Plain-English Guides
Financial guides
for real Canadians.
No jargon, no sales pitch. Just clear explanations of Canadian tax and money topics — with links to the calculators that help you run your own numbers.
📖 Most read guide · Investing
RRSP vs TFSA 2025:
Which is actually better for you?
Which is actually better for you?
The answer depends on your tax bracket today vs. in retirement. We break it down with real examples at $50k, $80k, and $120k income — no jargon.
Read the guide →
All guides
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InvestingLive
RRSP vs TFSA: Which is better for you in 2025?
Real examples at different income levels. The RRSP refund trick. Common mistakes to avoid.
⏱ 12 min read
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TaxLive
Capital Gains Tax in Canada 2025: What Changed
The new 2/3 inclusion rate, the $250k threshold, exemptions, and year-end planning tips.
⏱ 10 min read
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New to CanadaLive
New to Canada? How the Tax System Works
SIN, residency, your first T1, CPP, EI, TFSA for newcomers, and benefits you're entitled to.
⏱ 15 min read
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Self-Employed · Gig EconomyLive
Gig Worker Tax Guide — Uber, Skip, Instacart & More
What you owe, every deduction you can claim, GST/HST rules by platform, quarterly installments, and pro tips to pay less.
⏱ 18 min read
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HousingComing Soon
How Much Mortgage Can I Afford in Canada?
GDS/TDS ratios, stress test, CMHC insurance, and what lenders actually look at.
⏱ ~10 min read
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RetirementComing Soon
CPP at 60, 65, or 70: The Math Explained
When does waiting to take CPP actually pay off? Breakeven analysis with real numbers.
⏱ ~8 min read
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BusinessComing Soon
Salary vs Dividends: What's More Tax-Efficient?
For incorporated business owners — the tax math behind paying yourself salary vs dividends.
⏱ ~10 min read