14 Free Tools · No signup required

Where are you
in your journey?

Pick your situation and we'll show you the 2–3 tools that matter most right now.

All 14 tools — browse by financial stage
1
🛡️ Foundation — Emergency Fund
Before investing, you need a safety net
💰 Spending Plan
2
🎁 Free Money — Employer Match
Guaranteed 50–100% return. Always capture first.
⚖️ TFSA vs RRSP 📊 RRSP Room
3
💳 Kill High-Interest Debt
19.99% credit card = 19.99% guaranteed return
🎯 Credit Utilization 📈 Credit Score Timeline
4
🏠 First Home — FHSA
Tax deductible IN + tax-free OUT. Open now.
🏠 FHSA Optimizer 🏡 Rent vs. Buy
5
📊 Core Accounts — TFSA & RRSP
Income bracket drives the right account choice
⚖️ TFSA vs RRSP Decision 📊 TFSA & RRSP Room
6
🍁 Newcomer Essentials
Things only newcomers need to know
💰 Benefits 💸 Send Money 🏦 Banking 🚗 Driving Record
7
📈 Optimize — Surplus Investing
After all accounts are maximized
📍 Asset Location 🏦 CPP & OAS Pension
Quick jump to any tool
💰 Spending Plan 📈 Credit Score Timeline 🎯 Credit Utilization 💸 Send Money 🏡 Rent vs. Buy 💰 Benefits Maximizer 🚗 Driving Record Transfer 📊 TFSA & RRSP 🏦 CPP & OAS Pension 🏦 Banking Comparator ⚖️ TFSA vs RRSP 📍 Asset Location 🏠 FHSA Optimizer 🗺️ Where to Start?
💰 Tool 1 of 3

Conscious Spending Plan

Based on Ramit Sethi's framework. Enter your take-home pay and see exactly where every dollar should go — including how much to invest from day one.

Your take-home income
$
🏠
Fixed Costs
55%
$—
Rent, utilities, insurance, subscriptions, loan payments
50% 60%
📈
Investments
10%
$—
TFSA, RRSP, Wealthsimple, index funds — automate on payday
10% 20%
🎯
Savings Goals
10%
$—
Emergency fund, vacation, down payment, car
5% 15%
✨
Guilt-Free Spending
25% · auto
$—
Dining, hobbies, shopping — spend extravagantly on what you love
$—
Monthly Income
$—
Wealth Building
$—
Annual Invested
📈 Tool 2 of 3

Credit Score Timeline

Select the actions you're taking (or planning to take) and see a realistic timeline to each credit score milestone. Based on how Canadian credit bureaus score behaviour.

✓
💳
Got a secured credit card
+30 pts / mo
The single biggest action you can take as a newcomer
✓
✅
Pay on time, every month
+20 pts / mo
Payment history is 35% of your credit score
✓
📊
Keep utilization under 30%
+15 pts / mo
Never use more than 30% of your credit limit
✓
🏦
Opened a newcomer bank account
+10 pts / mo
Establishes your banking relationship in Canada
✓
🚫
Not applying for multiple cards
+8 pts / mo
Each application creates a hard inquiry — avoid stacking
✓
🔍
Monitoring my credit score
+5 pts / mo
Borrowell or Equifax free monitoring (soft pull only)
📋 Select the actions you're taking above to see your personalised credit score timeline.
🎯 Tool 3 of 3

Credit Utilization Checker

Credit utilization — how much of your limit you're using — accounts for 30% of your score. This tool shows your current ratio and exactly how much to spend to keep it optimal.

$
$
0–10% ideal
10–30% good
30%+ hurts
—%
utilization ratio
💡
Enter your credit limit and balance above
We'll instantly tell you if your utilization is helping or hurting your score.