Guides for your next money decision

Short explanations. Worked examples. A calculator for the next step.

Your mortgage renewal checklist

Compare Canadian renewal offers using the right balance, remaining years and months, payment assumptions and switching costs.

Understand Canadian minimum down payments, a standard insurance example, financed premiums and cash costs excluded from the calculator.

Compare monthly, regular biweekly and accelerated biweekly payments, including the extra annual commitment and constant-rate assumptions.

See how equal-cost RRSP and TFSA comparisons change with future withdrawal tax, refund reinvestment and contribution-room assumptions.

Set a Canadian savings target, choose a timeline and see how a return assumption changes the monthly amount you need to contribute.

Compare a fixed monthly credit-card payment with a slightly larger one, and understand the assumptions behind the payoff timeline.

Understand the 2026 uninsured mortgage qualifying-rate rule, GDS and TDS, and why lender approval may differ from a planning estimate.

Understand FHSA annual room, carryforward, lifetime contributions, closing deadlines and the limits of a simplified comparison calculator.

Compare the highest-interest-first and smallest-balance-first debt payoff strategies with a repeatable three-debt Canadian-dollar example.