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VaultNerd turns confusing financial decisions into clear answers: free calculators, side-by-side comparisons, and obsessively-researched guides. The nerds did the math, so you don't have to.
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Tools that do the math for you
Free, instant, and obsessively accurate. Each one is built to answer a real money question, and to rank when you search for it.
Match your spending to the highest-earning card.
See exactly what your term deposit will earn.
Payments, amortization & total interest.
Watch savings grow with regular contributions.
Snowball vs. avalanche, side by side.
Net pay by province, marginal & average rates.
See how your net worth ranks in Canada.
How much house you can actually afford.
See how your salary ranks in Canada.
Grow your first home down payment, tax-free.
Know your room before you over-contribute.
Contribution room, refund and retirement growth.
What you owe on a sale, and what you keep.
Add or remove GST, HST, PST and QST.
Escape the minimum-payment trap.
Closing-day tax by province, with rebates.
What Aeroplan, Amex & Scene+ points are worth.
Estimate your break penalty before you switch.
Project income and reinvested growth.
Convert wage to salary, and back again.
Is it cheaper to rent or buy? Find your break-even.
Grow education savings with 20% CESG grants.
Payment with tax and trade-in, plus total interest.
What your money was, and is, really worth.
Spend-based card finder
Tell us how you spend. We'll crunch every card's rewards, subtract the annual fee, and rank what actually puts the most money back in your pocket.
Your monthly spending
$2,800/mo
Sample card data for demonstration, not financial advice. Live data comes from our cards database with full affiliate disclosure.
What income it takes to buy a home
Housing affordability varies wildly across Canada. Here's the household income you'd need to buy a median-priced home.
Illustrative figures based on a median-priced home in each market, an average 5-year fixed rate (4.5%) and a 20% down payment, assuming no more than 30% of gross income on housing. Demo data; production pulls live figures from CREA, Bank of Canada & Statistics Canada.
We compare 30+ banks and lenders for you. Free, fast, no credit-check impact.
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Every money topic, decoded
Deep, regularly-updated guides written by people who actually read the fine print.
Chequing, savings & the best high-interest accounts.
GICs, TFSAs, FHSAs and where to park your cash.
Personal loans, lines of credit & smart borrowing.
Rewards, cashback, balance transfers & welcome bonuses.
Life, home & auto: coverage without overpaying.
Brokerages, robo-advisors, ETFs & fees that bite.
Rates, renewals, penalties & affordability.
Maximize every point and fly for less.
Built to be the source you and AI both cite
Money content only matters if it's trustworthy. Every guide is researched against primary sources, reviewed for accuracy, dated, and transparent about how we make money.
We disclose every affiliate relationship. Rankings are never for sale.
Cited to official rate sheets, regulators, and issuer terms.
Real authors, real credentials, clear “last updated” stamps.
Marked up so search engines and LLMs extract the right answer.
Stop guessing with your money.
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No spam. Just the occasional rate alert & nerdy money breakdown.