Free tools
12 free financial tools for newcomers
Simple, practical tools to help you make smarter money decisions in Canada — all built by our team, all 100% free.
Free
Monthly Budget Calculator
Enter your monthly income and expenses and instantly see where your money is going. Designed for Canadian costs — rent, groceries, transit, phone and more.
Free
TFSA Contribution Room Calculator
Calculate exactly how much TFSA contribution room you have based on your year of arrival in Canada. Avoid the 1% monthly over-contribution penalty with this simple tool.
Free
Cost of Living Comparison Tool
Compare the cost of living between major Canadian cities — Toronto, Vancouver, Calgary, Ottawa, Montreal and more. Find the most affordable city for your income and lifestyle.
Free
Remittance Fee Comparison Tool
Compare fees and exchange rates across the most popular money transfer services from Canada. See how much your recipient actually receives after all fees are deducted.
Free
Credit Score Tracker
Track your Canadian credit score progress over time. Understand what factors affect your score and what actions will improve it the fastest as a newcomer starting from zero.
Free
Emergency Fund Calculator
Calculate exactly how much you need in your emergency fund based on your monthly Canadian expenses. Find out how long it will take to reach your target at your current savings rate.
Free
Canadian Tax Bracket Calculator
Enter your annual income and province to see exactly which Canadian federal and provincial tax brackets apply to you and how much tax you owe. Updated for the current tax year.
Free
Rent vs Buy Calculator
Should you rent or buy in Canada? Enter your local rent, home prices, down payment and interest rate to calculate which option makes more financial sense for your situation.
Free
Phone Plan Comparison Tool
Compare Canadian phone plans side by side. Filter by data, price and provider to find the best value SIM card for newcomers — one of the biggest monthly costs in Canada.
Free
Grocery Budget Tracker
Track your weekly grocery spending against your budget. Get tips on the most cost-effective Canadian grocery stores for newcomers and how to reduce your food bill every month.
Free
Exchange Rate Converter
Convert between Canadian dollars and 30+ currencies using mid-market rates. See how your bank’s exchange rate compares and how much you could save using a specialist transfer service.
Free
First Year Savings Goal Planner
Set your financial goals for your first year in Canada and build a realistic savings plan. Calculate how much to save each month to hit your targets for an emergency fund, TFSA and more.
Free PDF guides
Free financial education guides — download instantly
Our editorial team has created these plain-English guides specifically for newcomers to Canada. Enter your email to get instant free access.
Free PDF
Newcomer Financial Survival Guide — Canada 101
The essential guide for your first 90 days in Canada. Covers SIN number, banking, credit, taxes and the most common financial mistakes newcomers make — and how to avoid them.
Free PDF
Understanding Your Canadian Credit Score
A complete plain-English guide to how credit scores work in Canada. Learn what affects your score, how to build it from zero and which actions improve it the fastest.
Free PDF
TFSA & RRSP Explained for Newcomers
Canada’s two most powerful tax-saving accounts explained in simple language. Learn the difference, which to open first and how to maximise your tax-free savings as a newcomer.
Free PDF
How to File Your First Canadian Tax Return
A step-by-step guide to filing your Canadian tax return as a newcomer. Covers what forms you need, what deductions you can claim and how to get money back from the CRA.
Free PDF
Sending Money Home from Canada — Complete Guide
Everything you need to know about sending money internationally from Canada. Covers the cheapest services, how to avoid hidden fees and how to get the best exchange rate every time.
Free PDF
Cost of Living in Canada — City by City Breakdown
A detailed comparison of living costs in Toronto, Vancouver, Calgary, Ottawa, Montreal and Edmonton. Includes rent, groceries, transit, phone and utilities — essential reading before you choose where to settle.
Official sources
Canadian government resources every newcomer needs
These are the official Canadian government and regulatory websites every newcomer should bookmark. All links go directly to verified official sources.
Tax
Canada Revenue Agency (CRA)
File tax returns, check TFSA room, manage benefits and access your CRA My Account. The most important government site for newcomers.
Banking
Financial Consumer Agency of Canada (FCAC)
Compare bank accounts, understand your financial rights and file complaints about banks. Canada’s official financial consumer protection agency.
Identity
Service Canada — SIN Number
Apply for your Social Insurance Number — the very first thing every newcomer needs to work legally and access government benefits in Canada.
Immigration
Immigration, Refugees and Citizenship Canada (IRCC)
Official immigration portal. Check PR status, apply for citizenship and access official newcomer settlement resources across Canada.
Education
FCAC Financial Literacy Toolkit
The Government of Canada’s free financial literacy resources. Covers budgeting, credit, saving, borrowing and planning — available in multiple languages.
Privacy
Office of the Privacy Commissioner of Canada
Your privacy rights in Canada. File complaints about how companies handle your personal information under PIPEDA — Canada’s federal privacy law.
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