# Portfolio — LumentAI AI Consulting Projects | Montreal

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Explore LumentAI's portfolio of 11 production-grade AI and software projects —
from FinTech retirement simulators to AI-powered accounting platforms, built for
the Canadian market from Montreal.

A sample of what we've designed and shipped — from quick prototypes to
production-grade platforms across FinTech, Real Estate, Accounting, and HR.

## Categories

| Category | Projects |
|---|---|
| All | 11 |
| FinTech | 7 |
| Real Estate | 2 |
| Accounting | 1 |
| HR & Payroll | 1 |

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## Projects

### 1. Planif-Retraite

*FinTech · SaaS*

A Canadian retirement planning platform that simulates financial scenarios across
RRSP, TFSA, non-registered accounts, and holding companies — with CPP/OAS
projections.

- **Stack / focus:** RRSP / TFSA · CPP / OAS · Withdrawal strategy · Disbursement simulation
- **Live:** <https://planif-retraite.calculfinance.ca/>

### 2. Smith Manoeuvre

*FinTech · Web Tool*

A bilingual simulator that converts non-deductible mortgage interest into a
tax-deductible investment loan — with live price integration and federal/Quebec
tax optimization.

- **Stack / focus:** HELOC re-borrowing · Finnhub API · Tax optimization · Accelerator
- **Live:** <https://smith.calculfinance.ca/>

### 3. Mapa — Smith Manoeuvre V2

*FinTech · Web Tool*

A redesigned Smith Manoeuvre simulator comparing long-term wealth with and without
the strategy — two simulator versions, break-even threshold, and waterfall view.

- **Stack / focus:** Break-even analysis · ACB table · ETF tracking · Net worth projection
- **Live:** <https://mapa.calculfinance.ca/>

### 4. Compare-Plex

*Real Estate · Web Tool*

A Quebec tool that compares the true cost of a house, duplex, or triplex side by
side — factoring in CMHC premiums, rental income offsets, and OSFI stress test
rules.

- **Stack / focus:** CMHC premiums · OSFI stress test · Rental offset · GDS ratio
- **Live:** <https://compare-plex.calculfinance.ca/>

### 5. Tenir

*Accounting · SaaS*

A bilingual accounting platform for Quebec holding companies — AI-powered OCR
receipts, bookkeeping, tax planning, and government form generation in one place.

- **Stack / focus:** AI OCR · GST / QST · Holding company · RL-1 / T4 forms
- **Live:** <https://tenir-app.vercel.app/>

### 6. Courbe de Laferrière

*FinTech · Tax Tool*

An interactive Quebec fiscal calculator visualizing extreme marginal tax rates for
low-income families — where benefit clawbacks push effective rates past 80–100%.

- **Stack / focus:** Marginal tax rates · Benefit clawbacks · QPP / EI · Quebec 2025
- **Live:** <https://courbe-de-laferriere.calculfinance.ca/>

### 7. Cotisations CELI-REER

*FinTech · Web Tool*

An interactive Quebec calculator for the optimal TFSA vs RRSP contribution split —
with carry-forward tracking and Quebec-specific federal/provincial rate
integration.

- **Stack / focus:** CELI vs REER · Carry-forward · Tax bracket analysis · Quebec rates
- **Live:** <https://celi-reer.calculfinance.ca/>

### 8. Landlord

*Real Estate · Marketplace*

A residential rental marketplace for Montreal and surrounding areas — browse
curated apartments, condos, and houses with filters for type, budget, and bedroom
count, plus direct contact with property managers.

- **Stack / focus:** Rental listings · Property filters · Lease management · Montreal market
- **Live:** <https://landlord-peach.vercel.app/>

### 9. PayQuébec

*HR & Payroll · SaaS*

A payroll platform for Quebec SMEs — automatic source deductions, RL-1/T4
generation, CRA/Revenu Québec remittance tracking, and an AI-powered DAS
assistant.

- **Stack / focus:** RRQ / RQAP · RL-1 / T4 · DAS remittance · AI assistant
- **Live:** <https://payroll-app-two-iota.vercel.app/>

### 10. fire — Financial Youth Retirement Engine

*FinTech · Web Tool*

A FIRE-style calculator built for young adults — model your savings rate,
investment growth, and discover exactly how early you can reach financial
independence.

- **Stack / focus:** FIRE strategy · Savings rate · Compound growth · Early retirement
- **Live:** <https://fire.calculfinance.ca/>

### 11. CalculFinance

*FinTech · Calculator Suite*

A free suite of French-language Quebec financial calculators — CELI, REER, income
tax, and retirement projections tuned to federal and Quebec tax rules for everyday
planning.

- **Stack / focus:** CELI / REER · Impôt QC / CA · Retraite · Free · FR-CA
- **Live:** <https://calculfinance.ca/>

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## Ready to build your next product?

Tell us about your project and we'll get back to you within one business day.

- **Email:** <info@lumentai.com>
- **Location:** Montreal, Quebec, Canada
- **Start a project:** <https://lumentai.com/#contact>

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