When can I buy my home?
Cap sees your spending to build your plan. It can never move your money. You get a likely date, how much to set aside each month and ideas to get there sooner.
Cap plans what's next
Budget apps describe the past. Cap answers one question: how many months do you need, and how can you get there sooner?
A date, and its odds
“March 2028, 8 in 10 chance” instead of a promise. With an earliest date, a latest date and an explanation for every number.
What you have left each month
Worked out from your real spending, not a theoretical budget nobody follows.
Concrete ideas
“Spend $120 less a month on dining out and you gain 3 months.” Ideas with numbers, never guilt.
Canadian rules built in
Down payment, stress test, FHSA, HBP, welcome tax: up to date and verifiable.
Your plan in three steps
Link your main account
Cap sees your spending to build your plan. It can never move your money. Your main account is all you need to start. Your pay, rent and bills already go through it. Other accounts are optional.
Describe your goal
For a home, enter the price, the city and your target date. Cap adds the down payment, welcome tax and notary fees. Or any other goal, with its amount.
Follow your plan, month after month
Each month: a recap, your likely date and fresh ideas. Your plan adjusts on its own when life changes.
First home or next home
Just tell Cap whether this is your first home. It then applies the rules that apply to you, and only those.
Your first home
- FHSA and Home Buyers' Plan built into your plan, in a suggested order.
- First-time buyer benefits counted in what you can borrow.
- Dated steps all the way to the keys: pre-approval, offer, inspection, notary.
Your next home
- Bigger, elsewhere, or after you sell: Cap plans it the same way.
- Down payment, welcome tax, notary fees and stress test, worked out for your price.
- Money you've already saved, including from a sale, comes off the amount to reach.
- FHSA and Home Buyers' Plan, reserved for first-time buyers, are automatically left out.
Every goal, same precision
Buying a home is at the heart of Cap. But Cap also plans your other savings goals, with a likely date, a monthly amount and ideas.
A car
Know when you can pay cash, or build a solid down payment.
An emergency fund
A few months of expenses set aside, to face the unexpected calmly.
A custom goal
Travel, studies, a wedding, renovations, parental leave: you choose the name and the amount.
Several at once
Rank your goals by priority. Cap shares what you have left each month between them, and gives each one a date.
The app's math, no account
Every result shows the version of the rules used. We keep no personal data.
Minimum down payment
The minimum required for your price, and the insurance that comes with it.
CalculateLand transfer duties
The “welcome tax” by municipality, bracket by bracket.
CalculateFHSA
What your First Home Savings Account could grow to, within the limits.
CalculateBorrowing capacity
Your estimated maximum price, based on what lenders look at for your loan.
CalculateOne goal, your own accounts
Plan the purchase together without merging everything. Each partner decides, account by account, what the other can see.
- Invite your partner with a link; each of you connects your own accounts.
- For each account, you choose what the other sees: nothing, the balance, or the details.
- Each person's contribution to the goal, clearly and without judgment.
- You can stop sharing at any time, instantly.
Sees your spending. Never touches your money.
Public commitments you can check. The rules version is always shown.
Cap sees your spending to build your plan. It can never move your money.
Your data is only used for your plan. Never sold.
Data hosted in Canada
Our servers and databases are located in Canada.
Your money stays put
No payments, no transfers, no withdrawals: Cap can't do anything with your money.
No product sales
No loans, cards or investments to sell you. No commissions, ever.
No ads, no data resale
Your data is never sold, rented or used for targeting.
Subscription-only revenue
Our only revenue is your subscription. Our interests are aligned with yours.
Partners have no access
Partner professionals never get access to your data.
Get your purchase date
Cap is coming to iPhone and Android. Bilingual, hosted in Canada, funded only by subscriptions.
Your numbers will be waiting in the app.
They only travel in the link. This site doesn't keep them.
Open the Cap appFrequently asked questions
Is this financial advice?
No. Cap helps you plan. It never recommends an investment, fund or institution. For a pre-approval, talk to a professional.
It isn't my first purchase. Is Cap for me?
Yes. Tell Cap it isn't your first home. For your price, it works out the down payment, welcome tax, fees and what you can borrow. It deducts what you've already saved, including from a sale. The FHSA and Home Buyers' Plan, reserved for first-time buyers, are left out.
Can I plan something other than a home?
Yes. A car, an emergency fund, travel, school, renovations: each goal gets its likely date, monthly amount and ideas. You can follow several and rank them by priority.
Can I use Cap without linking an account?
Yes. Answer 5 questions and get a first, rough estimate. You can also add an account by hand with its balance. Link your main account whenever you're ready: the estimate becomes a reliable forecast. You'll never have to enter your spending one by one.
Why is one account enough?
Your main account is all you need to start. Your pay, rent, bills and card payments already go through it. Cap works out what you have left each month. For an unlinked card, Cap estimates the spending from its payment. The gap between the earliest and latest date then widens a little.
Can Cap move my money?
No. Cap sees your spending to build your plan. It can never move your money: no payments, no transfers, no withdrawals. It never sees your banking password.
Where is my data?
On servers in Canada. Plaid, the service that connects Cap to your bank, may process some data outside Québec. It's all explained on the transparency page.
Do the calculators work outside Québec?
Yes for the down payment, the FHSA and what you can borrow: the rules are the same across Canada. The welcome tax is calculated for Québec only, for now.
What happens to amounts entered in a calculator?
They're only used to calculate the result. No account, no cookies, and nothing is tied to your identity.