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Know your numbers.
Own your finances.

Three free calculators built specifically for newcomers navigating the Canadian financial system.

💰 Spending Plan 📈 Credit Score Timeline 🎯 Credit Utilization
💰 Tool 1 of 3

Conscious Spending Plan

Based on Ramit Sethi's framework. Enter your take-home pay and see exactly where every dollar should go — including how much to invest from day one.

Your take-home income
$
🏠
Fixed Costs
55%
$—
Rent, utilities, insurance, subscriptions, loan payments
50% 60%
📈
Investments
10%
$—
TFSA, RRSP, Wealthsimple, index funds — automate on payday
10% 20%
🎯
Savings Goals
10%
$—
Emergency fund, vacation, down payment, car
5% 15%
✨
Guilt-Free Spending
25% · auto
$—
Dining, hobbies, shopping — spend extravagantly on what you love
$—
Monthly Income
$—
Wealth Building
$—
Annual Invested
📈 Tool 2 of 3

Credit Score Timeline

Select the actions you're taking (or planning to take) and see a realistic timeline to each credit score milestone. Based on how Canadian credit bureaus score behaviour.

✓
💳
Got a secured credit card
+30 pts / mo
The single biggest action you can take as a newcomer
✓
✅
Pay on time, every month
+20 pts / mo
Payment history is 35% of your credit score
✓
📊
Keep utilization under 30%
+15 pts / mo
Never use more than 30% of your credit limit
✓
🏦
Opened a newcomer bank account
+10 pts / mo
Establishes your banking relationship in Canada
✓
🚫
Not applying for multiple cards
+8 pts / mo
Each application creates a hard inquiry — avoid stacking
✓
🔍
Monitoring my credit score
+5 pts / mo
Borrowell or Equifax free monitoring (soft pull only)
📋 Select the actions you're taking above to see your personalised credit score timeline.
🎯 Tool 3 of 3

Credit Utilization Checker

Credit utilization — how much of your limit you're using — accounts for 30% of your score. This tool shows your current ratio and exactly how much to spend to keep it optimal.

$
$
0–10% ideal
10–30% good
30%+ hurts
—%
utilization ratio
💡
Enter your credit limit and balance above
We'll instantly tell you if your utilization is helping or hurting your score.

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