Deal with Debt
Get Honest Answers About Your Debt
Start here if payments are piling up or you just want to know where you really stand.
How fast could I be debt free?
Debt Repayment Calculator
Enter your debts once and compare five ways to pay them off, side by side, including snowball, avalanche, and a Debt Management Program. See your debt-free date and how much interest each path costs.
See your actual debt free date under each plan
Watch what small extra payments do to the timeline
Compare total interest paid, method by method
Save, print, or email your results to keep
What do minimum payments really cost me?
Cost of Credit CalculatorSee how many years minimum payments take, then what paying a little more saves you.
Is my debt load too heavy?
Debt-to-Income Ratio CalculatorOne quick ratio shows whether your debt is in the healthy zone or worth getting help with.
What are my options for dealing with debt?
Debt Options QuizAnswer 4 quick questions and see which ways forward fit your situation. No math required.
Am I on track to be debt-free?
My Debt JourneyTurn your payoff plan into a monthly journey. Log payments, watch your debt-free date move closer, and get support if you stall.
What does an e-transfer loan really costing me?
Real Cost CheckerSee the true fees and APR of a payday or e-transfer loan, plus cheaper ways to cover the gap.
Everyday Money
Make Your Money Easier to Manage
Budgeting tools that do the math for you so every paycheque goes further.
Where should my money be going?
Budget CalculatorBuild a full budget with counsellor-approved guidelines for every category, plus suggestions when spending runs high.
Where does my money actually go?
My Spending TrackerTrack spending in seconds, snap receipts with your camera, and spot the leaks month over month.
Can I make it to next payday?
My Paycheque PlannerMap your bills to your paydays so nothing bounces and nothing sneaks up on you.
Where can I free up extra cash?
Find the MoneyWork through proven ways to trim costs and boost income, then see your monthly total add up.
Is there benefit money I'm missing?
My Money FinderAnswer a few quick questions to uncover government benefits, credits, and unclaimed money you may qualify for.
Credit & Savings
Build Credit and Savings You Can Count On
Understand where you stand today and set up the habits that move you forward.
Where does my credit score likely sit?
Credit Score EstimatorAnswer a few questions to estimate your range on Canada's 300 to 900 scale, with tips to improve it.
How do I rebuild my credit?
Credit Repair RoadmapA step-by-step plan you can print and follow, tailored to where your credit is right now.
How much should I save each payday?
Savings Goal CalculatorPick a goal and a date, and see the per-paycheque amount that gets you there on time.
What could a few dollars a day become?
Power of Small SavingsSee what skipping small daily spending adds up to over one, five, or ten years. It's more than you think.
Play & Learn
Rather Learn By Playing?
Learn financial concepts firsthand by learning as you play.
Learn the basics of personal finances through life choices
Life Choices RPGLive a whole financial life in ten minutes: jobs, rent, surprises, and the choices that shape it all.
Learn about repaying debt through an arcade style game
Bill BlastersZap bills before they pile up in this arcade shooter. Surprisingly good practice for prioritizing real payments.
Learn budgeting basics the fun way
Monsters at the DoorBill monsters are at the door and they want your money. Pay the right ones, dodge the loan shark, and build real budgeting instincts.
Don’t like what the numbers are telling you?
You don’t have to figure this out alone. Our credit counsellors help thousands of Canadians every year make a plan that actually works. Talking to us is free, confidential, and there’s never any pressure or judgment.