Money & Financial Health

1 The Wealth Formula — get out of debt for good

The 10 · 10 · 10 · 70 system. Inspired by Hans Johnson's book The True Wealth Formula, this is the simplest durable money system there is: split every dollar you earn four ways and never break the order. Give 10, grow 10, kill debt with 10, live on 70. Slow and steady — it works because you actually stick to it. Enter your numbers below.

Your income, split four ways

Monthly take-home income ($)

Total debt owed ($)

Avg. interest rate (%)

Give — 10%

Generosity first. Give to your community, your faith, a cause. It rewires how you see money: from scarcity to abundance. This is the habit that keeps you human as you build.

Grow — 10%

Pay your future self. Save and invest — a TFSA, an RRSP, index funds. Even small amounts compound. This becomes your passive income and your safety net.

Destroy debt — 10%

Attack your smallest-balance debt first (the snowball). Each one you kill frees up its payment to pile onto the next. Momentum is everything.

Live — 70%

Everything else — housing, food, life — fits in 70%. If it doesn't yet, the fix isn't the formula — it's raising your income (skills, side work) or cutting fixed costs. Hard work closes the gap.

2 Car: Buy vs. Lease

Which is cheaper over the term?

Vehicle price ($)

Term (years)

Loan/lease rate (%)

Down payment ($)

Lease residual (% of price)

Resale value if bought (% of price)

3 Home: Rent vs. Buy

Over how long you'll stay

Home price ($)

Down payment ($)

Mortgage rate (%)

Monthly rent for similar ($)

Years you'll stay

Home appreciation / yr (%)

4 Go deeper — full financial planning

These calculators get you started. When you're ready for the full picture — retirement projections, insurance, estate planning, and tax-smart drawdown — UltraPlan is our Canadian financial-planning platform that maps your whole life, not just this year. It's the natural next step after the Wealth Formula.

Open UltraPlan →