Video · Coming Soon · Budgeting
Budgeting 101: Build Your First Spending Plan
A short walkthrough of the 50/30/20 split and how to set up a monthly spending plan using the free template.
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Financial Education Articles & Resources
Every article, video, and template in one place, organized by topic. Pick a topic below or use the search bar to find exactly what you need.
Budgeting
Build a spending plan that actually fits your paycheque.
Article · 6 min read
How to Build a Budget That Actually Works
A simple framework for putting every paycheque to work, including the 50/30/20 rule and how to automate savings.
Read article →
Template · Google Sheets
Complete Financial Spending Plan
A free, all-in-one Google Sheet covering everything from your monthly budget to your long-term goals.
Get the free template →
Calculator · Home Buying
Mortgage Repayment Calculator & Comparison Tool
Compare two mortgages side by side: rate, amortization, payment frequency, and prepayments, with Canadian semi-annual compounding.
Use the calculator →
Calculator · Budgeting
Monthly Budget Builder
Enter your income and expenses to see your monthly surplus or shortfall, compare against benchmarks, and get smart insights.
Use the calculator →
Calculator · Net Worth
Net Worth Calculator
Add up what you own and what you owe, including your home and mortgage, to see your net worth and track it over time.
Use the calculator →Debt Management
Pay down what you owe with a plan, not panic.
Article · 7 min read
A Practical Plan for Paying Down Debt
How to prioritize what you owe, compare the avalanche and snowball methods, and avoid common traps.
Read article →
Template · Google Sheets
Complete Financial Spending Plan
A free, all-in-one Google Sheet covering everything from your monthly budget to your long-term goals.
Get the free template →
Calculator · Home Buying
Mortgage Repayment Calculator & Comparison Tool
Compare two mortgages side by side: rate, amortization, payment frequency, and prepayments, with Canadian semi-annual compounding.
Use the calculator →
Calculator · Credit
Credit Card Minimum Payment Calculator
See exactly how long it takes, and how much you really pay, when you only make the minimum payment on a credit card.
Use the calculator →
Calculator · Debt Strategy
Debt Avalanche vs. Snowball Calculator
Have multiple debts? Compare the two most popular repayment strategies side by side, with real numbers, not estimates.
Use the calculator →
Calculator · Student Loans
Canadian Student Loan Repayment Calculator
Model your repayment timeline with provincial rates, the grace period, and RAP eligibility, using the live Bank of Canada prime rate.
Use the calculator →
Video · Coming Soon · Debt Management
Debt Payoff Strategies: Avalanche vs. Snowball
How the two most popular debt payoff methods work, and how to choose the one you will stick with.
Credit
Understand your credit score and how to build it up.
Article · 6 min read
Credit Scores in Canada, Explained
What actually affects your credit score, how Canada's two bureaus work, and habits that build credit over time.
Read article →
Calculator · Credit
Credit Card Minimum Payment Calculator
See exactly how long it takes, and how much you really pay, when you only make the minimum payment on a credit card.
Use the calculator →
Video · Coming Soon · Credit
How Credit Scores Work in Canada
The five factors behind your credit score and the everyday habits that improve it.
Saving & Investing
How RRSPs, TFSAs, and compound growth work for you.
Article · 7 min read
Investing Basics: RRSPs, TFSAs, and Compound Growth
How RRSPs and TFSAs differ, why an employer match is worth capturing, and how compounding works in your favour.
Read article →
Template · Google Sheets
Complete Financial Spending Plan
A free, all-in-one Google Sheet covering everything from your monthly budget to your long-term goals.
Get the free template →
Calculator · Net Worth
Net Worth Calculator
Add up what you own and what you owe, including your home and mortgage, to see your net worth and track it over time.
Use the calculator →
Calculator · Saving
The Cost of Spending Today
See what a purchase today could be worth years from now if invested instead: an honest, no-judgment look at the trade-off.
Use the calculator →
Video · Coming Soon · Saving & Investing
RRSP vs. TFSA: Which Account First?
A side-by-side look at Canada's two most popular savings accounts and when each one makes sense.
Insurance & Protection
Know what each type of coverage actually protects.
Article · 6 min read
Insurance Basics: Health, Dental, Life, and Disability Coverage
A plain-English guide to extended health, dental, life, and disability coverage, and how to actually use it.
Read article →
Video · Coming Soon · Insurance & Protection
Insurance Basics in Five Minutes
What health, dental, life, and disability coverage actually protect, and how to make a claim.
Retirement Planning
Start planning for retirement, even decades away.
Article · 7 min read
Retirement Planning in Canada: Where to Start
Why starting early matters more than starting big, and how CPP, OAS, RRSPs, and TFSAs fit together.
Read article →
Calculator · Saving
The Cost of Spending Today
See what a purchase today could be worth years from now if invested instead: an honest, no-judgment look at the trade-off.
Use the calculator →
Video · Coming Soon · Retirement Planning
Retirement Planning: Your First Steps
How CPP, OAS, and personal savings fit together, and how to pick a starting contribution rate.
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