Settling In

Settling In Now that you're settled into your life in Canada, you may be ready to plan for future goals, such as a house, children's education, or retirement.

Managing Expenses and Debt

Life in Canada may bring new expenses. Budgeting for day-to-day and long-term expenses is easier with a little planning.

To take steps to reduce debt, click here »

Sending Money Overseas

The convenience and comfort you enjoy at TD Canada Trust extend around the world. Send money overseas in over 25 foreign currencies for your own needs when travelling or to loved ones back home.

For more about money transfers to other countries, click here »

Buying a Home

Buying a home is exciting but you’ll have many new decisions to make. Our Mortgage Specialists can work with you to help you decide on a mortgage that’s right for your needs.

For home buying information, click here »

Buying a Car

A car may be the second-biggest purchase you ever make. Get the facts not just about makes and models, but about financing, too.

To learn about car buying, click here »

Save Money

Saving for Retirement

Save for retirement and save on taxes every year by contributing to a Retirement Savings Plan (RSP). You can even use RSP savings to buy your first home.

For more on retirement savings, click here »

Saving for Children’s Education

A Registered Education Savings Plan (RESP) helps you save for higher education—an important part of life in Canada. The Government of Canada will contribute to your children’s RESPs, too.

To learn more about educational savings, click here »

Saving for Emergencies

Part of life in Canada means being ready for unexpected expenses, such as home or car repairs. Explore a number of accounts that earn competitive rates of interest and provide ready access to your savings.

For more on emergency savings, click here »

A plan that helps Canadians save money for retirement. As long as the money remains in a registered RSP, any growth remains tax-deferred. RSPs may include a wide variety of investment options, ranging from a basic savings account to a highly complex investment portfolio.

A savings or investment account that allows money to be set aside for a child’s post-secondary education and that may grow, tax-deferred. RESPs can hold different types of investments, such as GICs, equities and mutual funds. Contributions to an RESP entitle the child (known as the “beneficiary”) to also receive funds from the federal government in the form of a Canada Education Savings Grant (CESG).