Free tools & CARVED Plus
Start with a meaningful picture of your household finances. CARVED Plus is your first-year financial navigation plan: how long savings last, what to do next and what changes along the way. Commercial membership is not yet available.
$0
No account required
Estimate your finances, build a settlement budget and organize your next steps. Your profile and checklist progress stay in this browser on this device.
Use free toolsYour first-year financial navigation plan
Coming soon
Not available for real purchase
Plan twelve months around setup costs, income timing and childcare. Compare changes, track actual spending and keep the next three actions in view. Try the local review; account saving is test-only.
Explore Plus featuresWhat’s available—and what’s next
Free tools stay free. “Local review” is a working draft on this device; account saving is test-only. Commercial Plus remains planned. Conditions, assumptions, limitations and official sources stay free.
Free tools
CARVED Plus
Initial household assessment
Available now
Basic budget, estimates and one starting scenario; no account
Available now
Same honest estimates and sources remain free
Benefit conditions & official information
Available now
Conditions, limitations, assumptions and official links
Local review
Guided questions for supported situations, with sources; no automatic eligibility decisions
General settlement steps & investment education
Available now
Roadmap, room tools and device-local profile/progress
Available now
No membership needed for essential information
Personal twelve-month forecast
Not included
Initial estimates remain available
Local review
Calendar months, up to two earners with their own start dates, delayed benefits, scheduled rent/childcare changes and funding gaps
Scenarios for job, rent & childcare changes
Available now
Basic scenario and existing estimate tools
Local review
Named separate plans; compare chosen changes
Monthly follow-up & shortfall alerts
Not included
No ongoing personal workflow
Local review
Actual versus planned; original baseline preserved; in-app only
Next three actions & document preparation
Available now
General steps and critical eligibility conditions
Local review
Profile-based actions, chosen dates, task dependencies; no uploads
Save personal plans to your account
Not included
No free online saving
Test only
Explicit save with verified test access; registration is not membership
Your first-year financial navigation plan
How long will your savings last? What changes when work starts or housing costs change? Build your plan, then follow what actually happens.
Local review · commercial Plus not launched
Review your first-year planDoes creating an account activate Plus?
No. Registration is not a subscription. An account lets you manage account data and test billing. Saved plans and deadlines require verified sandbox access, not simply signing in; that access is not commercial Plus.
Sign in — account data & test billingSeparate sandbox payment review
Test fees below are not live Plus prices. No real money is charged and no commercial subscription is activated.
Commercial Plus — coming soon. Test payment is available only at carvedcanada.ca and the approved CARVED preview. If unavailable there, contact hello@carvedcanada.ca. Real payments remain disabled.