Sixteen tools. Your numbers. No sign-up.
Every tool lives inside a journey, so the explanation is always one step away. Jump straight in here. What you type stays in your browser.
Everyday money
Take the journeySpending sorter
Sort a real-looking month into needs, wants and saving. The judgment calls are explained.
Open the sorter → CalculatorSpending plan builder
Split your take-home pay and see what’s left to give a job, honestly, at today’s rents.
Build a plan → SimulatorSafety buffer
How long to $500, $1,000, and one or three months of needs at the amount you choose.
Plan a buffer → CalculatorBank fees and payday loans
Add up your yearly fees, and see what a payday loan costs when it’s rolled over.
Check your fees →Debt
Take the journeyMinimum-payment trap
Minimum payments against a fixed amount, charted over time. Includes Quebec’s 5% rule.
Run the simulator → CalculatorEverything you owe
List your debts and see the total, the monthly minimums and this month’s interest.
List your debts → ComparisonAvalanche or snowball
See your debt-free date and total interest with each payoff method.
Compare methods →Benefits and taxes
Take the journeyBenefits worth checking
Answer a few questions to see which benefits fit your situation and how each is claimed.
Find benefits → CheckerFree tax clinic eligibility
Check whether a free clinic can file your return, and see the other free ways to file.
Check eligibility → ChecklistFiling checklist and benefit year
What to gather, and how filing on time turns into payments all year.
Get ready →Fraud and scams
Take the journeySpot the scam
Eight messages based on real patterns. Some are legitimate. Can you tell which?
Test yourself → ChecklistLock down your accounts
Eight settings and habits that close the doors scammers use most.
Check your protection → StepsIf it happens to you
What to do, in order, if you sent money, shared information or clicked a link.
Get the steps →Credit
Take the journeyScore lab
Change the habits and watch which way a score moves, and why.
Open the lab → ReaderRead a credit report
Tap through a sample report. Learn what R1, I1 and R9 mean before you look at yours.
Read a report → CalculatorHow much of your limit you use
See your utilization and exactly what would bring it under 30%.
Calculate →Was this helpful?
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