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https://github.com/NickLewanowicz/awesome-personal-finance-canada

Curated list of online resources for your personal finance
https://github.com/NickLewanowicz/awesome-personal-finance-canada

List: awesome-personal-finance-canada

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Curated list of online resources for your personal finance

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# awesome-personal-finance-canada [![Awesome](https://cdn.rawgit.com/sindresorhus/awesome/d7305f38d29fed78fa85652e3a63e154dd8e8829/media/badge.svg)](https://github.com/sindresorhus/awesome)



## Contents



#### Resources

- [Banking Services](#banking-services)

- [Investment Services](#investment-services)

- [Blogs](#blogs)

- [Podcasts](#podcasts)

- [Community](#community)

- [Books](#books)

- [Courses](#courses)

- [Tools](#tools)

- [Calculators](#calculators)



#### Key Topics

- [Registered Accounts](#registered-accounts)

- [Unregistered Accounts](#unregistered-accounts)

- [Common Personal Finance Terms/Concepts](#common-personal-finance-terms)

- [Home Buyer Benefits](#home-buyer-benefits)



## Resources



### Banking Services



- [EQBank](https://eqbank.ca/) - Free online bank with consistently great HISA rates.

- [Tangerine](https://Tangerine.ca/) - Free online bank with competitive HISA, mastercard, and LoC options.

- [Simplii](https://www.Simplii.com) - Free online bank with competitive Visa card and LoC options.



### Investment Services



- [Wealthsimple](https://www.wealthsimple.com/) - Powerful financial tools to help you grow and manage your money.

- [Questrade](https://www.questrade.com/) - Powerful self directed investing platform with robo advisor option.

- [IBKR](https://www.interactivebrokers.com/) - Self directed investing with competitive fees.



### Blogs



- [Canadian Couch Potato](http://canadiancouchpotato.com/)

- [Million Dollar Journey](https://www.milliondollarjourney.com/)

- [Mr. Money Mustache](https://www.mrmoneymustache.com/)

- [The Penny Hoarder](https://www.thepennyhoarder.com/)

- [The Rich Moose](http://therichmoose.com/)



### Podcasts



- [Rational Reminder](https://rationalreminder.ca/podcast-directory)



### Community



- [r/PersonalFinanceCanada](https://www.reddit.com/r/PersonalFinanceCanada/) - Subreddit with advice on personal finance in Canada.

- [r/personalfinance](https://www.reddit.com/r/personalfinance/) - Subreddit with advice on personal finance (mainly in US but also Canada).

- [r/fican](https://www.reddit.com/r/fican/) - Subreddit with the goal of helping people become financially independent.

- [r/PFtools](https://www.reddit.com/r/PFtools/) - Subreddit for personal finance tools.



### Courses



- [McGill Personal Finance Essentials](https://www.mcgillpersonalfinance.com) - A course by McGill University providing the knowledge and confidence to make a lifetime of smart financial decisions..

- [Investment Vehicles, Insurance, and Retirement](https://www.khanacademy.org/economics-finance-domain/core-finance/investment-vehicles-tutorial) - A course by Khan Acadameny that describes mutual funds, ETFs, retirement accounts, life insurance and hedge funds.

- [Wealthsimple Investing Master Class](https://www.wealthsimple.com/en-ca/class/investing-master-class/) - A 10-part, 45 minute course covering investment basics.



### Books

- [The Wealthy Renter](https://www.goodreads.com/book/show/28673347-the-wealthy-renter) - A balanced look at the cost of home ownership in Canada

- [The Wealthy Barber Returns](https://www.goodreads.com/book/show/12443235-the-wealthy-barber-returns) - If you've always thought of money as a dry subject, let Dave show you how interesting it can be.



### Tools



- [Passiv](https://passiv.com) - Passiv turns your brokerage account into a modern portfolio management tool. Build your own personalized index, invest and rebalance with the click of a button.

- [Wealthica](https://wealthica.com) - A service that aggregates all your accounts and assets into a single dashboard.

- [Mint](https://www.mint.com/) - A web-based personal financial management service for US and Canada.

- [YNAB](https://www.youneedabudget.com/) - A multi-platform personal budgeting program based on the envelope method.

- [LunchMoney](https://lunchmoney.app/) - Delightfully simple personal finance & budgeting.

- [Ghostfolio](https://ghostfol.io/) - Open source wealth management software.



### Calculators



- [Income Tax Calculator](http://simpletax.ca/calculator) - Calculate the amount of income tax you should pay based on your income, capital gains, dividends, etc.

- [Mortgage Calculator](https://www.ratehub.ca/mortgage-payment-calculator) - Calculate mortgage payments, monthly expenses, total interest paid, etc.

- [Interest Calculator](https://www.getsmarteraboutmoney.ca/calculators/compound-interest-calculator/) - Calculate the amount of interest for compounding investments.

- [Retirement Calculator](https://www.wealthsimple.com/en-ca/tool/retirement-calculator/) - See an approximation of your retirement based on your current savings and expected future savings.



## Key Topics



### Registered Accounts



- [TFSA - Tax Free Savings Account](https://www.moneysense.ca/save/investing/wtf-is-a-tfsa/)

- [RRSP - Registered Retirement Savings Plan](https://www.chip.ca/reverse-mortgage-resources/retirement-planning/what-is-registered-retirement-savings-plan-rrsp/)

- [RESP - Registered Education Savings Plan](https://www.moneysense.ca/save/investing/resp/what-is-resp-registered-education-savings-plan-explained/)



### Unregistered Accounts



- [Capital Gains Tax](https://www.moneysense.ca/save/taxes/capital-gains-explained/)

- [ACB - Adjusted Cost Basis](https://www.adjustedcostbase.ca/blog/how-to-calculate-adjusted-cost-base-acb-and-capital-gains/)



### Common Personal Finance Terms



- [Power of compound interest](https://www.canadalife.com/blog/investing-saving/how-to-take-advantage-of-compound-growth.html)

- [DCA: Dollar Cost Averaging](https://www.getsmarteraboutmoney.ca/invest/investing-basics/getting-started/dollar-cost-averaging/)

- [FIRE: Financial independence and retire early](https://www.cpacanada.ca/en/news/world/2019-10-23-fire-movement)



### Home Buyer Benefits



- [HBP: Home Buyer Plan](https://www.ratehub.ca/rrsp-home-buyer) - Ability to use funds from your RRSP toward your downpayment

- [Land Transfer Tax Rebate](https://www.ratehub.ca/land-transfer-tax-rebate) - Rebate on land transfer fees

- [First-Time Home Buyers Tax Credit](https://www.ratehub.ca/first-time-home-buyer-tax-credit) - Help recover closing costs such as legal expenses, inspections, and land transfer taxes.