Money basics every Canadian should know.
Free, plain-language tools and guides for your pay, credit, taxes and savings. Built in Canada, for Canadians.
Where are you starting from?
Your path · Finishing high schoolFour moves to make first
Starting your first job? See what actually lands in your account, why tax comes off it, and how to build credit the right way when you turn 18.
Tools
Do the math in 30 seconds
Paycheque calculator
What actually lands in your account, and your tax refund.
$554barista take-home
First card finder
Ranked by what it pays you back. Math included.
$211/yrbest student pick
Money checklist
SIN, bank account, TD1, taxes, TFSA. In order.
9 stepslevel up as you go
TFSA room
Your tax-free room starts the year you turn 18.
$7,000at 18 in 2026
Paycheque calculator
Where does my paycheque go?
Five quick taps. See what comes off, what you keep, and what you’ll get back at tax time.
How do you get paid?
How much an hour?
Before anything comes off.
How many hours a week?
Roughly is fine.
How long will you work this year?
This decides whether you get money back at tax time.
Last one. About you.
CPP doesn’t start until 18, and tax depends on your province.
Age
Province
You take home
$0
Change something
Estimate using 2026 CRA rates, a biweekly pay schedule and the basic amount on your TD1. Benefits, overtime or union dues will change it.
Guides
Five-minute reads
First job
How to read your first pay stub
Gross pay, net pay, CPP, EI, income tax and the TD1 form, explained line by line for your first job in Canada.
Taxes
Your first tax return (you'll probably get money back)
Why part-time and part-year workers usually get a refund, what you need, and how to file your first Canadian tax return for free.
Credit
Your first credit card: build credit, not debt
When you can get a credit card in Canada, which one to get first, and the three habits that set your credit score for years.
Saving
TFSA or FHSA: what to open at 18
How TFSA room builds from age 18, why opening an FHSA with $0 makes sense, and where an RRSP fits for young Canadians.
School
Student loans and grants, explained
How Canada Student Loans, provincial aid and grants work, when repayment starts, and what to do if you can't afford the payments.
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One money move a week. Two-minute read.
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