• 1:1 Coaching for Ambitious Canadians Who Want a calm financial life

stop guessing about your money.

start getting real results.

You’re smart, ambitious and tired of feeling behind financially despite doing “all the right things.”

We help Canadians improve their
relationship with money
and
build wealth through proven systems,
clear accountability and measurable outcomes.

book free consult

Why Choose 'calm money' ?

developed alongside psychotherapist

every part of ‘Calm Money’ was co-developed by a personal finance expert and a  licensed psychotherapist.
we go deeper than budgets and work on the real stuff.

our coaching is not meant to overwhelm you.
at calm money, we’ll meet as often as makes sense.

in addition to developing your ‘calm money’ mindset,
we will help you build real habits and track real numbers.

feel your stress evaporate, session by session.

as fixed fee financial coach, we don’t sell any financial instruments.
that means we don’t make money from pushing products.

we believe in providing education and support to
help the average canadian finally get ahead

this is a space where you can be honest no matter the situation.

we are here to guide you through your struggles.
without the fear of judgement.

no more translating american advice.
everything is tailored to our banks, benefits and investing tools.

stop the money stress spiral

take the first step towards clarity, confidence and calm.

book free consult

meet your coach

Pranav Chandra, CPA

I started my financial journey the way most people do.
I worked multiple jobs, trying to make rent and wondering if I was ever going to escape the rat race.

but from day one, I had a plan:
spend less than I earned, invest consistently and stay on course.

that simple strategy helped me hit some big milestones:
I became a CPA, got married, had a child, bought a home and steadily kept investing into a growing a portfolio that I once thought was impossible.

my 'calm money' philosophy

Most financial coaching focuses on spending less. 
My focus is on helping you live more, by establishing money systems that actually work for your life.

I combine behavior-based coaching with Canadian-specific financial guidance — all designed for people who are serious about change but overwhelmed by where to start.

Here is what you can expect when we work together:

  • everything in plain english, no financial jargon
  • no minimum amounts needed, start where you are
  • easy to understand, measurable milestones
  • going beyond budgeting, focus on wealth building
  • judgement free coaching, rooted in psychology
  • building plans for the real canadian experience

Our Services

Starter

$399 $299/month
  • Bank and CC reconciliation
  • Categorized and tax-ready financials
  • Monthly Financial Reporting
  • Add On: Discounted Year End Tax Rates

Essentials

$499 $399/month
  • Everything Essentials
  • Financial Dashboards
  • Quarterly Strategy Call
  • Tax Planning
  • Ongoing Email Support

Growth

$799 $699/month
  • Everything in Growth
  • Monthly Financial Reviews
  • Cashflow Planning
  • Budgeting & Forecasting
  • Financial Plan to Scale

Tailor Your Services

Clean-up & Setup

  • Initial bookkeeping setup.
  • Chart of Accounts creation.

  • Bookkeeping catch-up.

Monthly Bookkeeping

  • Stay organized and compliant.
  • Monthly bank & credit card reconciliation.
  • Categorized & Tax ready financials.
  • Monthly financial reports.

Planning & Analysis

  • Financial reviews & reporting insights
  • Cash flow & scenario planning
  • Business budgeting & forecasting
  • Quarterly strategy calls

CFO
Services

  • Ongoing CFO guidance & financial decision support.
  • Deep dive into financial reports & KPIs.
  • Strategic planning and scaling advice.

Tax Preparation

  • T1 and T2 returns filed accurately and on time.
  • Maximize deductions and credits.
  • CRA compliant with full support.

Tax
Planning

  • Compensation planning.
  • Optimized deductions.
  • Guidance on business expenses and structure.
  • Annual tax strategy session.

testimonials

arjun

business owner

I used to avoid looking at my personal finances because I was so focused on growing my business.

I was making the mistake of mixing business and personal expenses, then feeling guilty for not knowing where the money was coming and going.

Pranav helped me separate the two, set up a simple system and finally feel like I have direction in my financial life.

lisa

hr manager

I would always feel anxiety when I opened my banking app, afraid of whatever I was going to see. I was so used to having some credit card debt without any real plan or intentions to pay it off.

I was definitely hoping that by ignoring my financial world things would fix themselves.

Pranav was so patient with educating me on personal finance and helped me face my numbers without panic, and build a plan that doesn’t feel restrictive or overwhelming!

sanj

marketing manager

I kept hearing about TFSA, RRSP and ETFs, but I never actually understood how they worked. It felt like everyone knew about them and not knowing was so silly, so I just avoided them.

Pranav explained everything without making me feel like I should already know it.

Now I’ve got investments set up and I’m actually excited to see my net worth rise.

nicholas

consultant

I felt pretty confident in my general financial knowledge, but I wasn’t sure if I was making the right moves day to day.

Pranav gave me a no-nonsense crash course that helped me feel confident in my plan. Now I check in with him a few times a year as a coach and accountability partner.

Honestly, having pranav checking in, has ensured that i keep up with my savings & auto-investing schedule!

lokesh

engineer

I was earning well, but somehow always broke at the end of the month.
It felt like I was failing even though I was supposedly making good money!

Working with Pranav made me realize I wasn’t tracking anything properly. Now I’ve got a reasonable budget and savings plan. 

prathna

angel investor

I knew how to analyze companies and make big investment decisions, but my personal finances were chaotic. It was embarrassing, honestly.

Pranav treated it like no big deal. We created a personal dashboard, cleaned things up and now I have a monthly check-in process that keeps me on the right track.

ready to take control of
your financial life?

take the first step towards
clarity, confidence and calm.

book free consult