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.

Not sure where to start?

Get the free First 90 Days guide — exactly what to do, in order, from day one.

Download the Free Guide (PDF)

Free · No sign-up · Opens instantly