Plain-language guides to mortgages, taxes, TFSAs, and more â written for Canadians, backed by free calculators.
Who needs it, how premiums are calculated, the 2024 rule changes, and whether putting more than 20% down is worth it.
â Read guide đ MortgageWhat the stress test is, how it reduces your maximum mortgage by 20â25%, and what changed in late 2024 for renewals.
â Read guide ⥠MortgageFour strategies â accelerated bi-weekly, extra monthly payments, lump sums, and payment increases â with real savings numbers.
â Read guide đ MortgageWhy the Interest Act requires semi-annual compounding, how to calculate the correct monthly rate, and why most calculators get it wrong.
â Read guideFull annual limit table from 2009â2026, how withdrawals restore room, and how to avoid the 1% over-contribution penalty.
â Read guide đ InvestingThe definitive comparison â when each account wins, how your tax bracket changes the math, and the "use both" strategy explained.
â Read guide đĻ InvestingHow GICs work, the types available, CDIC deposit insurance, and why holding a GIC inside a TFSA or RRSP makes a big difference.
â Read guide đ InvestingThe $32,490 cap held flat for both years â what that means, how your personal limit is calculated, and strategies to maximize your deduction.
â Read guide đ InvestingHow compounding works, the Rule of 72, frequency comparisons, and why tax-sheltered accounts inside a TFSA or RRSP make it even more powerful.
â Read guideEvery bracket for the 2025 tax year, marginal vs average rates explained, CPP/EI rates, RRSP savings, and capital gains rules.
â Read guide đ TaxMarginal vs effective rate explained, 2026 federal brackets, combined provincial rates by province, and how your rate affects RRSP decisions.
â Read guideHow each type works, the IRD penalty difference, historical performance, and how to decide which suits your situation.
â Read guide đ MortgageThe GDS and TDS rules lenders actually use, the stress test's impact, down payment requirements, and a worked example at $100K income.
â Read guide đ MortgageThe 65%/80% LTV rules, rate comparison, costs including IRD penalties, and which option fits your situation.
â Read guide