Guides

The calculators on this site answer "how much?". These guides answer the question that comes first: do you qualify at all, and do you have to apply? Each one sticks to what Service Canada and the CRA publish and hands off to the calculator for the arithmetic.

Retirement benefits

Old Age Security and the Canada Pension Plan are easy to confuse and work in opposite ways. OAS depends on years lived in Canada and usually starts without an application; CPP depends on contributions and doesn't start until you apply. GIS sits on top of OAS for people with low incomes, with conditions of its own.

Families

Buying a first home

Investments