Methodology & mission

From debt to wealth.

NorthWorth is a bilingual Canadian financial platform: understand your complete picture, turn goals into plans, use AI grounded in your numbers and explore future partner-powered services through simulation.

Parameters last updated: 2026

Official Canadian sourcesInspectable formulasYour data stays yoursEnglish & French

Official Canadian sources•Inspectable formulas•Bilingual from day one•We do not sell your information.•From debt to wealth.•Made in Canada•Official Canadian sources•Inspectable formulas•Bilingual from day one•We do not sell your information.•From debt to wealth.•Made in Canada•Official Canadian sources•Inspectable formulas•Bilingual from day one•We do not sell your information.•From debt to wealth.•Made in Canada•

What NorthWorth is

Planning tools and education, not advice.
Deterministic, inspectable calculations.
One connected picture of your finances.
Goals, action guidance and AI grounded in the same numbers.

What NorthWorth is not

A bank or lender.
A broker or investment dealer.
The execution of transactions or placements.
Financial advice.

Connected planning journeys

100%

Deterministic calculations

100+

Automated tests on the formulas

FR / EN

Fully bilingual, always

Our mission

Most Canadians juggle disconnected spreadsheets and calculators. NorthWorth connects them: one financial profile powers the dashboard, Score, planning tools, Build Wealth and AI Coach. Clear calculations and practical next actions help people move from debt to wealth.

NorthWorth is built and powered by Ares International Group.

1Enter your numbers once — or explore with the example.
2Every tool and the AI Coach read the same connected data.
3Turn scenarios into a goal, a next action and a plan you can follow.

The NorthWorth dashboard: net worth, budget and projections

Methodology and sources

Every result on NorthWorth comes from a deterministic formula you can inspect — never from a black box. The rules baked into the calculators come from official Canadian sources:

CRA — TFSA, RRSP and FHSA contribution limits and rules.CMHC — mortgage default insurance premiums for high-ratio mortgages.

Canadian mortgage convention — semi-annual compounding, not in advance.

OSFI — the minimum qualifying rate (stress test) for uninsured mortgages.

Common lender benchmarks — 39% GDS and 44% TDS ratios.

Provincial land transfer taxes and first-time buyer rebates, estimated per province.

These parameters reflect the rules in effect as of the latest update (2026) and evolve — annual TFSA indexing, federal and provincial budgets, mortgage rules. Always verify official amounts with the CRA or a licensed professional before acting.

Deterministic calculations verified by an automated test suite, with bilingual FR/EN Excel workbooks for every template.

Security and privacy

We never ask for your banking credentials — you enter your own numbers.

Without an account, your figures stay in your browser's local storage only.

With an account, your records are protected so no other user can read or change them.

You can export or delete everything you've entered, at any time, from Settings.

We do not sell your information.

Read the full legal & privacy page

Contact

Questions, corrections or partnership inquiries: infos@aresinternationalgp.com

Made in Canada, for Canadians.We do not need your banking credentials. You enter your own numbers.

See your own numbers in action

Explore the demo with example data, or browse the bilingual Excel workbooks to go further.

Explore the demo Browse the templates