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your money.
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.
4% groceries · 2% gas · best for your spend
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.
Value & transfer points across programs.
Net pay by region, marginal & average rates.
Project income and reinvested growth.
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 — 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.
Get the nerd treatment: clear answers, real numbers, zero jargon.
No spam. Just the occasional rate alert & nerdy money breakdown.