Smart Tools Hub

Once you've budgeted, don't forget your tax refund. Many newcomers get money back on their first return — it's income you've already budgeted around. Wealthsimple Tax files it for free, and our first tax return guide walks you through it.

Partner link — we may earn a small commission, at no cost to you. The tax filing itself is free.

Actually sending this money? A converter shows the real mid-market rate — but your bank usually won't give it to you, hiding 3–5% in the exchange rate. If you're sending money home, a specialist like Wise gets you close to this rate with a small, visible fee. Here's the honest breakdown in our send money home guide.

Partner link — we may earn a small commission, at no cost to you. We only suggest it because it's genuinely the cheapest honest option for most corridors.