01 · Settle
Know what to do first
Follow arrival steps in a sensible order, from documents to a Social Insurance Number, and tick them off as you go.
Your progress stays in this browser.
Settlement checklist
PreviewClarity for your next chapter.
A clearer path to your new life in Canada
Plan your budget, explore benefit estimates and organize your next steps in Canada—with clear assumptions, at your own pace.
Beta · Free, no account needed. Educational estimates only — not financial, tax or immigration advice.
HOW IT WORKS
One plan, three chapters
02 · Plan
See taxes and benefits together
Enter your household, province and income to see educational estimates, with the conditions and sources behind each line.
Missing inputs are flagged, never treated as zero.
Guided calculator
Preview03 · Grow
Understand saving room
Learn how registered accounts work for newcomers and where contribution room starts, using official sources.
Education only, not investment advice.
Saving & investing
PreviewSettlement checklist
PreviewSmall tools, one clear picture
YOUR NEXT CHAPTER
A plan that starts with you.
Estimate your finances, build a settlement budget and organize your next steps. Your profile and checklist progress stay in this browser on this device.
- Your household, province and arrival plans
- Income, benefits and settlement estimates
- A checklist for the steps ahead
CARVED PlusComing soon
See further. Plan with confidence.
Plan twelve months around setup costs, income timing and childcare. Compare changes, track actual spending and keep the next three actions in view. Try the local review; account saving is test-only.
Explore Plus features
What’s available—and what’s next
Free tools stay free. “Local review” is a working draft on this device; account saving is test-only. Commercial Plus remains planned. Conditions, assumptions, limitations and official sources stay free.
Available now
Free tools
Estimate your finances, build a settlement budget and organize your next steps. Your profile and checklist progress stay in this browser on this device.
Build my free planPlanned subscription · Coming soon
CARVED Plus
Plan twelve months around setup costs, income timing and childcare. Compare changes, track actual spending and keep the next three actions in view. Try the local review; account saving is test-only.
Explore Plus features| Feature | Free tools | CARVED Plus |
|---|---|---|
| Initial household assessment | Available now Basic budget, estimates and one starting scenario; no account | Available now Same honest estimates and sources remain free |
| Benefit conditions & official information | Available now Conditions, limitations, assumptions and official links | Local review Guided questions for supported situations, with sources; no automatic eligibility decisions |
| General settlement steps & investment education | Available now Roadmap, room tools and device-local profile/progress | Available now No membership needed for essential information |
| Personal twelve-month forecast | Not included Initial estimates remain available | Local review Calendar months, up to two earners with their own start dates, delayed benefits, scheduled rent/childcare changes and funding gaps |
| Scenarios for job, rent & childcare changes | Available now Basic scenario and existing estimate tools | Local review Named separate plans; compare chosen changes |
| Monthly follow-up & shortfall alerts | Not included No ongoing personal workflow | Local review Actual versus planned; original baseline preserved; in-app only |
| Next three actions & document preparation | Available now General steps and critical eligibility conditions | Local review Profile-based actions, chosen dates, task dependencies; no uploads |
| Save personal plans to your account | Not included No free online saving | Test only Explicit save with verified test access; registration is not membership |
Start from the stage you're in.
First weeks
Illustrative example- Gather documents for arrival
- Choose a phone plan for landing day
- Apply for a Social Insurance Number
- Register for provincial health coverage
- Open a Canadian bank account
Where are you now?
Start from the stage you're in.
- 01
Before arrival
Estimate a landing fund, compare cities and prepare documents before you travel.
- 02
First weeks
Work through SIN, health coverage, banking and phone — in a sensible order.
- 03
Settling in
Track benefit deadlines, file a first return and start saving with the right accounts.
Featured tool
Know what your household keeps each month.
Estimate income tax, payroll deductions, child benefits and childcare costs for your province, with sources for every rule.
- Saving & investingCompare TFSA, RRSP, FHSA and RESP, and track contribution room you've confirmed with the CRA.
- Settlement roadmapA staged list of arrival tasks you can tick off as you go.
- Eligibility & deadlinesSee which programs may apply to your household and when to act.
- Monthly trackingCompare your plan with what actually happens, month by month.
Services guide
Find the help you're entitled to first.
Free government-funded and non-profit services, with no paid placements. Nothing here changes your estimates.
- 01Settlement agencies
- 02Language classes
- 03Libraries & recreation
- 04Banking & money transfer
- 05Phone & connectivity
- 06Temporary housing