Prospyr

About Prospyr

Prospyr is an independent Canadian personal finance platform built specifically for income investors — people who think in dividends, DRIP cycles, and coverage ratios, not just portfolio balances.

Why We Exist

Most financial calculators in Canada are built by banks. They're designed to look helpful, but their real job is to funnel you toward the bank's own products. The math is basic, the tools are siloed, and nothing connects to anything else.

On the other side, you have AI chatbots that can answer questions but can't remember your portfolio, track your progress over time, or alert you when something changes. Every conversation starts from scratch.

Prospyr fills the gap. Independent tools that understand how Canadian income investors actually think — with the depth to handle DRIP simulation, grant optimization, and portfolio conversion, and the vision to connect everything into one persistent dashboard.

What Makes Us Different

  • Independent. No bank owns us. Every calculator gives you unbiased numbers — not a sales pitch.
  • Built for income investors. DRIP buffer analysis, price creep detection, share growth simulation. Tools that understand how income investors actually think.
  • Canadian-first. TFSA, RRSP, RDSP, FHSA — every tool is built around Canadian accounts, tax brackets, and contribution rules.
  • Connecting everything. We're building toward a persistent profile where your data flows across every tool — enter it once, use it everywhere. Your portfolio, your coverage ratios, your income trajectory, all in one place.

Where We're Headed

Right now, Prospyr offers free standalone calculators — tools you can use immediately without signing up. This is just the beginning.

We're building toward a connected dashboard with proprietary frameworks like the Coverage Ratio System, Income Snowball Tracker, and an AI-powered decision engine that knows your portfolio and can tell you exactly what to do next. Not generic advice — specific actions based on your actual holdings.

The goal is simple: become the one place Canadian income investors open every day to track, plan, and grow their portfolio.

Start Exploring

All of our calculators are free and available right now. No sign-up required.

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