FlintBoard

FlintBoard vs a FIRE spreadsheet

A spreadsheet is enough when you calculate a number once and type the balances yourself. FlintBoard is for a Canadian household that drops in statements each month. Net worth, progress, and account room update from those rows.

When a spreadsheet is enough

  • You have a few accounts, and updating the cells takes a few minutes.
  • You want the formulas where you can see them, and you are fine keeping them up.
  • You check the plan a few times a year. You are not bringing in new statements every month.
  • A detail you care about lives in the sheet, and this board does not track that detail.

The monthly routine

You still download the CSV. Upload it, review what landed, and progress and account room follow the rows you keep.

1

Drop in the statement

Download a CSV from your Canadian bank or brokerage and upload it. No bank login, stored encrypted on our server.

2

Review what landed

Confirm categories, duplicates, and coverage before those numbers count. Coverage shows which months are in and which are still missing.

3

See progress and account room

Net worth, Lean, Traditional, and Coast , and and room follow the rows you kept.

Side by side

Statements

Spreadsheet
You paste or type each row.
US budgeting app
Usually starts with a bank login, then the transactions arrive.
FlintBoard
You upload a CSV you already downloaded. You review it before it counts. No bank login, stored encrypted on our server.

Net worth

Spreadsheet
A column you maintain for each account.
US budgeting app
Balances from connected US institutions.
FlintBoard
Accounts you add or import, including , , and balances, plus property and debts.

room

Spreadsheet
You keep lifetime room and this year's deposits in cells you maintain.
US budgeting app
No . A is a Canadian account.
FlintBoard
After you import, room left this year is the annual limit minus deposits FlintBoard finds in your accounts. That is not unused lifetime room from the CRA.

room

Spreadsheet
You type the room from your notice of assessment.
US budgeting app
No room.
FlintBoard
An estimate from take-home pay and the and group deposits it finds. Take-home pay is lower than gross salary, so the estimate can sit below the room on your notice of assessment.

Spreadsheet
You can track the balance and the contribution room yourself.
US budgeting app
No .
FlintBoard
You can add an and see its balance with your other registered accounts. FlintBoard does not calculate contribution room.

Lean, Traditional, and Coast

Spreadsheet
You build the formulas and you update the spending inputs.
US budgeting app
A spending budget. It does not show Lean, Traditional, and Coast from Canadian statements.
FlintBoard
Three paths from the household spending in the statements you imported. Partner and kids only change the spending comparison.

US tax wrappers

Spreadsheet
You can add a 401(k), Roth IRA, or HSA if you build those columns.
US budgeting app
Built around a 401(k), Roth IRA, or HSA.
FlintBoard
Canada only. No 401(k), Roth IRA, or HSA.

Limits

  • No bank login, stored encrypted on our server.
  • No 401(k), Roth IRA, or HSA.
  • An balance is included. contribution room is not calculated.
  • room is this year's annual limit minus deposits found in your accounts.
  • room is an estimate from take-home pay. Check it against your notice of assessment.
Try the demoSign in

The demo is a read-only fictional Canadian household. No bank login, stored encrypted on our server.