Who is Our Platform Designed For?

The founder has spent 18 months  researching  consumer behaviour, studying the best scholars on psychology, finance and with face-to-face interactions with potential subscribers to better understand what is really happening with consumers today.  Building wealth is hard for consumers, especially with low income earners and we think we have designed what consumers need and the way they want it, the foundation of a full desired outcome.

As A:  Young Millennial, Gen Z'er, Tradesperson, New Immigrant  or Pro Athlete.  (Really, anyone worried about how they are going to fund retirement)

I Need A:  A Non Predatory Money Management System and game that Engages all my senses and capabilities

So I Can:  Use Time to my advantage to Save, Plan & Track to Create Wealth for myself and my family and have fun doing it




The 12 Proprietary Stacks $ - The Entourage Effect


We borrowed this phrase from the cannabis industry as it perfectly describes the design, where the sum of its customizable, localized parts is greater than its whole.  Our 12 stacks are multiple step-by-step pure strategies built upon each other to plan, track and budget.  Mindful understanding of Net Income is key to savings. planning  and accumulating wealth.


Game Elements & Mechanics:  A coordination game with a quest to advance through the 7 levels and the 12 Planning stacks of the game and financially reward cash back or cryptocurrency for each level achieved.  

The 7 game levels:

  • Engages

  • Entertains

  • Educates

  • Informs

  • Delights our subscribers throughout their journey to plan and save.  


Offering incentives, accountability and fun when reaching planning and budgeting goals increases motivation to stick with a plan,  be diligent with tracking and design realistic monthly, weekly and daily budgets. 

Entertainment Elements:  Entertainment is one of the best ways to educate, engage our subscriber’s planning and keep a very dry subject such as money and planning, very interesting.  

Elements of the App:

  • Music

  • Videos

  • Animation

  • Entertaining Splash pages

  • Enhanced notifications (who says notifications have to be boring texts?)


Play.  Learn.  and Grow.

The 12 Stacks


All-in-One Financial Literacy

Our Education & Knowledge based Solution

  • Educational based App Subscriber Guide

  • Problem Based Learning (PBL) for our Congruity Members & Subscribers

    • Challenge question: Identify money management problems​ 

    • Critical thinking​ - Research

    • Communication & Collaboration Teams

    • Feedback

    • Solutions

  • Five Key  Habits of Saving & Goal Setting

    1. Time Preference​

    2. Self Supervision & Pre-Commitment

    3. Delayed Rewards

    4. Budgeting & Spending Plan

    5. Goal Setting & Values - Partitioning (dividing into smaller parts)

  • Consumer Behavioural Strategies through the study of heuristics and biases

  • Goal Contradiction & Awareness

  • 12 Stacks Explained

  • Self Determination Theory

  • Stages in our Lives

  • Financial Ladder

  • Partitioning – Use Small Goals

  • Saving Strategy

  • Short Rotating Topics upon Sign In

  • Fraud & Scam Tactics by Bluff Masters

  • Consumer Rights & Protection

  • Off the Bookshelf - Author Reference List 

All integrated together to create the ultimate planning and tracking tool to help plan for all financial scenarios with the goal of savings, home ownership, child’s education, asset protection, investments, future pension income, values and life style goals.


Real Time Financial Views

Our Scorecard & Self Audit Tools Solution

  • Congruity Real-Time Leverage Spending Ratio

  • CongruiTy Index - Are you consumer focused or Investment focused?

  • Real-Time Gross Debt Service & Total Debt Service Ratios  - For renting or home purchase

  • ​​Mortgage Affordability & Maximum Monthly Payments

  • Time Value of Money - The desert before the Vegetables.  What is possible when you use time to your advantage.

  • Own Your Home vs. Rent




In our research we realized all the necessary calculators to assist consumers to begin to customize and localize a plan for the future are scattered throughout the Internet and a person spend hours trying to find a calculator that applies to their situation.   On top of that they are not very customizable. 


Let's Put Them All in One Place

Budgeting Calculators

Budget exceeded or maintained



Daily, weekly, monthly budget totals



Projected spending if maintained at your current rate



Monthly surplus calculation after each subscriber’s planning pillar


Time-Value of Money

Future Value of a Sum if Invested Every Month Compounded Monthly

Future value of a sum if invested today

Present value of a future sum if invested today

Number of periods it takes to grow present value to future value

Interest rate to grow present value to future value


  • Reserve/Comfort Fund Planning

  • TFSA


  • Child Education & RESP Planning

  • Cost to raise a child in Canada

  • Vacation planning

  • Car purchase planning (20/10/4 Rule)

  • Student Loan planning (1-6 Years)

  • Debt Payoff Planning

  • Can I Afford to Move out on My Own?


  • Investing – Weighted average cost of capital return rate of your investments

  • Investment tracking - Return on Investment and Annualized Rate of Return

Home Purchase Planning

  • Down Payment for Home Purchase Planning

  • Mortgage Affordability, Maximum Mortgage & Maximum monthly payment

  • Canada’s Two Methods of Mortgage Stress Tests

  • Projected CMHC Mortgage Default Insurance

  • Own vs. Rent​

4 Pillars of Pension Planning

  • Pension Forecasting using the 4 pillars of Pension Planning

  • Pension Clock – Countdown to Retirement

  • Lifetime Earnings

  • Quick Pension Planning Calculator​

  • Projected Pension Value & Monthly Benefits upon Retirement

  • Savings for TFSA -  Contribution Planner

  • RSP Pension Plan - Contribution Planner

Tax Forecasting 

  • Projected federal income tax payable to plan for end of tax year and RSP contribution

  • Capital Gains Tax

Scorecard Self-Audit

  • CongruiTy Real Time Leverage Spending   Ratio

  • Real-time GDSR & TDSR (Gross income & Net income) 

  • CongruiTy Index - Are you consumer oriented or investment oriented?