How we model projections
How OWN works out its numbers.
OWN shows what your accounts and answers say. It doesn't predict the market, and it doesn't fill gaps with guesses.
Last updated October 14, 2026
- Your own records.Figures come from your linked accounts, your statements and your answers.
- No market forecasts.OWN doesn't assume future returns or inflation.
- Gaps stay gaps.If something is missing, OWN leaves the figure out instead of guessing.
- Estimates are labelled.When OWN estimates, it says so and says what it used.
Where the numbers come from
- Linked accounts: balances, transactions and investments, through Plaid. OWN updates when your accounts refresh, which happens when you link them and when you tap Refresh.
- Statements you upload: OWN reads the figures in them.
- Your answers: things only you know, like your income or what your home is worth.
Investment prices are the ones your institution or statement reports, as of the date shown next to them. They can be out of date until your accounts refresh.
What OWN works out
| Net worth | What you own minus what you owe, from your accounts and answers. Its history is one recorded total per day. Nothing is projected forward. |
| Cash flow | Money in and money out over the last 12 months. Transfers between your own accounts are left out. |
| Upcoming bills | A charge that came at least 8 of the last 12 months is listed as recurring. Its amount is the typical past charge, and its next date is based on past dates. |
| Budget | The plan is the one you set. Suggested amounts are the average of up to 3 recent full months. |
| Investment performance | Your recorded history only. Money you add or take out isn't counted as a gain or loss. |
| Financial Health | A score out of 100 from five areas, weighted: cash flow 25, emergency savings 25, debt 20, long-term saving 20 and protection 10. It's measured against OWN's guidelines, such as 3 to 9 months of emergency savings and saving 15% of income. 80 or more is "Strong", 60 to 79 "Could improve", and under 60 "Needs attention". |
| Income after tax | An estimate in Reports, from the income and province you gave us, using 2026 federal and provincial rates, CPP and EI. |
When something is missing
- If a figure needs information OWN doesn't have, OWN leaves it out and says why. For example, there's no net worth total for a mortgage without a home value.
- Financial Health shows no overall score until every needed answer is in. A missing answer is never counted as zero. Answers older than 90 days are flagged.
- A transaction with no currency on file is treated as Canadian dollars.
Currencies
OWN supports Canadian and US dollars, euros and pounds. It converts using the Bank of Canada's daily exchange rate.
- Balances and holdings use the latest published rate. If that rate is more than 7 days old, OWN doesn't convert.
- Cash flow and budget totals convert each transaction at its own day's rate, using the nearest earlier day on weekends and holidays.
- If you choose to see amounts in US dollars, today's balances are shown at one published rate. Past history isn't restated.
Atlas
Atlas answers from the same figures. When it compares ways to use savings and you haven't given a debt's interest rate, it uses typical rates, such as 19.99% for a credit card, and tells you it did.
Please keep in mind
These figures are for education and illustration. They can be incomplete or out of date, and estimates are not guarantees. OWN Financial is not a registered dealer, adviser, or portfolio manager. Confirm anything important with a qualified professional before you act.