Pick the situation that matches yours. Each card sends you to a plain-English guide, the calculator that does the math, and a list of related tools — without you needing to know the difference between a guide, an article, and a glossary entry.
Who it’s for: First-time buyers and anyone planning a purchase in Canada.
Figure out the four cash flows of a Canadian mortgage: down payment, monthly principal-and-interest, insurance premium when down payment is below 20%, and closing costs at signing.
Who it’s for: Anyone deciding when to start CPP, OAS, or how to draw down RRSP/TFSA.
Compare CPP at 60, 65, or 70 against your other income, and check whether your OAS will be reduced by the recovery tax (clawback) at higher incomes.
Who it’s for: Employees, self-employed people, and anyone preparing a T1 return.
See what you actually take home after federal and provincial tax, CPP, EI, and (in Quebec) QPP — for any province or territory.
Who it’s for: Families, low-income workers, seniors, and anyone with a disability.
Estimate Canada Child Benefit, GST/HST Credit, Canada Workers Benefit, and provincial top-ups — based on the prior tax-year income CRA uses.
Who it’s for: Anyone deciding which registered account to use for savings or investing.
Compare the long-run after-tax value of each account at your marginal tax rate today and at withdrawal, and check current contribution room.
Who it’s for: Anyone holding credit card balances, lines of credit, or a closed mortgage.
Build a realistic payoff plan, see how prepayments shorten a mortgage, or compare consolidation against keeping current debts.
Who it’s for: Permanent residents, work-permit holders, and international students in their first year.
Set up a SIN, open accounts, build a credit history, and prepare your first Canadian tax return — all in plain English with the official sources cited.
Who it’s for: Sole proprietors, freelancers, and incorporated business owners.
Plan for quarterly tax installments, decide when to register for GST/HST, and compare salary vs dividends if you incorporate.
Plain-English overview of a topic, written for people who do not yet know the rules. Open this first.
Runs the official Canadian formula on numbers you enter. Open this when you have a specific question.
Deep dive into a single rule, regulation, or scenario. Open this when a guide leaves a specific question unanswered.
One-paragraph definition of a term or acronym. Open this when a word in a guide or calculator is unfamiliar.