Free Family Tool · 60 Seconds · Nothing Stored

What’s Your Family Protection Score?

Thirteen quick answers. One honest number. See exactly what happens to your family’s finances if your income stopped tomorrow — the gap, the runway, and what’s missing — then download your personal report.

Your Details

Gross employment or business income.
Enter 0 if single.
Enter each child’s age below — younger children need more years of support.
Mortgage, car loans, credit cards, lines of credit — everything.
Rent/mortgage, groceries and food, phone, internet, transport/fuel, childcare, entertainment, travel — your real monthly total.
Money the family could use within days: chequing, savings accounts, cashable GICs, cash sitting in a TFSA.
Equity funds (TFSA or non-registered) plus guaranteed investments like GICs and segregated funds. Do NOT include your home — see the note below.
Not your family home. Only rental or investment property equity, counted at 80% for selling costs. Your home is where your family lives — counting it as protection would mean they must sell it, which is exactly the outcome protection exists to prevent.
RRSP, pension value, DCPP.
Total death benefit across all policies, including group coverage at work.
Beyond basic EI.
Skip if single.

Your Results

Fill in your details and press See My Score. Nothing you enter is stored or sent anywhere — all calculations happen on your device.
Family Protection Score
—
If your income stopped tomorrow, your family would need about—
What they’d actually have (insurance + savings + investments)—
Protection gap—
Months your family could run on current savings—
For education only. This score is a simplified heuristic, not financial advice or an insurance recommendation. It assumes income replacement using age-based multiples, $15,000 final expenses and $50,000 education per child, counts 75% of retirement assets and 80% of investment-property equity as available, and deliberately EXCLUDES your family home — protection that requires selling the house your family lives in is not protection. No data you enter is stored, transmitted, or seen by anyone — the PDF is generated on your own device. Book a call for a proper analysis.

Know your score. Now build the buffer.

Get the free Emergency Fund Blueprint — how much you actually need in Canada, where to keep it, and the step-by-step plan to build it without disrupting your life.

Prefer to read it online first? Read the guide online, or book a call.

Estimates for education only, using 2026 CRA limits ($33,810 RRSP dollar limit) and 2026 federal + provincial tax rates. Not tax, investment, or financial advice. Your exact RRSP deduction limit is on your CRA Notice of Assessment or in CRA My Account. Quebec figures reflect the federal abatement. Consult a qualified professional before acting.