FINCOMMANDPRIVATE BETACAD
EDMONTON 53.55°N 113.49°WEST. 2026
FinCommand
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Appearance · Theatre of Command
→ [ 01 ] SITREP — Command your finances

BLUF — a private financial command centre for Canadians who take wealth seriously. Track every account, run every course of action, and keep eyes on the number that matters.

Free for 7 days · No card to start · then $14.99/mo · Cancel anytime
Net Worth +12.4%
AI Online
Real Estate
Stocks
Retirement
FINCOMMAND · OVERVIEW
Total Net Worth · CAD
$1,284,900+$18,420 ▲
TFSA Room
$41.3k
RRSP
$212.5k
Runway · FI
7.4 yrs
→ Module Index — 06 Systems · All Stations Mission Ready
01
→ BUDGET

See exactly where every dollar goes each month, and know what's truly free to spend after the essentials.

→Spending overview — every category, trend, and outlier at a glance
→Insightful graphs — month-over-month movement and spending power
→Set budget goals — targets per category, tracked automatically
BUDGET · NET SAVINGS · MAY 2026
Net Savings · CAD
$1,509
16.4% surplus ▲
Target
$8,000
Total Income
$9,212
Total Expenses
$7,703
Needs
$5,340
58% inc
Wants
$2,363
26% inc
02
→ NET WORTH

Every asset and liability in a single number — with the growth, gains, and long-run rate that tell you if you're winning.

→Single source of truth — every asset & liability in one number
→Insightful graphs — trajectory, gains, and CAGR years ahead
→Set net worth goals — milestones tracked against your trajectory
NET WORTH · SNAPSHOT
Current Net Worth · CAD
$1,287,340
+$418,265 (+48.1%)Since 2020
Assets
$1,624,780
12 accounts
Liabilities
$337,440
6 debts
YoY
+$168,420
+15.1%
CAGR
+12.4%
2020 / 2026
03
→ CREDIT CARDS

Every card, balance, and reward in one view — so you spend on the right card and keep utilization low.

→Rewards tracker — maximize points on every dollar you spend
→Payment calendar — never miss a due date again
→Utilization — keep it low and your credit score high
CREDIT · CARD DETAIL
Amex Aeroplan Reserve
American Express · $599/yr fee
Year-1 Value · CAD
$2,700
Ongoing $1,200/yr (yr 2+)
Amex Aeroplan Reserve
Annual Fee
$599
per year
Welcome Bonus
$1,500
85k pts
Annual Rewards
$1,200
on your spend
Travel 3×Restaurants 2×General 1.25×
04
→ STOCKS

Every holding across every account, unified — with the performance and projection tools a serious investor needs.

→One unified portfolio — every position across every account
→Insightful graphs — allocation, geography & value at a glance
→Benchmarked returns — time-weighted return vs the S&P 500, per lot
PORTFOLIO · POSITIONS
Market Value · CAD
$413,420+$5,510 today ▲
PLTR
Palantir Technologies
$213,000
+2.4%
SOFI
SoFi Technologies
$112,750
+1.1%
ZETA
Zeta Global Holdings
$87,670
−0.8%
3 of 12 positions+18.6% vs SPY +14.1%
05
→ RETIREMENT

Model the exact age you reach financial independence — and weigh retire-at-50 against retire-at-65 in seconds.

→FI timeline — your path to financial independence, dated
→Insightful graphs — projected income, drawdown & RRSP/RRIF logic
→Scenario compare — run every course of action side by side
RETIREMENT · NET FLOW
Net Monthly Flow · Today's $
Age 37 → 90 · Retires at 50
+$3,240/moavg surplus ▲
37 50 · RETIRE 65 · CPP/OAS 90
Lifetime Surplus
+$1.9M
Portfolio Runway
Age 95+
Avg Cushion
$38k/yr
06
→ REAL ESTATE

Every property and its equity, plus the deal analysis, leases, and in-house e-signature to run it all.

→Equity tracker — watch equity build as you pay down debt
→Insightful graphs — pro formas, BRRR, flipper & map analysis
→Lease + unlimited e-sign — generated and signed in-house
REAL ESTATE · PORTFOLIO
Total Portfolio Equity · CAD
$853,420$2,760 / mo
7 properties · $33,120 annual rental income · cash flow 6 of 7
Market Value
$2,584,600
Mortgage Debt
$1,731,180
Portfolio LTV
67%
Gross Rent / Yr
$167,880
Debt-Free Income
$109,120
Next Renewal
Aug 23, 2026
◆ One login replaces nine subscriptions

Everything in the command centre

One subscription, every module and every AI feature — no tiers to decode, no per-feature paywalls.

01Budget
✓Spending overview
✓Category breakdown
✓Monthly trends
✓Spending power
✓Set budget goals
02Net Worth
✓Assets & liabilities
✓Trajectory + CAGR
✓Live account sync
✓Snapshots over time
✓Set net worth goals
03Credit Cards
✓Rewards tracker
✓Payment calendar
✓Utilization
✓Points optimizer
05Retirement
✓FI timeline
✓RRSP / RRIF logic
✓Scenario compare
✓Smith Manoeuvre
Stocks
Two tools, one module
Sub 01Portfolio
✓Every holding unified
✓Live positions & lots
✓Dividend tracking
✓Allocation & geography
Sub 02Projections
✓TWR vs S&P 500
✓Growth projections
✓Rebalancing engine
✓Value & performance charts
Real Estate
Two tools, one module
Sub 01Portfolio
✓Property & equity tracker
✓Mortgage amortization
✓Lease generator
✓Unlimited e-signature
Sub 02Analysis
✓Pro formas + BRRR
✓Flipper analysis
✓Deal leaderboard
✓Map analysis
→ Plans — Beta Pricing

One command centre.
One subscription.

Every module and every AI feature — no tiers, no per-feature paywalls. Pay monthly, or yearly for two months free.

Standard pricing once beta ends
The Plan
Command Centre
$14.99/ mo
Billed monthly · cancel anytime
Full access to every module and AI feature — one login, one bill.
→ All six modules included
→ Every AI feature · no API keys
→ Cloud sync · privacy-first
→ Cancel anytime
→ First 20 lock this rate for life
+ Both Premium Modules
Included· beta
Free for beta members · lifetime
Free in beta
The two premium add-on modules, in one plan.
→ Stock Portfolio + Analyzer
→ Real Estate Portfolio + Analysis
→ Lease + unlimited e-sign
→ Benchmarked returns + deal analysis
Included in your plan ✓
+ Both Modules · Bundle
$399· one-time
Save $59 vs $458 separately
Stock Portfolio and Real Estate, bundled for life.
→ Everything in both modules
→ One-time · lifetime access
→ Best value on the add-ons

Every tool you'd pay for — in one login.

We matched FinCommand against the best-fit specialist for each module. To cover what one subscription does, a Canadian would juggle nine separate tools — most of them built for the US, none of them talking to each other.

01 / AI AdvisorAI Financial Advisorvs Monarch AI · ChatGPT
FinCommand
✓Talk to your finances, all data in one place
✓Custom guru playbooks coach you
✓Context pulled from every module
✓Canadian RRSP / RRIF / TFSA-aware advice
Included · no extra cost
What you'd otherwise buy
Monarch AI~$137/yr
—Only sees your budget, not your whole picture
—No custom coaching playbooks
—No Canadian registered-account awareness
ChatGPT~$329/yr
—No access to your financial data at all
—Generic advice — not Canadian-aware
02 / BudgetBudgeting & Cash Flowvs Monarch · YNAB
FinCommand
✓Set financial goals & track progress toward them
✓Auto-import bank and credit-card statements
✓Auto-generate income / expenses / savings
✓Printable reports + insights from your spending
Included · no extra cost
What you'd otherwise buy
Monarch~$137/yr
—CSV imports only, no live statement sync
—Reports are basic
YNAB~$149/yr
—CSV imports only, no live statement sync
—No printable reports; insights are basic
03 / CardsCredit Card Optimizervs MaxRewards · CardPointers
FinCommand
✓Best card from your actual spending — no estimating
✓Add any card to the registry to compare
✓Compare the top cards on the market, full detail on each
✓Works with Canadian cards
Included · no extra cost
What you'd otherwise buy
MaxRewards~$148/yr
—Offer-based suggestions, not your actual spending
—Can't add your own cards to compare
—US cards only
CardPointers~$99/yr
—Category estimates, not your actual spending
—US-first card database
04 / Net WorthNet Worth Trackervs Empower · Kubera
FinCommand
✓Comprehensive view of where you stand, tracked over time
✓Canadian accounts & CAD, native
✓Real-estate equity built in
✓RRSP / RRIF / TFSA aware
Included · no extra cost
What you'd otherwise buy
Empowerfree · US only
—US-only, no Canadian accounts or CAD
—No real-estate equity or RRSP/RRIF/TFSA awareness
Kubera~$343/yr
—Real-estate equity is tracking only, not built in
—No RRSP/RRIF/TFSA awareness
05 / StocksStock Portfoliovs Simply Wall St · Sharesight
FinCommand
✓Track individual positions, auto-synced
✓Premium detailed analysis & watchlists
✓Portfolio builder & rebalancing tool
✓Growth projections
Included · no extra cost
What you'd otherwise buy
Simply Wall St~$164/yr
—Manual position tracking, no auto-sync
—No portfolio builder, rebalancing, or projections
Sharesight~$148/yr
—No premium analysis; watchlists are basic
—No portfolio builder, rebalancing, or projections
06 / ProjectionsStock Research & Projectionsvs Morningstar · Seeking Alpha
FinCommand
✓AI-assisted research & reporting on a stock
✓Detailed charts & forward projection numbers
✓Downloadable financial reports
✓Synced to your own portfolio
Included · no extra cost
What you'd otherwise buy
Morningstar~$341/yr
—Analyst-driven, not AI-assisted on demand
—Not synced to your own portfolio
Seeking Alpha~$410/yr
—Ratings-based, not deep AI research
—Not synced to your own portfolio
07 / Real EstateReal Estate & Leasingvs Stessa · DocuSign
FinCommand
✓Bird's-eye view of the whole portfolio
✓Tenant management, applications & unlimited e-sign
✓Paydown accelerator + Smith Manoeuvre calculator
✓Buy-&-hold pro formas, flipper & BRRR calculators
✓Deal leaderboard + map analysis
Included · no extra cost
What you'd otherwise buy
Stessa~$190–460/yr
—No paydown accelerator or Smith Manoeuvre
—No flipper/BRRR calculators or deal analysis
—E-signatures metered separately
DocuSign~$180–490/yr
—Signing only — no portfolio or deal tools
—5 envelopes/mo on the personal tier
How our e-signatures compare to DocuSign & Dropbox Signthe nuance, for landlords

Most landlords draft the lease in one place, then pay a separate signing service just to collect a signature. FinCommand generates the province-aware lease and collects unlimited legally-binding e-signatures in one flow — with a full Sent → Viewed → Signed audit trail and a tamper-evident completion certificate, included in the module.

FinCommand Sign · in the Real Estate module
✓Unlimited leases, province-aware & generated for you
✓Full audit trail (Sent → Viewed → Signed)
✓Tamper-evident completion certificate
✓Signed lease flows into your finances — rent roll & equity
✓Built specifically for landlords
Included · one-time, bundled in the module
What you'd otherwise buy
DocuSign Personal~CA$180/yr
—Only 5 documents / month
—Upload your own lease — nothing generated
—Recurring forever; generic, not for landlords
DocuSign Standard~CA$490/yr
—Upload your own lease — nothing generated
—Doesn't flow into your finances
Dropbox Sign EssentialsCA$240/yr
—Upload your own lease — nothing generated
—Doesn't flow into your finances
Competitor pricing from publicly listed plans, June 2026. DocuSign Personal US$11/mo billed annually (5 envelopes/mo); DocuSign Standard US$30/user/mo (unlimited envelopes); Dropbox Sign Essentials CA$20/mo, CA$240 billed yearly (unlimited). USD converted at ~1.37. Subject to change.
08 / RetirementRetirement & Financial Independencevs Boldin · ProjectionLab
FinCommand
✓Measure your abundance, build multiple fully-custom plans
✓Syncs data from every other module automatically
✓FIRE & Monte Carlo simulations
✓Native RRSP / RRIF / TFSA modeling
Included · no extra cost
What you'd otherwise buy
Boldin~$197/yr
—Doesn't sync with budget, stocks or real estate
—US-first — no native RRSP/RRIF/TFSA modeling
ProjectionLab~$177/yr
—Doesn't sync with your other modules
—Canada-aware, but not native registered-account modeling
09 / CalculatorsCalculators, Synced to Your Datavs free web tools · undebt.it
FinCommand
✓Mortgage & compound-interest calculators
✓Debt payoff optimizer
✓Synced to your real data — no re-typing
✓Lives beside the rest of your finances
Included · no extra cost
What you'd otherwise buy
Free web toolsfree · scattered
—Scattered across different sites
—Nothing synced — re-enter everything
undebt.it~$14/yr
—No mortgage or compound-interest calculators
—Standalone — not part of your finances
◆ Only in FinCommand — the things none of them do
✓Custom guru playbooks — load your favourite advisors' transcripts and have them coach you
✓Native Canadian account logic — RRSP, RRIF, TFSA & FHSA room, not US framing
✓Smith Manoeuvre engine — the Canadian mortgage-to-investment strategy, modeled
✓Real estate deal suite — pro formas, BRRR, flipper, leaderboard & map analysis
✓Lease + unlimited e-sign — generated and signed in-house, no per-document metering
✓Every module syncs — budget, stocks & real estate feed your retirement plan automatically
✓Zero setup — no API keys — every AI feature works out of the box; nothing to configure or pay for separately
✓Privacy-first — your financial data is never sold or used for ads
✓One login replaces nine subscriptions — one bill, one source of truth
▲
To replicate FinCommand you'd stack nine single-purpose tools — ChatGPT + Monarch + CardPointers + Simply Wall St + Morningstar + Stessa + DocuSign + Boldin + undebt.it — running roughly $1,500–1,900 CAD/yr across nine separate logins, most built for the US. And you'd still be missing Canadian registered-account logic, the Smith Manoeuvre, guru-coached AI, and a single unified view. FinCommand does all of it for $149/yr in beta.
Competitor pricing from publicly listed plans, verified June 2026; USD converted to CAD at ~1.37 — subject to change. ChatGPT Plus US$20/mo · Monarch AI included in Core · DocuSign Personal US$11/mo (5 envelopes/mo) / Standard US$30/user/mo · Morningstar Investor US$249/yr · Seeking Alpha Premium ~US$299/yr. Empower (ex-Personal Capital) links US institutions only; ProjectionLab is Canada-aware but projection-only.
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FinCommand
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