Answer 12 questions about your situation. Receive a personalised assessment showing exactly what to do, in what order — and how much money you may be leaving on the table.
Step 1 of 12 — Your Arrival0%
Section 1 of 4 — Your Situation
How long have you been in Canada?
This affects your TFSA contribution room, tax filing history, and which benefits you're currently eligible for.
✈️
Less than 6 months
Very new — let's start at the beginning
📦
6–18 months
Settling in, some accounts may be open
🏠
1.5–3 years
Established but probably missing things
🌱
3–5 years
Settled — let's find the gaps
🍁
5+ years
Long-term — may have accumulated room
Section 1 of 4 — Your Situation
What is your approximate household income?
This determines RRSP room, tax bracket, benefit eligibility and optimal account strategy.
💼
Under $50,000
💼
$50,000 – $80,000
💼
$80,000 – $120,000
💼
$120,000 – $180,000
💼
$180,000+
🔒
Prefer not to say
Section 1 of 4 — Your Situation
What is your employment situation?
Self-employed individuals have different CPP obligations and deduction strategies.
🏢
Employed full-time
Employer deducts tax, CPP, EI automatically
💻
Self-employed / freelance
Pay both employee + employer CPP contributions
🔀
Both employed + side income
Hybrid situation — more to consider
🔍
Currently between roles
EI eligibility + planning ahead
Section 1 of 4 — Your Situation
Which province do you live in?
Provincial tax rates and credits vary significantly — Ontario and BC have specific programs newcomers often miss.
🏙️
Ontario
🏔️
British Columbia
🌾
Alberta
⚜️
Quebec
🌻
Manitoba
🌅
Saskatchewan
🌊
Nova Scotia
🌲
New Brunswick
🍁
Other Province
Section 2 of 4 — Your Family
Do you have children under 18 in Canada?
Children unlock CCB payments, RESP grants (free government money), and provincial child benefits.
👤
No children
👶
1 child
Up to $7,787/year in CCB (income-dependent)
👨👩👧👦
2 children
Multiplied benefits — RESP for each child
👨👩👧👦
3 or more children
Significant benefit potential
Section 2 of 4 — Your Family
Are you planning to buy your first home in Canada?
The FHSA (First Home Savings Account) gives you $8,000/year in tax deductions — most newcomers don't know it exists.
🏡
Yes — within 2 years
FHSA + HBP strategy is critical for you
🏡
Yes — within 2–5 years
Start FHSA now, grow tax-free
🤔
Maybe — not sure yet
FHSA is worth opening regardless
🏢
No — prefer to rent
Different strategy, still options
✅
Already own a home
FHSA not applicable
Section 2 of 4 — Your Family
Do you have a spouse or partner with income in Canada?
Spousal RRSP contributions and income-splitting strategies can significantly reduce your combined tax bill.
👫
Yes — both earning similarly
👫
Yes — I earn significantly more
Spousal RRSP strategy important
👫
Yes — partner not working yet
Strong income-splitting opportunity
👤
No — single filer
Section 3 of 4 — Your Accounts
What's your TFSA situation?
The TFSA is the first account most newcomers should open. Every year unused is contribution room you can never recover.
❌
I haven't opened one yet
This is likely your #1 priority action
📂
Open but not contributing
Account exists but money isn't in it
🔶
Contributing but not maximising
Some money in, room still available
✅
Fully maximised each year
Well done — let's look at other accounts
🤷
Not sure what my situation is
Section 3 of 4 — Your Accounts
What's your RRSP situation?
RRSP reduces your taxable income — for higher earners this can mean thousands back at tax time.
❌
Haven't opened one
📂
Open but not contributing
🔶
Contributing regularly
✅
Maximising annually
🤷
Not sure
Section 3 of 4 — Your Accounts
Have you opened an RESP for your children?
The CESG gives you a free 20% government match (up to $500/year per child). This is free money that many newcomers delay claiming.
➖
Not applicable — no children
❌
Have children but no RESP yet
You may be missing CESG grants retroactively
🔶
Open but not maximising the grant
Contributing less than $2,500/year per child
✅
Contributing $2,500+/year per child
Getting the full CESG match
Section 4 of 4 — Your Goals
What's your biggest financial concern right now?
This helps prioritise what your report focuses on most.
📋
Understanding Canadian taxes
Deductions, credits, filing correctly
📈
Getting started investing
Which accounts, what order
💰
Finding benefits I'm missing
CCB, GST credit, provincial programs
🏡
Saving for a home
FHSA, HBP, down payment strategy
🌅
Long-term retirement planning
CPP, RRSP, TFSA for the future
💳
Building Canadian credit
Credit score, mortgage readiness
Section 4 of 4 — Almost Done
Where should we send your report?
Your personalised report will be generated and displayed immediately. We'll also email you a copy to keep.
🔒 Never shared. Used only to send your report and occasional tips.
By submitting, you confirm you understand this report is educational only and does not constitute financial, tax, or legal advice. Always consult a licensed professional.
Your Personalised Assessment is Ready
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✓ Personalised Financial Readiness Assessment based on your answers
✓ Your Financial Health Score across 5 dimensions
✓ Estimated $ left on the table based on your situation
✓ Prioritised action list — what to do first, second, third
✓ Emailed PDF copy to keep and share
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Scoring your situation...
We're applying the Canada Newcomer Financial Readiness Framework to your answers.
1
Calculating your TFSA contribution room
2
Estimating missed benefits by province
3
Scoring your financial health across 5 dimensions
4
Building your priority action plan
5
Preparing your personalised recommendations
Canada Newcomer Financial Readiness Framework
Your Financial Readiness Assessment
Prepared for You
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/ 100
Your Financial Health Score
💰 Estimated Opportunity
—
Annual benefits potentially unclaimed
—
Est. TFSA room accumulated
—
Potential tax savings this year
🧠 Your Situation Analysis
Preparing your personalised analysis...
✅ Your Priority Action Plan
Building your action list...
⚠️ Key Gaps Identified
Identifying gaps...
🧮 Go Deeper — Free Calculators
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Disclaimer: This assessment is based on your self-reported information and Canada Revenue Agency published guidelines. It is for educational purposes only and does not constitute financial, investment, tax, or legal advice. Figures are estimates only. Your actual situation may differ. Please consult a Certified Financial Planner (CFP), accountant, or licensed advisor before making any financial decisions.