Money notes for Canadians.

Short videos and written notes on taxes, credit, TFSAs, RRSPs, FHSAs and the fine print. Calm, exact, and sourced to the CRA, the FCAC and the terms themselves.

12 notes · every figure dated and linked to its source

TFSA room, 2009 to 2026

$109,000

If eligible every year since 2009 and never contributed.

2026 TFSA limit
$7,000
2027 TFSA limit
Not yet announced
RRSP deadline, 2026 year
Mar 1, 2027
Filing deadline
Apr 30, 2027
Source: Canada Revenue Agency, checked Oct 31, 2026. Noted.

Latest notes

Recently written down

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Everyday money

A budget that survives the second month

Most budgets fail on irregular expenses, not willpower. A four-part structure that holds up in real life.

· 3 min read

Saving & investing

An emergency fund, sized and placed

How much to keep, where to keep it, and why it comes before almost every other money goal.

· 3 min read

Saving & investing

The FHSA, explained in one sitting

Deductible going in, tax-free coming out for a first home. The rules that matter, and the one reason to open it early even with $0.

· 3 min read

Taxes

Key dates for the 2027 tax season

From December 31 to June 15: every date that matters for your 2026 return, and the ones the CRA hasn't announced yet.

· 3 min read

What Carnet is

A notebook, not a sales pitch.

Short videos

Sixty seconds on one rule, one deadline or one clause, on TikTok, YouTube Shorts, Instagram and Facebook as @carnetca.

Written notes

Every video points to a note here with the full numbers, worked examples and the date it was last checked.

Official sources

Figures come from canada.ca, the CRA, the FCAC and providers' published terms. If something is a projection, we say so.

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Disclosure: Carnet may earn a commission when you use some of these links. Links are placeholders until each program approves Carnet. How we disclose.

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Cashback portal

Rakuten.ca

Cash back on purchases at partner retailers when you start from Rakuten.ca or its app. Paid quarterly by Interac e-Transfer, cheque or PayPal.

Check before you sign up

  • Store-specific exclusions (gift cards, some categories)
  • Coupon codes not listed by Rakuten can void cashback
  • $5.01 minimum before a payment is sent

Program: Rakuten Canada · Affiliate link

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Online brokerage

Questrade

A Canadian online broker offering self-directed and managed investing in registered (TFSA, RRSP, FHSA) and non-registered accounts.

Check before you sign up

  • Trading, account and foreign-exchange fees on the current fee schedule
  • Bonus conditions and holding periods, if any
  • Which account types the offer applies to

Program: impact.com · Affiliate link

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Investing app

Wealthsimple

An app for self-directed trading, managed portfolios and a cash account, including TFSA, RRSP and FHSA options.

Check before you sign up

  • Plan tiers and what each one charges
  • Currency-conversion costs on U.S. trades
  • Terms of any referral or transfer bonus

Program: impact.com · Affiliate link