Make better sense of money in Canada.
Clear, practical education on Canadian banking, mortgages, investing, credit and housing. Understand how the numbers work and what they mean for you.
- HalifaxNova ScotiaStrong78Medium confidence
- ReginaSaskatchewanModerate74Medium confidence
- SaskatoonSaskatchewanModerate74Medium confidence
- MonctonNew BrunswickModerate73Medium confidence
- OshawaOntarioModerate73Medium confidence
Guides for your money, and data on the market you put it into.
Canadian Market Intelligence
Explore Canadian communities on a map, see the economic drivers behind local rental demand, and read a market score you can question component by component.
- Markets tracked
- 26
- Data from
- Statistics Canada, CMHC
- Every score
- Broken down, including what could not be measured
Property calculators
Run a rental's real numbers with Canadian semi-annual compounding, then see how much has to go wrong before it stops working.
Private questions
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Educational and analytical decision-support software. Not investment advice, and market scores are not predictions of returns. Where a figure is unavailable we say so, rather than estimating it.
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Learn by topic
- MortgagesHow Canadian mortgages actually work: qualifying, the stress test, fixed versus variable, renewals and what changes when rates move.
- Credit CardsCredit cards, credit scores and borrowing costs in Canada, explained without the marketing.
- InvestmentsRegistered accounts, index investing, fees and risk. The mechanics of building a portfolio in Canada.
- Financial PlanningBudgeting, saving, taxes and retirement planning for Canadian households.
Latest articles
- InvestmentsYour TFSA Isn't Fully Tax-Free: The US Is Quietly Taking 15% of Your DividendsUS dividends paid into a TFSA lose 15% before they reach you, and you cannot claim it back. What it costs, why an RRSP is treated differently, and when it is worth rearranging.
- InvestmentsDay Trading in Your TFSA? The CRA Could Tax Every Dollar You MadeA Vancouver adviser grew a TFSA to $617,371 and the CRA taxed most of it as business income. What the Income Tax Act actually says, how the CRA decides, and what to do if you trade often.
- Credit CardsPay $1 Less Than Your Full Balance and You Could Lose Your Interest-Free DaysYour credit card gives you at least 21 interest-free days, on one condition: pay the full statement balance. Pay a dollar less and many banks charge interest back to the day of each purchase. How the grace period works, and six habits that keep it.