Loonie Audit

Loonie Audit is a Canadian personal finance checkup that turns the numbers you already know into a clearer diagnosis and one practical next move.

Enter rough monthly income, housing, transportation, spending, debt, savings, and goals. Loonie Audit gives you a money health score, shows where cash is leaking, explains what is putting pressure on your month, and turns it into a focused action plan.

It is built for Canadian context: rent or mortgage costs, pay frequency, TFSA, RRSP, FHSA, debt payoff, savings goals, car affordability, and rent-vs-buy decisions.

Use it when you want to understand:

- whether your monthly cash flow is stable
- how much runway your emergency fund gives you
- which spending leaks matter most
- whether debt payments are crowding out goals
- how a 30-day action could improve your score
- what changed since your last check-in
- which calculator is actually relevant to your situation

Features:

- Guided audit: enter close estimates without connecting a bank account
- Money health score: see cash flow, debt pressure, emergency fund, spending control, savings readiness, and awareness in one number
- Today view: start with the current diagnosis, one recommended action, and a lightweight monthly check-in
- Diagnosis: review the score, top problems, monthly mission, and debt payoff path
- Canadian calculators: mortgage, investment growth, savings goals, rent vs buy, car affordability, Rule of 72, and FHSA
- Monthly check-ins: save snapshots, update only what changed, and see why the score moved
- Local by default: your audit is stored on your device
- No bank login, no account, no server

Loonie Audit is not financial advice. It provides educational tools and estimates based on information you enter. It does not replace legal, tax, investment, mortgage, credit, or financial planning advice from a qualified professional.

Audit once. See the diagnosis. Do one useful thing this month.