Canadian Wealth Platform

Every Newcomer Deserves a Canadian Wealth Roadmap

From understanding your first paycheque to buying your first home and building your first investment portfolio.

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🍁 12 Chapters Free
🔧 17 Calculators
🏠 3-Stage Roadmap
Explore Ramavasa

Everything You Need to Succeed in Canada

From your first paycheque to your first investment property.

Stage 01 · Foundations

Master the Canadian money basics

Decode Canada's three most powerful registered accounts — RRSP, TFSA, and FHSA — and learn exactly which to open first. Plus: your paycheque, CPP, EI, emergency funds, and ETFs explained in plain English.

Try the FHSA calculator
Registered Accounts
2026
📈
RRSP
Retirement Savings Plan
18% of income
Tax deduction
🌱
TFSA
Tax-Free Savings Account
$7000 / yr
Tax-free growth
🏠
FHSA
First Home Savings Account
$8000 / yr
Dual tax benefit
💡 Tip: Newcomers: open FHSA first if buying within 5 years — best of both RRSP & TFSA benefits
🏠 Mortgage Calculator Canadian Rules
Home Price
Down Payment
20%
Rate (%)
Amortization (yrs)
Monthly Payment
$2,847
Semi-annual compounding (Canadian Interest Act)
Stress test rate 7.14% — ✅ Qualified
Stage 02 · Home Buying

Buy your first Canadian home with confidence

Build your down payment using FHSA + RRSP HBP. Understand CMHC insurance, pass the mortgage stress test, and know exactly what to expect on closing day.

Try the mortgage calculator
Stage 03 · Real Estate

From homeowner to real estate investor

Learn how to finance your first rental property, analyse cash flow and cap rates, choose between short-term, medium-term, and long-term rentals — then scale from one door to many.

Run a cap rate analysis
📈 Cap Rate & Cash Flow Pro-Forma
Purchase Price ($)
Gross Rent / yr ($)
Expense Ratio (%)
Net Operating Income $32,400
CAP RATE
3.81%
CASH-ON-CASH
5.2%
🏠
Mortgage Calculator
Canadian semi-annual compounding + CMHC
Residential
📊
Cap Rate & Cash Flow
NOI, DSCR, cash-on-cash, ROI
Commercial
🏛️
CMHC MLI Select
Compare all 4 programs · 75–95% LTV
Multi-Unit
+ 14 more Canadian calculators
Free Tools

17 free Canadian calculators

Every tool follows Canadian rules — semi-annual mortgage compounding, CMHC insurance tiers, DSCR stress tests, and MLI Select LTV ratios. Like dealcheck.io but built for Canada.

See all 17 calculators →
MAPLE
Why Ramavasa

What is
Ramavasa?

Financial education for newcomers to Canada & anyone levelling up their Canadian finances — plain-English guides on RRSP, TFSA, mortgages, and real estate investing. Tools and blog are always free. The ebook? Start with a free preview, unlock the rest when you're ready.

12
Chapters
17
Free tools
3
Wealth stages
Maple Syrup Money
🍁
Maple Syrup Money
A Canadian Money Playbook for Newcomers, & Everyday Canadian Families
All 12 Chapters — 100% Free
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Since 2024 · Free preview · 20% to charity

A financial roadmap built for Canadian newcomers

We answer to newcomers, investors, and anyone levelling up their Canadian financial literacy. Our tools, blog, and ebook are all free — enter your email to get all 12 chapters of Maple Syrup Money.

12
Chapters
17
Free tools
20%
Proceeds to charity