Choose a Financial Journey
Explore how UpgradeOS Ledger helps different Canadians organize, understand, and improve their finances. Every persona is fully populated — real accounts, real transactions, real advice from your AI CFO.
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Toronto, ON
Sarah
27 · Marketing Coordinator
Renting a bright downtown one-bedroom, splitting time between the office and cafes. Loves brunches, weekend trips, and quietly building the runway to buy her first place.
Income
$68K
Net worth
$18K
Score
72
Primary goal
Save $30K down payment in 3 years
Vancouver, BC
Marcus
24 · Junior Auditor · CPA Candidate
Just started at a mid-size Vancouver accounting firm while grinding through the CPA PEP modules at night. Every dollar has a job — loan payoff, exam fees, or a modest apartment in Kits.
Income
$62K
Net worth
-$8.2K
Score
64
Primary goal
Pay off student loans in 4 years
Calgary, AB
Priya
34 · Owner · Butter & Salt Bakery
Runs a 6-person artisan bakery in Inglewood that netted $412K in revenue last year. Splits her brain between wholesale contracts, dough at 5am, and quietly planning the Bridgeland second location.
Income
$94K
Net worth
$62K
Score
78
Primary goal
Open second location in 18 months
Ottawa, ON
Rachel & Dan
38 · Teacher + Ops Manager · 2 kids
Rachel teaches Grade 4, Dan runs a distribution ops team. Two kids (9 and 6), a semi-detached in Alta Vista, and a shared spreadsheet they both quietly resent — until now.
Income
$172K
Net worth
$349K
Score
82
Primary goal
Renovate basement + fully fund RESP
Toronto, ON
Alexei
42 · Senior Director, Engineering
Base $245K, RSUs vesting quarterly, $180K/year in bonus + equity comp. Post-tax the math is simpler than it looks — the hard part is what to do with the surplus.
Income
$385K
Net worth
$1.2M
Score
91
Primary goal
Financial independence by 52
All personas are fictional. Data is illustrative and modeled on Canadian salaries, taxes, banks, and everyday merchants.