Built by an immigrant, for immigrants

Your first 90 days of money in Canada, sorted.

SIN, bank account, a credit card that works with no Canadian history, building your credit score, your first tax return, benefits you can claim, and sending money home — one clear checklist, free.

Start the 90-day checklist Ask a money question
Educational only — not financial, tax, or immigration advice
~455K
newcomers arrive in Canada each year
~1 in 4
new immigrants start with a credit score under 670
6–12 mo
to build a usable credit score from zero
The 90-Day Plan

Do these, in this order

Tick things off as you go — your progress saves on this device. Tap any item for the how and why.

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Ask Landed

Money questions, straight answers

Type a question about money in Canada. Answers come from a curated newcomer knowledge base — no jargon, no upsell.

This returns curated information from our Canada-money knowledge base (offline, no data leaves your browser). A live AI copilot can be connected later via an API key — see the notes in the code.
Free Tools

Run the numbers

Quick estimators to help you plan. These are rough, educational models — not guarantees.

Credit-building timeline

Roughly how long until you reach a usable score.
~9 mo
estimated time to a ~650+ score

Rent vs buy (quick check)

A back-of-envelope comparison over your time horizon.
—
over your time horizon (rough estimate)
Credit Cards

Cards that work with no Canadian history

Start here to build credit fast. These are card categories — compare current offers before you apply.

Want a full spend-based comparison of Canadian cards? Try the Credit Card Finder →

Guides

The stuff nobody explains

Short, honest guides for your first months. Tap to open.

Get the free Newcomer Money Checklist

A printable PDF of everything above, plus the occasional tip on credit, taxes, and deals. No spam.