MYOFP
FLAGSHIPMake Your Own Financial Plan — a comprehensive planner for projecting long-term wealth growth and risk.
- Structured step-by-step planning
- Multi-scenario modeling
- Education built into every step
Financial Education & Technology
Financial Education. Practical Technology. Better Outcomes.
Ethicare Financial Services develops practical technology solutions and educational tools designed to help individuals, mortgage brokers and financial professionals make more informed decisions.
Quick Self-Assessment
5-Minute Financial Health Checkup
Select all statements that apply to see your real-time score and action plan.
1. Cash Flow & Budgeting
2. Net Worth & Global Assets
3. Debt & Liabilities
4. Goals & Retirement
5. Insurance & Protection
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How we work
Empowering Financial Clarity Through Smart Technology.
- Education
- Helping people understand financial concepts through practical tools and structured planning. Understand where you are today (Cash Flow, Net Worth and Insurance Position), define where you want to go (Goal Setting), and explore how to get there (Goal Planning, Asset Mapping and Shortfall Analysis).
- Technology
- Creating practical software solutions with advanced planning tools, secure online access, protected data storage, multi-currency capability and simple subscription management.
- Productivity
- Helping individuals and mortgage brokers work smarter through structured workflows, scenario modelling, product comparisons, application notes and planning tools that improve efficiency and support better outcomes.
Our mission is simple: make complex financial processes easier to understand, easier to manage and easier to action through intuitive software and structured guidance.
Whether you are planning your personal financial future through MYOFP or improving business efficiency with X-TOOLS, our solutions are built to simplify the journey.
About us
Empowering Simplicity, Enabling Success
Welcome to our world of practical innovation, where technology meets simplicity to create powerful solutions that make a real difference. At the heart of our company is a commitment to designing software that is both intuitive and effective. We believe that technology should make life easier, not more complicated—and that's the guiding principle behind everything we do.
Learn more about usOur products
Innovation In Action.
Proprietary tools designed to streamline financial planning for both advisors and clients.
X-TOOLS
UTILITYA suite of specialized calculators — SIP, EMI, retirement, tax and more — designed for rapid, real-world decisions.
- Fast, focused, mobile-friendly
- Transparent formulas & assumptions
- Built for real-world decisions
Our commitment
Our Promise
We exist to make powerful financial tools accessible to everyone—whether you’re a broker managing dozens of applications or an individual planning your own financial future. Our products are built on the principles of simplicity, reliability, and effectiveness. We continually improve and adapt to ensure our solutions stay ahead of the curve and serve you better every day.
Join us as we redefine the way you experience financial software. Discover the freedom and confidence that comes with tools designed around you. We offer simple subscription, and you can cancel any time. We are proud to offer a 30-Day Money Back Guarantee. If you are not satisfied within 30 days of subscribing, simply email us and we will promptly process your cancellation and refund.
Keep learning
Resources & Insights
Explore articles, guides and practical resources covering:
- Financial education
- Mortgage industry updates
- Productivity strategies
- Software features and tutorials
- Industry best practices
- Compliance and regulatory updates
Our goal is to provide practical knowledge that helps individuals and professionals make informed decisions.
Questions
Frequently asked questions
What does Ethicare Financial Services do?
We develop educational tools and practical software — MYOFP for personal financial planning and X-TOOLS for broker and business productivity — designed to make complex financial processes easier to understand, manage and action.
Do you provide financial advice?
No. We develop educational tools and technology solutions only. We do not provide personal financial advice, financial product advice or credit assistance. Please seek advice from appropriately licensed professionals where required.
Who are your products for?
Individuals planning their own financial future, as well as mortgage brokers, financial professionals and businesses looking to work smarter and more efficiently.
How does the subscription work?
We offer a simple subscription with no lock-in — you can cancel at any time directly from your account or by emailing us.
Is there a money back guarantee?
Yes. We offer a 30-Day Money Back Guarantee. If you are not satisfied within 30 days of subscribing, simply email us and we will promptly process your cancellation and refund.