plan
  • Retirement age - Fixed at 65
  • CPP calculation - Average estimate
Most Popular

Premium

For the millionaire in the making. Ready to plan your richest life down to the decimal? This is for you.

$197 / year
Start Premium Plan →
  • Asset projections - Unlimited
  • Debt projections - Unlimited
  • Net worth tracking - Full history & future
  • Financial plans - 8 unique plans
  • Retirement age - Any age
  • CPP calculation - Custom amount & age
  • Custom rates & amortization - Inflation, interest, payments & more
  • Joint/spousal planning
  • Cash flow priorities - Save, spend & debt repayment
  • Milestone markers - CoastFI, FIRE & more
  • RRSP over-contribution alert

How Gilded Works

We've stripped away the complexity of traditional financial planning. Three simple steps to total clarity.

Financial Projections Based on Historical Data & Custom Scenarios

We believe in leaving your money decisions up to calculations, not chance. Gilded helps you confidently plan your future based on personal data. You enter your Income, Expenses, Assets, and Debts, and we take care of the rest. You know what your present looks like, let us show you how rich your financial future can be.

Assets & Liabilities dashboard
Retirement Plan with line graph

Advanced Simulations for Real-Life Decisions

Because sometimes you need more than just a spreadsheet. We make visualizing your next steps approachable with practical simulations. With Financial Plans, you can control every variable from the rate of return on your investment portfolio to the rate of inflation. Financial Plans let you test out every “what if” so you (and your money) are ready for whatever life throws at you.

Retirement Planning Made Simple

Whether you're fast-tracking your way to retirement or taking the old-fashioned route, we'll show your numbers for CoastFI to FatFI so you don't have to stress. So many Canadians are worried they won’t have enough to retire. You don’t have to be one of them. Retirement isn’t complicated when you have a financial plan. Let Gilded help you build it.

Coast FI selection interface
Retirement Plan with line graph

Joint financial planning for couples

Tired of online calculators not letting you make a financial plan that includes your spouse? With Gilded you can track joint and individual assets, get estimates for each person’s CPP & OAS, and even account for different retirement dates. Your life partner is your financial partner. With Gilded you can make a plan together.