Blog

TrackMoola can do a lot — but you don't need to use all of it on day one. Here's a calm, friendly tour of where to start and how to find your way around.

June 15, 2026

At sixty-three, Gordon faced a question with no universal answer: keep contributing to his RRSP for the tax break, or start drawing it down early to soften the bill later.

June 11, 2026

Three years from retirement, Lise wanted a clear-eyed year-end review instead of a vague sense of unease. A simple checklist turned a fuzzy worry into a confident plan.

April 23, 2026

With three kids and years of missed grant room, the Martins assumed they had lost out. A measured catch-up plan let them claim grants per child without straining the month.

April 18, 2026

Chidi's allowance used to vanish the day he got it. When his parents tied it to chores, gave it a payday, and set him a real goal, the whole pattern changed.

April 14, 2026

The Nguyens did not want to lecture their eight-year-old about money. Six short weeks of lessons later, she was the one explaining why she wanted to save.

April 11, 2026

The Tremblays had a few hundred dollars a month to spare and two strong opinions about it. Instead of arguing, they modelled both paths side by side.

April 7, 2026

Nadia kept feeling poorer than her bank balances suggested. The culprit was not her spending — it was a mortgage that had quietly been counted twice.

April 4, 2026

Jordan and Sam had read blog posts about the Smith Manoeuvre but could not agree on whether it was worth the risk. The calculator turned a vague debate into numbers their broker could react to.

April 2, 2026

Priya was about to sell a winning stock in one click. Seeing the tax bill first — before she sold — changed how she did it and saved her a meaningful amount.

March 31, 2026

Marcus used to scramble in April with no levers left to pull. One December, he worked through five moves before the deadline and watched the savings stack up.

March 28, 2026

Nadia knew an RRSP contribution should generate a refund, but nobody could tell her how big until she tried. Seeing a number near $4,300 changed what she did with it.

March 24, 2026

Priya kept agonizing over small spending choices while ignoring bigger levers. Then she turned planning into a game of what-ifs — and discovered the change that actually mattered.

March 21, 2026

Marcus knew his FIRE number. What he didn't know was whether his plan could survive a brutal market right after he stopped working. So he tested it — and slept a lot better afterward.

March 17, 2026

When Renee first saw her financial health score of 58, it stung. But it also gave her something she'd never had — a single, honest read on where she stood, and a way to watch it improve.

March 14, 2026

Comparing yourself to a national average can be motivating or discouraging — and often misleading. Here is an honest, clearly-illustrative look at net worth by age in Canada, plus the levers that actually move your number.

March 10, 2026

Daniel hated the idea of his net worth chart starting at a single lonely dot today. So he dug out old statements and rebuilt five years of history in one afternoon — and what he saw changed how he felt about his progress.

March 7, 2026

Maya used to avoid looking at her finances entirely. Twelve months of simple monthly tracking turned a fuzzy feeling of being behind into a clear, rising line she could finally trust.

March 3, 2026

Theo Brandt had built a company worth being proud of. The question he had never asked was what would happen to it the day he was no longer around to run it.

February 28, 2026

Models for couples are finally here. Learn why TrackMoola Pro is the only financial app that understands shared expenses, individual accounts, and joint goals.

February 27, 2026

A real story of maximizing RDSP government grants. Learn how the Canada Disability Savings Grant and Bond can multiply your savings by 350%.

February 27, 2026

How choosing the wrong account cost Marcus $12,000 in lost benefits. Learn the optimal order to contribute to FHSA, RRSP, TFSA, RESP, and RDSP.

February 27, 2026

When the back-to-school flyers arrived, Marc realized he had skipped a couple of years of RESP contributions. The good news: the government grant room was still waiting for him.

February 27, 2026

Marcus Bell had been paying himself the same way for years out of habit. As retirement approached, he finally asked whether habit was actually serving him.

February 24, 2026

Priya thought she was 'probably fine' for retirement — until she ran the numbers. Here's how she found an $800/month gap and built a 3-step plan to close it before 55.

February 22, 2026

Marcus was earning $95,000 a year but had less than $2,000 in savings. The cash flow calculator revealed he had 14 active subscriptions and was dining out 18 times a month.

February 22, 2026

Aisha and Raj were paying $2,800 a month in rent and wondering if buying was smarter. The calculator gave them the answer — and a crucial warning.

February 22, 2026

Deepa thought a $550,000 Toronto condo renting for $2,200 was a great investment. The calculator showed she'd lose $350 every month before accounting for vacancies.

February 22, 2026

Sofia and James were contributing $100/month to their daughter's RESP. The calculator showed they were leaving $300/year in free government money on the table.

February 22, 2026

Dr. Renee Lavoie had spent years building up money inside her dental corporation. The hard part was not earning it — it was figuring out how to get it out again.

February 21, 2026

Eleanor Voss wanted to support a cause she loved and still take care of her family. She assumed it had to be one or the other. It did not.

February 17, 2026

Choosing the right mortgage strategy can save you tens of thousands of dollars. With our new comparison engine, you can now model every scenario from rate changes to recurring prepayments.

February 14, 2026

Grace and Tomas Delgado knew the size of their estate. What they did not know was how much of it would survive taxes and actually land in their children's hands.

February 14, 2026

Priya had $200 in her savings account and a nagging fear of 'what if.' Here's how she turned that anxiety into a $12,000 safety net in under a year.

February 13, 2026

Earning 0.05% in a big bank savings account? You're leaving hundreds of dollars on the table. Here are the best alternatives for 2026.

February 13, 2026

Sarah felt like her debt balance never moved. See how switching from 'random payments' to the Avalanche method changed everything.

February 12, 2026

Marcus felt stuck with credit card debt and a dream of homeownership. Here is how he used our chain calculator to build a realistic 4-year roadmap.

February 12, 2026

Harold and Brenda Whitfield had planned carefully for retirement, but nobody had told them about the one tax return that arrives after you are gone.

February 10, 2026

With the March 2, 2026 RRSP deadline approaching, many Canadians wonder: should I borrow to maximize my contribution? Learn when RRSP loans work—and when they don't.

February 7, 2026

Linda assumed the spousal RRSP was a young person's tool. In their early sixties, she and Robert discovered it was exactly the lever they needed to even out their retirement income.

February 7, 2026

Aisha and Omar each had a sensible plan to spend down their own savings. The problem was that two solo plans, added together, were quietly leaving money on the table.

February 3, 2026

Is term insurance a waste of money? How much do you really need? We dive into the most popular Reddit and Twitter debates about life insurance.

January 31, 2026

Margaret and Glen file two tax returns but live one life. When they looked at their household tax bill instead of two separate ones, a simple move freed up about $3,000 a year.

January 31, 2026

Tom retired at the worst possible moment — right before the market fell. A simple guardrail spending rule turned a terrifying first year into a plan that held up anyway.

January 27, 2026

I had $10,000 to invest but didn't know whether to put it in my RRSP, TFSA, or a non-registered account. Here's how the Account Type Comparison calculator gave me a clear answer—and the exact numbers behind it.

January 25, 2026

The Smiths could not stomach the thought of a market crash dictating their retirement. Comparing a partial annuity against managing it all themselves gave them a floor they could trust.

January 24, 2026

I was about to contribute $7,000 to my TFSA in 2026 when I decided to double-check my room. Here's how the TFSA Room Calculator showed I had already used part of my limit—and saved me from a costly mistake.

January 20, 2026

Suzanne could afford to retire at 58 but could not see how the income would hold together before her government benefits began. The piece she was missing had a name: the bridge.

January 20, 2026

Marc-Andre had a pension transfer sitting in a LIRA he could not seem to touch. Once he understood how it turns into income, a stranded account became a dependable paycheque.

January 17, 2026

Looking for the best brokerage promotion in Canada? We've compared all current offers to help you find the highest rewards for your accounts.

January 15, 2026

With the RRSP deadline approaching, I wasn't sure how much room I had or what my refund might be if I contributed $10,000. The RRSP Room Calculator gave me both numbers in seconds.

January 14, 2026

Brigitte assumed her retirement income was simply too low to do anything about. It turned out the way she drew it was quietly costing her a benefit she had every right to claim.

January 13, 2026

Transferring your RRSP between brokerages can help you take advantage of promotional bonuses. Here's everything you need to know.

January 10, 2026

60, 65, or 70? Three retirees, three completely different right answers. The lesson is not which age wins — it is that the best age depends entirely on you.

January 10, 2026

I opened an FHSA in 2024 but hadn't contributed the full $8,000 each year. When I got serious about buying in 2026, I used the FHSA Room Calculator to see how much I could still contribute and what my remaining lifetime room was.

January 8, 2026

Margaret was quietly handing back part of her Old Age Security every year. By reshaping where and when her income arrived, she kept far more of it.

January 6, 2026

We compare the current promotions from three major Canadian brokerages to help you decide which offer is best for you.

January 5, 2026

Linda's large RRSP felt like a win — until she learned what happens at 71. By acting at 58, she turned a looming tax spike into a smooth, manageable bill.

January 3, 2026

Six months into the year, Renee gave her finances a quick mid-year review. A handful of small course-corrections were all it took to feel back on track for 2026.

January 2, 2026

David did not want a rosy single projection. He wanted the truth about whether his money would last. A probability of success gave it to him — and two small levers improved the odds.

December 30, 2025

Brokerage transfer bonuses can be confusing. This comprehensive guide explains everything you need to know.

December 28, 2025

Helen and Marc had saved well, but the order they spent their accounts quietly handed tens of thousands to the CRA. A small change kept the money in their pockets.

December 27, 2025

Brokerage bonuses are generally taxable in Canada. Here's what you need to know about reporting them on your tax return.

December 20, 2025

Looking to transfer your TFSA? Here are the best brokerage promotions specifically for Tax-Free Savings Accounts.

December 15, 2025

Timing matters when switching brokerages. Here's when to make the move to maximize your rewards.

December 10, 2025

I had $20,000 in a non-registered account and couldn't decide between dividend-paying Canadian stocks and a GIC. The Dividend Tax Credit Calculator showed me exactly how much I'd keep after tax in each scenario.

December 5, 2025

I was selling a rental property and wanted to know how much tax I'd owe. The Capital Gains Tax Calculator gave me an estimate in minutes using my province, income, proceeds, and ACB.

November 28, 2025