CanPay Insights is free to use. To help cover its costs, we sometimes include referral links to services we think are genuinely useful for Canadians — currently Wealthsimple's invite program.

When you click one of these clearly labelled links and then open an account, CanPay Insights may receive a sign-up bonus or referral fee, at no additional cost to you. We mark these links as a "paid referral link" right where they appear, so you always know.

It never affects our numbers

Referral compensation never influences our calculator, our tax figures, our rankings, or what we recommend. The numbers come from a transparent calculation engine built on published Canada Revenue Agency, Revenu Québec, and provincial rates — not from anyone who pays us. If we mention a tool, it is because we believe it is a reasonable option, not because of a referral.

Disclosure standards

We disclose these material connections in line with the U.S. FTC Endorsement Guides (16 CFR Part 255) and Canada's Competition Act and Ad Standards influencer-disclosure guidelines. The calculator is, and remains, free.

Questions about this disclosure? Email us at info@canpayinsights.ca.