Your first paycheque, figured out.
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.
Where are you starting from?
Paycheque calculator
Where does my paycheque go?
See what comes off every cheque, what you actually take home, and whether you’ll get some of it back at tax time.
Card finder
Your first credit card, picked by math
Add what you spend in a month. We rank every card by what it would pay you back. Commissions never change the order.
Your checklist
Getting started, step by step
The money stuff nobody explains, in the order that matters. Your progress saves on this device.
Your first-job checklist
Your savings room
TFSA room starts the year you turn 18 (or become a resident, if later). Unused room carries forward forever.
Guides
Short reads. No jargon.
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.
5 min read TaxesYour 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.
7 min read CreditYour 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.
6 min read SavingTFSA 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.
6 min read SchoolStudent 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.
6 min readOne email a week
One money move a week. Two minutes to read.
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