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See your money clearly.

No Other Day is a community of Canadian advisors. Your numbers in plain words, a known order for your next dollar, and one person who knows your city and your goal. Answers within one business day.

Find your stepHow it works

A known order for every dollar.

Nine steps, in order. Everyone is standing on one of them today. Find yours, and that is where your next dollar goes.

  1. 01
    Take the match

    If your employer matches retirement contributions, put in enough to get all of it.

  2. 02
    Start a buffer

    Set aside $1,000 to $2,500 you can reach within a day.

  3. 03
    Protect the household

    Cover the people who depend on you before you build anything else.

  4. 04
    Clear expensive debt

    Pay the minimum on everything. Send every spare dollar to the highest interest rate first.

  5. 05
    Finish the emergency fund

    Build three to six months of essential expenses in a high-interest savings account or a cash equivalent.

  6. 06
    Fill the tax-advantaged accounts

    Use the accounts that fit your life, in the order that fits your tax rate and your goals.

  7. 07
    Decide on the mortgage

    Choose, on purpose, between extra mortgage payments and investing.

  8. 08
    Invest for the long goals

    Diversified, low cost, matched to your time horizon and your tolerance. Automated.

  9. 09
    Build and give

    With the foundation secure, direct the surplus toward what you have chosen.

See where you stand.

Four short checks you answer yourself. Each one takes your numbers and gives back a number and a date. Your answers stay in this browser until you choose to send them.

01Your step

Find the step you are on

Nine yes-or-no questions, in order. The first one that is not done is your step. Everything above it is done; everything below it can wait. Your answers stay in this browser.

  1. 01Take the match
  2. 02Start a buffer
  3. 03Protect the household
  4. 04Clear expensive debt
  5. 05Finish the emergency fund
  6. 06Fill the tax-advantaged accounts
  7. 07Decide on the mortgage
  8. 08Invest for the long goals
  9. 09Build and give
Question 1 of 9

Do you get the full employer match on your retirement contributions?

02Two numbers

Compare two choices with the same ruler

Neither answer is wrong. Not deciding is. Put your mortgage rate next to the return you expect, after tax, and see the two numbers side by side.

APay the mortgage4.90%guaranteed, after tax
BInvest the difference5.60%expected, before risk
Difference, after taxInvest, by 0.70 points, with risk
03Room

Check an account before the deposit

Over-contributing to a TFSA is penalised. Enter the year you turned 18 (or became a resident) and what you have put in, and see the room that is left. Confirm it with the CRA before you deposit.

    Room left, if the figures above are right$0.00
    04Your summary

    Take it to an advisor

    Everything you entered, on one card. Add your province and the question you want answered, then copy it or send it. Nothing leaves this page until you do.

    • Your stepNot answered yet
    • Mortgage or investNot compared yet
    • TFSA roomNot checked yet
    • Your numberNot calculated yet. Know your number
    Send it by email

    Accounts and products we work with: TFSA, RRSP, FHSA, RESP, RDSP, Non-registered, GICs, TSX index ETFs, Term life, Disability, Critical illness, High-interest savings.

    How a plan gets built.

    1. 1

      You describe your life

      Where you live, who depends on you, what is coming next. Add your statements if you want; a sentence is enough to start.

    2. 2

      We read your numbers

      Income, debts and their rates, what each account holds and what room is left. Every figure in dollars, dated.

    3. 3

      Your next dollar is placed

      The nine steps, in order, with your step marked. Above it is done; below it can wait.

    4. 4

      One advisor, one business day

      A person who knows your province, your tax and your goal. One name, one number, answers within one business day.

    5. 5

      You decide, in writing

      A one-page plan: the amount, the account, the date. No fee to you, and that is written on the plan. You can stop any time. Your money stays yours.

    Which best describes you?

    No Other Day works for different lives and different stages: a first job, a growing household, the last ten years of work. Choose the one closest to yours to see how the same nine steps apply.

    Starting out

    Take the match, start a buffer, clear the card. Three steps, in that order, on any income.

    Growing a household

    Protect the people who depend on you, then fill the accounts that fit your tax rate and your goals.

    Preparing to stop working

    Two numbers decide the mortgage. The rest is automated: every month, the same day, the same amount.

    The numbers we hold ourselves to.

    Every claim on this page can be checked. We write the date and the amount in dollars, and we say when a number is an estimate.

    1 business dayYour advisor answers within one business day. Monday to Friday, excluding statutory holidays.

    • No fee to you

      Talking to an advisor costs you nothing. That is written on the first page of every plan, and it does not change.

    • You can stop any time

      Your money stays yours. No exit charge, no notice period, no call you have to make twice.

    What members say.

    • “I asked where my next dollar should go. The answer was step four, with the interest rate and the month I would be done. Not a product.”
      PNPriya N.
      Teacher, Ottawa
    • “Our advisor put the mortgage rate after tax next to the expected return after tax. Two numbers. We decided in one evening.”
      MTMarc and Léa T.
      Longueuil, Québec
    • “Nothing to pay. I asked twice because I did not believe it. It is written on the plan, and nobody has asked me for a cent.”
      DODaniel O.
      Nurse, Calgary
    • “Nine steps. I was on the second one. That was oddly calming: I knew exactly what to do with the next $200.”
      SKSam K.
      Apprentice electrician, Halifax

    Start with one question.

    Talk to an advisor.

    One name, one number, one business day. Tell us your city and the question; the right advisor replies with the number and the date. No fee to you.

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