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.
Learn the fundamentals. Understand the numbers. Make informed decisions.
- 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.