The Investing pillar is the boring-but-essential half of the toolkit — the math that decides whether your retirement plan actually works. The Compound Interest Calculator is the workhorse: enter a starting balance, monthly contribution, expected return, and number of years, and it projects your end balance plus a year-by-year chart. The default 7% nominal return is roughly the long-run TSX + S&P 500 60/40 mix; drop to 4% if you want a 'real' (inflation-adjusted) projection.

For cash that needs to stay accessible, our HISA Rates table tracks the top high-interest savings accounts in Canada this week (EQ Bank, Wealthsimple Cash, Tangerine, Simplii, etc.) with promo rates flagged. For cash you can lock up, the GIC Rates table covers 1, 3, and 5-year GICs from the major banks and challenger institutions. Both are refreshed weekly.

The Currency Converter handles CAD against 30+ currencies using mid-market rates — useful if you're paying tuition abroad, sending money home, or just figuring out what a US-listed ETF actually costs you in CAD after FX. For more on the fee layer (Wealthsimple's 1.5% spread vs Norbert's gambit), see our broker reviews.