Budgeting
Build a budget that survives real life
The 50/30/20 rule adapted to Canadian realities: housing, childcare and irregular income. Learn where your money actually goes, then set limits you can keep.
6 min readOpen the budget tool
Guides & reports
Understand money, one guide at a time.
In-depth, plain-language guides on Canadian personal finance — each one linked to a free calculator so you can apply it to your own numbers.
Plain language•Open formulas•Canadian rules•Free forever•Bilingual•No jargon•Plain language•Open formulas•Canadian rules•Free forever•Bilingual•No jargon•Plain language•Open formulas•Canadian rules•Free forever•Bilingual•No jargon•
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The library
Every guide ends with the tool that does the math for you — no spreadsheet required.
Debt
Avalanche vs snowball: which payoff order wins
Two proven ways to clear debt, with the math behind each. See how much interest each order saves on your own balances.
7 min readOpen the debt planner
Saving
TFSA, RRSP or FHSA: where should your next dollar go
Contribution rooms, tax treatment and withdrawal rules compared side by side — and the order that usually makes sense.
9 min readCompare the accounts
Family
The RESP and the free grant money too many parents miss
How the Canada Education Savings Grant adds 20% to your contributions, the lifetime limits, and how growth compounds over 18 years.
8 min readOpen the RESP calculator
Housing
Rent or buy: the honest comparison
Beyond the mortgage payment: property tax, maintenance, opportunity cost and the break-even horizon most comparisons ignore.
8 min readRun the comparison
Investing
Compound growth, explained without jargon
Why starting five years earlier can matter more than picking the perfect fund — with the exact formula your projection uses.
5 min readProject your growth
Quebec guides
QPIP: the 2026 guide to Quebec Parental Insurance (RQAP)
QPIP 2026: eligibility, basic vs special plan, weeks, benefit rates and the $103,000 maximum insurable income. Worked example and family budget.
Home Buyers' Plan (HBP/RAP): using your RRSP to buy a first home
Home Buyers' Plan: RRSP withdrawals up to $60,000, eligibility, 15-year repayment and combining the HBP with an FHSA in Quebec.
Family budget in Quebec: a simple method
Build a family budget in Quebec: a simple template, childcare costs, Family Allowance, Canada Child Benefit and RESP savings with the CESG and QESI.