🇨🇦 Built for newcomers to Canada

The trusted advisor
I couldn't afford.

Most newcomers lose $8,000 of tax-advantaged FHSA room in their first year — and the $2,000+ in tax savings that comes with it. Arrive Finance tells you exactly which accounts to open, in what order, before the deadline — for $20/month instead of $150/hr.

Get my free plan → See how it works

✅

FHSA opened

$8,000 room secured

Your Arrive Score

Updated today

out of 100 · 4 areas reviewed

TFSA

$7,000 room available

$7,000

FHSA

Open · $8,000 room

$8,000

RRSP

Available after first tax return

$0 now

⚠️

Invest your TFSA room before Dec 31 — sitting in cash loses ~5% annually vs. XEQT.

💰

$2,800 saved

FHSA tax deduction · 35% rate

Who it's for

Built for every newcomer,
not just permanent residents.

Whether you just landed with a PR card or you've been studying here for two years — the Canadian financial system has accounts waiting for you.

🏠

Permanent Resident

Just got PR. Savings sitting in a savings account.

You saved aggressively before immigrating. Now $80K is sitting in a high-interest savings account while you try to figure out RRSP vs TFSA vs FHSA — and you have no idea you're about to miss the Dec 31 FHSA deadline.

FHSA deadline: Dec 31 of your first eligible year. Urgent.

RRSP room: $0 in year 1. Opens after your first tax return.

TFSA: $7,000 this year. Open it today.

🎓

International Student

Two years in Canada. Zero accounts. "I thought I needed PR."

You don't need to be a permanent resident to open a TFSA or FHSA. If you've been in Canada for 2 years, you have $14,000 in TFSA room sitting unused. Most students don't know this — that's the mistake Arrive Finance prevents.

TFSA: Eligible from day 1 as a Canadian resident. Not PR-only.

FHSA: Also eligible if you're a resident + first-time buyer.

RRSP: $0 until you file a Canadian tax return with earned income.

💼

Work Permit Holder

PGWP. Employed. No idea what to do with the paycheque.

You graduated, got a PGWP, and you're earning a real salary now. But your employer's payroll system deducted taxes and you have no RRSP to put them in — because no one told you about the year-1 rule. Arrive Finance explains exactly what's available to you right now.

TFSA: Eligible. Open it now and invest your savings.

FHSA: Eligible if first-time buyer. Dec 31 deadline applies.

RRSP: 18% of last year's Canadian income — check your room.

🎓 Student scenario

You've been in Canada 2 years. You have $14,000 in unused room.

International students are Canadian residents for tax purposes. That means the TFSA accumulates from your first year of residency — whether or not you have a PR card. Most students leave thousands in tax-free room untouched because no one told them they were eligible.

See what you're missing →

📅

Arrived September 2024 on a study permit → You have $7,000 in 2024 TFSA room + $7,000 in 2025 = $14,000 available today

🏡

Planning to stay in Canada long-term? Open your FHSA now — even as a student. If you didn't open one by Dec 31, 2024, that year's $8,000 of room is gone forever. Your 2026 $8,000 expires Dec 31, 2026 — same rule.

💼

Working part-time on campus? That income generates RRSP room — 18% of your Canadian earned income. Small but real, and it accumulates.

🔄

Getting PR through PGWP → CEC? Your FHSA clock started the year you became a Canadian resident — not the year you got PR. Don't wait.

How it works

From "I have savings and no idea what to do"
to a personalized plan in 5 minutes.

📋

Tell us about yourself

Arrival date, immigration status, income, savings, and home-buying plans. Our 7-step wizard covers the questions a financial advisor would ask — in plain English (or हिंदी).

🧠

We calculate your exact situation

Our rules engine handles RRSP year-1 edge cases, TFSA room from your residency date, FHSA eligibility for students and PR holders, and the Dec 31 deadline — correctly, every time.

📊

Get your plan and track it

A personalized account plan with exact steps. Then the Pro dashboard shows your financial health, Arrive Score, and AI advisor recommendations as you execute.

What you get

Everything. Not a watered-down version.

🧭

Onboarding Wizard

RRSP/TFSA/FHSA calculator with newcomer-specific rules. Handles students, work permit holders, and permanent residents correctly. See exactly how much tax you save on every contribution — up to $2,400/year just from FHSA.

✓ Free forever · 10 languages

💳

Financial Health Dashboard

All your accounts in one place. Net worth trajectory. Goal tracking for home purchase, RESP, and retirement. Arrive Score — how you compare to newcomers like you.

Pro · $20/mo

🤖

AI Advisor

Personalized recommendations based on your actual accounts and goals. Portfolio analysis vs. the TSX benchmark. Action Center with prioritized next steps.

Pro · $20/mo

🏦

Account Aggregation

Connect your RBC, TD, Scotiabank, BMO accounts and see everything in one view. Your net worth, updated daily.

Coming soon

⚡

Investment Execution

One-tap guidance to buy popular index ETFs like XEQT, VGRO, or ZGRO in your Wealthsimple account — the funds newcomers commonly hold for long-term registered-account growth.

Coming soon

👤

Advisor Directory

Find a CFP who speaks Hindi, Punjabi, Mandarin, or Tagalog and understands the newcomer financial situation. When you need a human, we connect you to the right one.

Coming soon

Tax Advantage

Every dollar in the right account
saves you 20–40% in tax.

RRSP, TFSA, and FHSA are Canada's three superpower accounts. Most newcomers don't know how to compare them — or that the FHSA gives you the deduction and the tax-free withdrawal.

TFSA — Tax-Free Savings

Growth is 100% tax-free

Contribute after-tax dollars. Everything that grows and everything you withdraw — all tax-free, forever.

$7,000/year × 25 years at 7%

≈ $443,000 tax-free

FHSA — First Home

Best of both worlds

Deductible going in (like RRSP), tax-free coming out (like TFSA). The most powerful account Canada offers — but you must open it by Dec 31.

$8,000 deducted at 30% marginal rate

$2,400 tax refund — year 1

RRSP — Retirement

Tax deduction now

Reduce your taxable income today. Pay tax later when you withdraw — typically at a lower retirement-age rate. Year 1 = $0 for newcomers; unlocks after first tax return.

$10,000 contributed at 30% rate

$3,000 tax refund

Pricing

Start free. Upgrade when you're ready.

The onboarding wizard and your personalized plan are always free. Pro is for users who want the full financial health picture and AI guidance.

Free

/month

Everything you need to open the right accounts before the deadline.

✓

7-step onboarding wizard

✓

RRSP / TFSA / FHSA calculator

✓

Personalized account plan

✓

FHSA deadline reminder

✓

English + हिंदी (8 more languages rolling out)

Get my free plan →

The trusted advisorI couldn't afford.

Built for every newcomer,not just permanent residents.

You've been in Canada 2 years. You have $14,000 in unused room.

From "I have savings and no idea what to do"to a personalized plan in 5 minutes.

Everything. Not a watered-down version.

Every dollar in the right accountsaves you 20–40% in tax.

Start free. Upgrade when you're ready.

Your FHSA deadline isDecember 31, 2026.

The trusted advisor
I couldn't afford.

Built for every newcomer,
not just permanent residents.

From "I have savings and no idea what to do"
to a personalized plan in 5 minutes.

Every dollar in the right account
saves you 20–40% in tax.

Your FHSA deadline is
December 31, 2026.