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Charted Money
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CanadaThe complete personal finance course

Your money, charted.

A self-paced course that takes you from your next payday to a long-term plan. Understand every money decision, practise with real numbers, and finish with a financial plan that's yours.

Enroll now Read a free lesson
  • Lifetime access
  • Pay over time with Affirm or Klarna
  • AI tutor included
modules
12modules
lessons
60lessons
practice checks
180practice checks
decision scenarios
37decision scenarios
planning tools
6planning tools
cited sources
131cited sources

Why Charted Money

Not tips. A complete system for your money.

Most money content is generic, American or quietly selling something. Charted Money is a structured course built for Canadians, with nothing to sell you but the course itself.

Made for Canada

TFSAs, RRSPs, FHSAs and RESPs. Filing with the CRA, benefits, and Canadian credit reports. Every example uses Canadian rules and dollars.

Practice, not just reading

Every lesson ends with an exercise and three checks with explanations. You mark a lesson complete when you can show you understand it.

Fully independent

We don't sell financial products, take commissions or recommend providers. Our only job is to make you a sharper decision-maker.

Sourced and dated

Lessons cite 131 official and primary sources, from the Financial Consumer Agency of Canada to the CRA, each with a review date.

How it works

Understand. Practise. Plan.

Each lesson takes one real decision, explains it with a worked Canadian example, and turns it into something you keep.

  1. 01

    Understand

    Focused lessons explain one decision at a time: what the numbers mean, what changes the answer, and what to ask before you commit.

    60 lessons · about 7 hours of reading

  2. 02

    Practise

    Answer checks with explanations, work through decision scenarios, and run your own numbers in six planning tools.

    180 checks · 37 scenarios · 6 tools

  3. 03

    Plan

    Every module adds to your personal plan. By the end you have a complete, dated plan you can download, print and keep using.

    12 workbooks · 1 complete plan

The curriculum

Twelve modules. One complete plan.

From your starting picture to investing and major decisions. Follow the full sequence or choose a learning path that matches your priorities.

See every lesson
  1. Module 01

    Understand your money

    Create a useful starting picture and choose priorities.

    You'll build: Your starting financial picture

  2. Module 02

    Build a budget that works

    Connect monthly affordability to the timing of actual money.

    You'll build: Your budget and next-payday plan

  3. Module 03

    Get more from your income

    Understand take-home resources and evaluate income changes.

    You'll build: Your income opportunities plan

  4. Module 04

    Master banking and everyday spending

    Build an everyday money system that fits actual use.

    You'll build: Your banking and expense review

  5. Module 05

    Understand and build credit

    Read a credit file and choose evidence-based next steps.

    You'll build: Your credit understanding plan

  6. Module 06

    Understand the true cost of borrowing

    Compare borrowing options on consistent assumptions.

    You'll build: Your borrowing decision worksheet

  7. Module 07

    Take control of debt

    Organize obligations and compare realistic repayment paths.

    You'll build: Your debt action plan

  8. Module 08

    Build financial resilience

    Plan separately for expected costs and financial shocks.

    You'll build: Your reserves and contingency plan

  9. Module 09

    Understand Canadian taxes and benefits

    Know what to gather, check, and ask about taxes and benefits.

    You'll build: Your tax and benefits checklist

  10. Module 10

    Start investing with confidence

    Understand investments and compare decisions with explicit assumptions.

    You'll build: Your investing preparation plan

  11. Module 11

    Make major financial decisions

    Evaluate large commitments using full costs and alternatives.

    You'll build: Your major-decision toolkit

  12. Module 12

    Build your long-term financial plan

    Assemble a coherent plan and a repeatable review process.

    You'll build: Your complete personal financial plan

Planning tools

Six tools that make the numbers concrete.

Plug in your own figures and see what changes. Your inputs save to your account, and the results flow into your personal plan.

Monthly picture

Give every dollar of this month a job, and compare it with your annual average.

Payday calendar

Put bills and deposits on a calendar to find a shortfall before it happens.

Upcoming costs and review

Plan for a known future cost and set your next action and review date.

Borrowing comparison

Compare two loan offers on payment, interest, fees and total cost.

Debt repayment

Compare highest-interest-first and smallest-balance-first payoff paths.

Investing illustration

See how time, contributions, fees and inflation change an illustration.

AI tutor included

A tutor that has read every lesson.

Stuck on a concept, or wondering how a lesson applies to you? Ask anytime. The tutor answers from the course material, points you to the right lesson and helps you reason through decisions, without selling you anything.

  • Knows all 60 lessons
  • Explains with worked examples
  • Helps you think it through
  • Private to your account

What you'll finish with

A plan that's yours, built one decision at a time.

Each module ends with something concrete. Together they become a complete personal financial plan, with your assumptions and next steps written down.

  1. Your starting financial picture
  2. Your budget and next-payday plan
  3. Your income opportunities plan
  4. Your banking and expense review
  5. Your credit understanding plan
  6. Your borrowing decision worksheet
  7. Your debt action plan
  8. Your reserves and contingency plan
  9. Your tax and benefits checklist
  10. Your investing preparation plan
  11. Your major-decision toolkit
  12. Your complete personal financial plan

Try before you enroll

Read three full lessons, free.

No account needed. Each sample is a complete lesson with its exercise and practice checks, exactly as it appears in the course.

Lesson 01.1 · Understand your money

Start with your financial picture

Distinguish income, accessible cash, assets, and debt.

Read the lesson Lesson 06.3 · Understand the true cost of borrowing

Compare term and payment

Evaluate a smaller payment against a longer total repayment period.

Read the lesson Lesson 10.4 · Start investing with confidence

Explore compounding, fees, and inflation

Interpret hypothetical growth under multiple assumptions.

Read the lesson

Pricing

One price. Lifetime access.

No subscription. Enroll once and keep the course, your tools and your plan for as long as you want them.

Pay your way
Pay in full by card, Apple Pay or Google Pay, or apply to pay over time with Affirm or Klarna at checkout.
Start immediately
Your account is ready the moment payment is confirmed. Sign in with your email; no password needed.
Learn on any device
Your progress, workbook entries and tool inputs save automatically and follow you between devices.
Questions first?
Ask the assistant in the corner, read a free lesson, or email us. We are happy to help.

The Complete Course

Lifetime access

$2,500CAD, one-time

Pay in full, or over time with Affirm or Klarna.

Enroll now
  • 12 modules and 60 in-depth lessons
  • 180 practice checks with explanations
  • 12 workbooks and 37 decision scenarios
  • 6 planning tools that save as you go
  • An AI tutor that knows every lesson
  • A complete personal plan to download or print
  • Learning paths that match your priorities
  • Lifetime access on any device

Secure checkout by Stripe

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  • Amex
  • Apple Pay
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  • Affirm
  • Klarna

Affirm and Klarna are subject to their approval. Terms are shown at checkout.

FAQ

Questions, answered.

Can't find what you need? or contact us.

Who is Charted Money for?
Canadian adults who want to understand and organize their money, from the next payday to long-term plans. It works for beginners and for people who know the basics but want a complete, practical system they can actually follow.
How is this different from free content online?
Free content is scattered, often American and frequently selling something. Charted Money is one complete sequence built for Canada: 60 lessons that build on each other, practice checks with explanations, 37 decision scenarios, planning tools and a personal plan that comes together as you go. It's independent, and every lesson cites official sources.
How long does it take?
There are about 7 hours of focused reading, plus the exercises, workbooks and tools. It's completely self-paced. At one module a week, you'd finish in about three months, and you can always come back to any lesson.
Is this financial advice?
No. Charted Money is education. It teaches you how to understand options, run the numbers and make your own decisions. It doesn't recommend specific products and doesn't replace a qualified professional for complex situations. Read the educational disclaimer.
Can I pay over time?
Yes. At checkout you can pay $2,500 CAD in full by card, Apple Pay or Google Pay, or apply to pay over time with Affirm or Klarna. Approval and terms come from those providers and are shown before you confirm.
How long do I have access?
Lifetime access. Your progress, workbook entries and tool inputs are saved to your account, and you can return whenever your situation changes.
How does the AI tutor work?
The tutor is built into every lesson. It answers from the course material, points you to the right lesson, explains with worked examples and helps you reason through decisions. Like any AI, it can make mistakes, so it encourages you to verify important details with official sources.
Do you sell financial products or earn commissions?
No. We don't sell, rank or recommend financial products, and we don't take referral fees. The course is the only thing we sell.
How do I sign in?
With your email. There's no password: we send a secure sign-in link and a six-digit code. Your account works on any device with a modern browser.
Is my information private?
Yes. Your workbook entries and tool inputs are private to your account, and we never sell personal information. Payments are processed by Stripe, so we never see your full card number. The Privacy Policy has the details, or write to support@chartedmoney.com.

Know where your money is going, and where you're taking it.

Start today. Module 1 is about 25 minutes of reading, plus practice.

Enroll now Read a free lesson