Latest posts
Registered accounts
Guides to TFSA, RRSP and FHSA rules, plus how Mozaic estimates and tracks your contribution room.
FHSA contribution deadline: December 31, with no 60-day grace period
The FHSA deadline is December 31, not early March like the RRSP. What that means for your room, your deduction, and what to do before year-end.
How to check your TFSA contribution room (and why the CRA number can be wrong)
Where to find your TFSA room in your CRA account, step by step, why that figure leaves out this year's activity, and the three-line calculation that gives you the real number.
TFSA limits by year, 2009 to 2026: the full table and your total room
Every annual TFSA dollar limit since 2009, the running total, and the room you have accumulated by birth year, with the rules for newcomers and withdrawals.
Group RESPs: the fees, the forfeitures, and the Quebec class action
A group RESP is a contract with a schedule, not just a savings account. Here is where the fees come out, what you give up if you stop paying, and why six providers ended up in a Quebec class action.
How much to put in an RESP: the grant-efficient amount for a Quebec family in 2026
For a Quebec child, one number does most of the work: $2,500 a year. Here is why it fills both the federal and provincial grant, and how to pace it so no grant is left on the table.
The RRSP contribution deadline, explained: the first-60-days rule and the dates that matter (2026)
The RRSP is the one registered account with a first-60-days rule, so its deadline lands in early March, not December 31. Here are the dates, why the rule exists, and the reporting trap.
RRSP contribution room vs deduction limit: the difference Canadians get wrong (2026)
Your RRSP deduction limit and the amount you can still contribute are not the same number. Here is the difference, worked out with the two lines on your Notice of Assessment, plus the $2,000 buffer.
Tracking a spousal RRSP: whose room, whose account, and the 3-year rule (2026)
A spousal RRSP splits ownership from contribution room, which is exactly what makes it easy to mis-track. Here is who owns what, the 3-year attribution rule, and how to keep the two sides straight.
TFSA overcontribution in 2026: worked examples, the 1% penalty, and how to fix it
How the TFSA overcontribution tax actually works in 2026, calculated month by month with real dollar figures, plus the two-step fix and how to ask the CRA to cancel the penalty.
TFSA recontribution after a withdrawal: the timing trap that costs Canadians a penalty (2026)
Money you withdraw from a TFSA comes back as room on January 1 of the next year, never the same year. Here is the recontribution timing rule, in plain English, with worked examples.
FHSA vs RRSP vs TFSA: which account should you fill first in 2026?
A plain-English decision order for Canada's three registered accounts in 2026, covering when the FHSA wins, when the RRSP match comes first, and where the TFSA fits.
FHSA contribution rules in 2026: what to track and what to ignore
The 2026 First Home Savings Account rulebook in plain English. Annual room, lifetime cap, carry-forward, the 15-year clock, and what to keep an eye on.
Net worth
Track everything you own and owe in one place — across accounts, institutions and currencies.
Your bank connection stopped syncing: why it happens and how to fix it (2026)
A connection going stale is normal, not a breach. Here is how read-only bank and brokerage links actually work, the handful of reasons they break, and the order to fix them in.
Tracking joint accounts in a Canadian household without double-counting (2026)
A joint account is one account owned by two people, which quietly breaks both net-worth math and tax reporting. Here is how to count it once and report its income to the right person.
How USD accounts affect your Canadian net worth (2026)
US dollar balances move your Canadian net worth even when you do nothing, because the rate moves under them. Here is how to count USD accounts correctly, which rate to use, and the traps to avoid.
How to track your net worth across every account in Canada (2026)
Your money is spread across banks, brokerages, and registered accounts. Net worth is the one number that ties them together. Here is how to track it properly in Canada.
Investing & brokerages
Work out your real return and cost basis across every brokerage you hold.
ACB vs the book value your broker shows: why they disagree (2026)
Your broker's book value and your adjusted cost base for the CRA are two different numbers, and the gap is where capital-gains errors happen. Here is why they diverge, with worked Canadian examples.
How to calculate your real return across multiple brokers (2026)
You cannot average the return numbers your brokers show you. This is why, and how money-weighted and time-weighted returns each answer a different question, with worked Canadian examples.
Wealthsimple vs Questrade vs IBKR Canada: which works best with an aggregator
Wealthsimple, Questrade, and Interactive Brokers Canada compared on how well each connects to an aggregator like SnapTrade: connection method, holdings depth, FHSA, USD, and edge cases.
How to track multiple brokerage accounts in one place: a Canadian's guide
A Canadian-tax-aware walkthrough of how to consolidate Wealthsimple, Questrade, IBKR, and the big-six brokerages into one read-only net-worth picture.
App comparisons
How Mozaic stacks up against the budgeting and portfolio apps Canadians are switching from.
The best personal finance app in Canada in 2026
Six personal-finance apps that work in Canada in 2026, compared on bank and brokerage sync, CAD and USD, TFSA, RRSP and FHSA tracking, and what is free.
The best personal finance app in Québec in 2026
A guide to the personal-finance apps that work in Québec in 2026: the ones in French, the ones worth tolerating English for, and the ones to skip.
The Hardbacon app is gone, the brand is not: what Canadians should use in 2026
The Hardbacon app wound down in 2024 and the brand was sold out of bankruptcy. What that means if you used the app, and the tracking tools worth a real look in 2026.
Best Mint alternatives for Canadians in 2026
A comparison of seven Mint replacements for Canadians, covering Lunch Money, Monarch, Copilot, YNAB, Wealthsimple, PocketSmith, and Mozaic.
Privacy & security
How your financial data is protected, and what Canadian privacy law means for it.
Open banking in Canada (2026): what consumer-driven banking changes for you, and for Mozaic
Open banking in Canada is now law and the draft rules are in. When it starts, which banks are in, what changes for your bank data, and what it means for Mozaic users.
Quebec's Law 25 and your personal financial data
What Quebec's Law 25 changes when you connect a bank or brokerage account to a personal-finance app: concrete obligations, real user rights, and how to vet compliance.
Founder notes
The occasional personal essay on money decisions, written from the driver's seat.
