Your family finances, finally clear.
Fill in our simple template — or enter your numbers by hand. Get a complete financial plan in 5 minutes. Know exactly what to do this month.
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Built for Canadian families · RRSP, RESP, TFSA aware · English & Français
The real reason your credit line keeps growing
It's not the groceries. It's not the coffee. It's the $8,000 in predictable annual expenses that arrive with no account waiting for them.
Property taxes
Two installments, March and June. Every year. Still a surprise.
Car registration & insurance
Predictable. Annual. Straight onto the credit line.
Back to school
September hits the same way every year. $800 per kid, no plan.
Income tax balance
Quebec residents with Ontario employers owe provincial tax every April. Every year.
From spreadsheet to financial plan in 5 minutes
Upload your budget
Fill in our simple template — or enter your numbers by hand. Phare builds your complete financial picture from it.
Get your plan
Phare checks your numbers, asks only what's missing — real pay dates, who earns what — and gives you a clear plan you can trust.
Monthly review
On the 1st of each month, Phare tells you exactly what happened and what to do next. Like a letter from your financial advisor.
Everything your family needs. Nothing it doesn't.
Family member budgets
Individual spending limits within a shared household budget. Both spouses see the same dashboard. Alerts at 80% and 100%.
Sinking funds
Annual expenses provisioned monthly so they never hit the credit line again. Property taxes, car registration, back to school — all covered.
Goal tracking
Disney 2028. Brazil 2029. See exactly whether you're on track and by how much.
Monthly review
AI-generated, plain language, specific numbers. One clear recommendation. Delivered on the 1st of each month.
A financial advisor charges $250/hour
Phare costs less than a family dinner out.
Phare Lighthouse — Free
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Phare Lighthouse Pro
$150/year
Founding families: $15/month, locked forever — first 50 families.
One subscription covers both spouses.
Your family deserves a financial plan.
Not another spreadsheet. Not another app that tracks what you already spent. A plan that tells you what to do next.
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