Canadian money,
made simple.
14 free calculators and guides covering the money decisions Canadians face — from your first ETF to your mortgage, your paycheque, and retirement.
Investing & ETFs
Grow your money and keep more of it.
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ETF Portfolio
Build a model portfolio from common Canadian-listed ETFs and project its long-term value, inflation-adjusted growth, historical drawdown, and income tax-character.
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Compound Interest
See how an investment grows with regular contributions and compounding — with an inflation-adjusted “today’s dollars” view.
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Investment Fees
See what a fund’s MER really costs you over a lifetime — compare a high-fee fund against a low-cost ETF and watch the gap compound.
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Norbert's Gambit
Convert CAD↔USD cheaply using DLR/DLR.U instead of your broker’s currency-exchange fee. See your savings and the break-even amount.
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Registered accounts
TFSA, RRSP, FHSA and RESP — used right.
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TFSA
Estimate your Tax-Free Savings Account contribution room and project tax-free growth.
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RRSP
Project your RRSP growth and the yearly tax refund your contributions generate.
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FHSA
First Home Savings Account: tax-deductible contributions plus tax-free growth for a first home.
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RESP
RESP growth including the 20% CESG government grant match for a child’s education.
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Tax & paycheque
What you actually keep.
Home & debt
Mortgages and getting debt-free.
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Mortgage
Mortgage payments done the Canadian way (semi-annual compounding): see principal vs interest, your balance at renewal, and how much accelerated payments save you.
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Debt Payoff
Compare the snowball and avalanche methods on your real debts: how fast you’d be debt-free and how much interest each approach costs.
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Retirement & planning
Make your money last.
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Retirement Drawdown
How long will your savings last in retirement? Model inflation-adjusted withdrawals and see what a sustainable (4%-rule) withdrawal looks like.
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Inflation
See how inflation eats the value of money over time — what a sum today will be worth in the future, and what you’d need to keep the same buying power.
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Learn
How money actually works in Canada — fees, investing, accounts, mortgages and tax.
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The CESG: Free Government Money for Your Kid's Education
Open an RESP and the government adds 20% to your contributions. Here's how the Canada Education Savings Grant works, how much you can get, and how to claim it all.
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How Big Should Your Emergency Fund Be?
An emergency fund is the foundation of a stable financial life. Here's how much to save, where to keep it, and why it matters more than investing at first.
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How Canadian Mortgages Actually Work
Term vs amortization, semi-annual compounding, and the accelerated-payment trick — the Canadian mortgage basics that surprise a lot of first-time buyers.
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Norbert's Gambit: How to Convert CAD to USD Cheaply
Brokers often charge ~1.5% to exchange Canadian and US dollars. Norbert's Gambit lets you do it for the cost of two trades — here's the step-by-step.
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One-Ticket ETF Portfolios (XEQT, VEQT & Friends) Explained
A single ETF can be your entire investment portfolio — globally diversified and automatically rebalanced. Here's how all-in-one ETFs work and how to pick one.
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The Order of Operations for Canadian Investing
Not sure what to do with your next dollar? This simple, ordered checklist — debt, emergency fund, employer match, registered accounts — tells most Canadians exactly where money should go first.
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