# WealthScale

> Compare. Choose. Grow.


## Pages

- [Best Brokers for Dividend Investing in Canada](https://wealthscale.ca/compare/best-brokers-for-dividend-investing/): The best broker for dividend investing Canada investors can choose in 2026, on our overall score among brokers that publish a dividend reinvestment plan (DRIP), is Questrade at 4.3 / 5.
- [CIPF vs CDIC](https://wealthscale.ca/learn/cipf-vs-cdic/): CIPF vs CDIC comes down to what you hold and who holds it.
- [Investment Fee Calculator](https://wealthscale.ca/calculators/investment-fee-calculator/): Our investment fee calculator adds up what your broker, robo-advisor and funds cost you each year, using the published prices of 13 Canadian online brokers and 4 robo-advisors as of October 22, 2026.
- [FHSA vs TFSA for a Down Payment](https://wealthscale.ca/vs/fhsa-vs-tfsa/): FHSA vs TFSA for a down payment comes down to a tax deduction versus flexibility.
- [TFSA vs RRSP](https://wealthscale.ca/vs/tfsa-vs-rrsp/): The TFSA vs RRSP choice comes down to one test: compare your tax rate today with the rate you expect when you take the money out.
- [Best USD Savings Accounts](https://wealthscale.ca/savings/usd-savings-accounts/): The best USD savings account Canada banks publish on October 22, 2026 is the EQ Bank US Dollar Account at 2.50%, with no everyday banking fees.
- [Questrade vs Interactive Brokers](https://wealthscale.ca/vs/questrade-vs-interactive-brokers/): Questrade vs Interactive Brokers is a contest between $0 trades and low prices on everything else.
- [FHSA vs RRSP Home Buyers' Plan](https://wealthscale.ca/vs/fhsa-vs-rrsp/): FHSA vs RRSP comes down to one difference for a first home: both give you a tax deduction when you contribute, but money taken from an FHSA for a qualifying home is tax-free and never repaid, while money taken from an RRSP under the Home Buyers' Plan has to be paid back over 15 years.
- [Interactive Brokers Canada Review](https://wealthscale.ca/reviews/interactive-brokers/): This Interactive Brokers Canada review finds the top-scoring broker of the 13 we rate, at 4.4 / 5.
- [moomoo Canada Review](https://wealthscale.ca/reviews/moomoo/): This moomoo Canada review finds an app-based broker with per-share pricing: CA$0.0149 a share with a CA$1.49 minimum on Canadian stocks and ETFs, and US$0.0099 a share with a US$1.99 minimum on US stocks and ETFs.
- [Webull Canada Review](https://wealthscale.ca/reviews/webull/): This Webull Canada review finds an app-based broker with $0 commission on Canadian and US stocks and ETFs, but with costs that remain: a 1.5% currency conversion markup, a $0.70 monthly administration fee on each account, US$0.99 per options contract and up to $150 to transfer out.
- [RBC Direct Investing Review](https://wealthscale.ca/reviews/rbc-direct-investing/): This RBC Direct Investing review finds a bank-owned broker with a full account lineup, no maintenance fee at any balance and standard commissions of $9.95 a trade.
- [Questrade Review](https://wealthscale.ca/reviews/questrade/): This Questrade review finds a broker that charges $0 commission on Canadian and US stocks and ETFs, lets you hold US dollars in registered accounts at no extra cost, and offers every one of the 10 account types we count.
- [TD Direct Investing Review](https://wealthscale.ca/reviews/td-direct-investing/): This TD Direct Investing review finds a bank-owned broker with a full set of trading platforms and standard commissions of $9.99 a trade, plus TD Easy Trade, an app that gives each client 100 $0 stock and ETF trades a calendar year before $9.99 applies.
- [Best Chequing Accounts in Canada](https://wealthscale.ca/banking/best-chequing-accounts/): The best chequing account Canada offers in 2026, on our published score, is the EQ Bank Personal Account at 4.6 / 5: it charges no monthly fee, pays 1.00% on every dollar, and pays 2.75% when your pay is direct deposited (rates effective May 15, 2026).
- [Best High-Interest Savings Accounts](https://wealthscale.ca/savings/high-interest-savings-accounts/): The best high interest savings account Canada savers can open with no monthly fee pays 2.85% as of October 22, 2026: the Saven Financial HISA, insured by DICO up to $250,000 as Saven states.
- [Best No-Fee Chequing Accounts in Canada](https://wealthscale.ca/banking/best-no-fee-chequing-accounts/): The best no fee chequing account in Canada for 2026 is the EQ Bank Personal Account, which scores 4.6 / 5 on our published rubric, charges $0 a month with no minimum balance, and pays 2.75% when your pay is direct deposited (1.00% without).
- [Qtrade Direct Investing Review](https://wealthscale.ca/reviews/qtrade/): This Qtrade review finds a broker that charges $0 commission on online Canadian and US stock and ETF trades, $0.75 per options contract and no quarterly administration fee, across one of the widest account lineups in Canada.
- [Wealthsimple vs Interactive Brokers](https://wealthscale.ca/vs/wealthsimple-vs-interactive-brokers/): WealthScale is independent and not affiliated with Wealthsimple.
- [Wealthsimple Credit Card Review: Visa Infinite+](https://wealthscale.ca/reviews/wealthsimple/visa-infinite-card/): WealthScale is independent and not affiliated with Wealthsimple.
- [Wealthsimple vs EQ Bank](https://wealthscale.ca/vs/wealthsimple-vs-eq-bank/): WealthScale is independent and not affiliated with Wealthsimple.
- [Transfer an Investment Account](https://wealthscale.ca/learn/transfer-investment-account/): How to transfer investment account holdings in Canada comes down to one rule: ask the institution you are moving to for a direct transfer, and never withdraw the money and deposit it yourself.
- [Wealthsimple Chequing Review](https://wealthscale.ca/reviews/wealthsimple/chequing/): WealthScale is independent and not affiliated with Wealthsimple.
- [Wealthsimple Crypto Review](https://wealthscale.ca/reviews/wealthsimple/crypto/): WealthScale is independent and not affiliated with Wealthsimple.
- [Wealthsimple TFSA Review](https://wealthscale.ca/reviews/wealthsimple/tfsa/): WealthScale is independent and not affiliated with Wealthsimple.
- [Wealthsimple Core vs Premium vs Generation](https://wealthscale.ca/reviews/wealthsimple/membership-tiers/): WealthScale is independent and not affiliated with Wealthsimple.
- [Wealthsimple USD Accounts Review](https://wealthscale.ca/reviews/wealthsimple/usd-accounts/): WealthScale is independent and not affiliated with Wealthsimple.
- [Wealthsimple Tax Review](https://wealthscale.ca/reviews/wealthsimple/tax/): WealthScale is independent and not affiliated with Wealthsimple.
- [Wealthsimple vs Questrade](https://wealthscale.ca/vs/wealthsimple-vs-questrade/): WealthScale is independent and not affiliated with Wealthsimple.
- [Wealthsimple vs moomoo](https://wealthscale.ca/vs/wealthsimple-vs-moomoo/): WealthScale is independent and not affiliated with Wealthsimple.
- [CPP and OAS Payment Dates](https://wealthscale.ca/benefits/cpp-oas-payment-dates/): The CPP payment dates 2026 calendar has 12 deposits, and the next one is Wednesday, October 28, 2026, followed by November 26 and December 22.
- [Wealthsimple FHSA Review](https://wealthscale.ca/reviews/wealthsimple/fhsa/): WealthScale is independent and not affiliated with Wealthsimple.
- [Wealthsimple Fees](https://wealthscale.ca/reviews/wealthsimple/fees/): WealthScale is independent and not affiliated with Wealthsimple.
- [Best RRIF Accounts in Canada](https://wealthscale.ca/compare/best-rrif-accounts/): The best RRIF account in Canada, on our published score, is the Questrade RRIF at 4.3 / 5, followed closely by Desjardins Online Brokerage (also 4.3 / 5), then Interactive Brokers Canada, Wealthsimple and National Bank Direct Brokerage at 4.2 / 5.
- [Best Tax Software in Canada](https://wealthscale.ca/compare/best-tax-software/): The best tax software Canada filers can use for the 2025 tax year, on our published tax software score, is Wealthsimple Tax at 4.8 / 5.
- [Wealthsimple Review](https://wealthscale.ca/reviews/wealthsimple/): WealthScale is independent and not affiliated with Wealthsimple.
- [Best Self-Directed RESP Accounts](https://wealthscale.ca/compare/best-self-directed-resp/): The best self directed RESP account in Canada, on our published score, is Questrade at 4.0 / 5, just ahead of Wealthsimple (also 4.0 / 5), with Desjardins Online Brokerage third at 3.9 / 5.
- [Best LIRA Accounts in Canada](https://wealthscale.ca/compare/best-lira-accounts/): The best LIRA account in Canada, on our published score, is the Questrade LIRA at 4.0 / 5, followed by Wealthsimple (also 4.0 / 5) and Desjardins Online Brokerage at 3.9 / 5.
- [Wealthsimple Managed Investing Review](https://wealthscale.ca/reviews/wealthsimple/managed-investing/): WealthScale is independent and not affiliated with Wealthsimple.
- [Is Wealthsimple Safe?](https://wealthscale.ca/reviews/wealthsimple/is-wealthsimple-safe/): WealthScale is independent and not affiliated with Wealthsimple.
- [Wealthsimple Trade Review](https://wealthscale.ca/reviews/wealthsimple/trade/): WealthScale is independent and not affiliated with Wealthsimple.
- [Best FHSA Accounts in Canada](https://wealthscale.ca/compare/best-fhsa-accounts/): The best FHSA account Canada first-time buyers can open in 2026, on our published score, is Questrade at 4.3 / 5, with $0 stock and ETF commissions and no FHSA account fee.
- [Best RESP Providers in Canada](https://wealthscale.ca/compare/best-resp-providers/): The best RESP providers Canada families can choose in 2026, on our published score, are Questrade and Desjardins Online Brokerage at 4.3 / 5, with Wealthsimple third at 4.2 / 5.
- [Best Crypto Exchanges and Platforms in Canada](https://wealthscale.ca/compare/best-crypto-platforms/): The best crypto exchange Canada investors can use in 2026, on our published score, is Wealthsimple Crypto at 4.6 / 5: it lists 170+ coins, offers staking on four of them and charges a flat 0.5% plus a spread on market orders.
- [Best Commission-Free Trading Platforms in Canada](https://wealthscale.ca/compare/best-commission-free-brokers/): Commission free trading Canada investors can use in 2026 comes from seven brokers that charge $0 on online Canadian and US stocks and ETFs: Questrade, Desjardins Online Brokerage, Wealthsimple, National Bank Direct Brokerage, Qtrade, BMO InvestorLine and Webull.
- [Lowest Margin Rates in Canada](https://wealthscale.ca/compare/best-margin-accounts/): The lowest margin rates Canada brokers publish in October 2026 start at 3.675% at Interactive Brokers Canada, on balances up to CAD 130,000.
- [Best TFSA Accounts for US Stocks](https://wealthscale.ca/compare/best-tfsa-for-us-stocks/): The best TFSA account for US stocks, on our US-stocks score, is at Desjardins Online Brokerage (Disnat) or Questrade, which tie at 4.6 / 5.
- [Best Robo-Advisors in Canada](https://wealthscale.ca/compare/best-robo-advisors/): The best robo advisor Canada offers in 2026, on our published score, is Wealthsimple Managed Investing at 4.2 / 5: no minimum is stated, the fee is 0.5% a year (0.4% from $100,000), and it offers four portfolio families.
- [Best Online Brokers in Canada](https://wealthscale.ca/compare/best-online-brokers/): The best online brokerage Canada investors can open in 2026, on our published score, is Questrade at 4.3 / 5.
- [Best Options Trading Platforms in Canada](https://wealthscale.ca/compare/best-options-trading-platforms/): The best options trading platform Canada investors can use in 2026, on our published options score, is Interactive Brokers Canada at 4.6 / 5.
- [Best Brokers for US Stocks in Canada](https://wealthscale.ca/compare/best-brokers-for-us-stocks/): The best broker for US stocks Canada investors can choose in 2026, on our US-stocks score, is Desjardins Online Brokerage (Disnat) at 4.6 / 5, in an exact tie with Questrade at 4.6 / 5; our tie rule lists the pair by name.
- [Best Online Brokers for Beginners in Canada](https://wealthscale.ca/compare/best-brokers-for-beginners/): The best brokerage for beginners Canada investors can open in 2026, on our beginner score, is Wealthsimple at 4.5 / 5.
- [Best Investing Apps in Canada](https://wealthscale.ca/compare/best-investing-apps/): The best investing app Canada offers in 2026, on our beginner-weighted score, is Wealthsimple at 4.7 / 5: $0 commissions on Canadian and US stocks and ETFs, fractional shares from $1 and every major registered account in one app.
- [Best TFSA Accounts in Canada](https://wealthscale.ca/compare/best-tfsa-accounts/): The best TFSA account Canada investors can open in 2026, on our published score, is Interactive Brokers Canada at 4.4 / 5.
- [Best RRSP Accounts in Canada](https://wealthscale.ca/compare/best-rrsp-accounts/): The best RRSP account Canada investors can open in 2026, on our published score, is Questrade at 4.3 / 5.
- [Best RRSP Accounts for US Stocks](https://wealthscale.ca/compare/best-rrsp-for-us-stocks/): The best RRSP for US stocks, on our US-stocks score, is at Desjardins Online Brokerage (Disnat) or Questrade, which tie at 4.6 / 5: both state US-dollar RRSPs and RRIFs with no extra fee and charge $0 on online US trades.
- [How to Invest in Canada](https://wealthscale.ca/learn/how-to-invest/): How to invest in Canada comes down to ten steps: budget, clear expensive debt, build an emergency fund, set goals, choose the right account, decide how hands-on to be, pick a platform, learn the asset classes, diversify and count every cost, then place your first trade.
- [How to Buy US Stocks in Canada](https://wealthscale.ca/markets/how-to-buy-us-stocks/): How to buy US stocks in Canada comes down to six steps: choose the account that will hold them, pick a broker with US-dollar accounts, open the account and file a W-8BEN, fund it, get US dollars at the lowest cost, and place your order.
- [Neha Gupta, CFA](https://wealthscale.ca/about/neha-gupta/): Neha Gupta is a CFA charterholder based in Winnipeg, Manitoba. She has worked in financial markets since December 2005.
- [Capital Gains Tax Calculator](https://wealthscale.ca/calculators/capital-gains-tax-calculator/): Use this capital gains tax calculator Canada-wide to see what you owe when you sell shares, funds, crypto or property at a profit.
- [Compound Interest Calculator](https://wealthscale.ca/calculators/compound-interest-calculator/): Our compound interest calculator Canada savers can use for free shows that $10,000 earning 5% a year, compounded monthly, grows to $16,470.09 in 10 years.
- [RRIF Minimum Withdrawal Calculator](https://wealthscale.ca/calculators/rrif-calculator/): This RRIF calculator works out the minimum you must withdraw from a registered retirement income fund this year: the RRIF's value on January 1 multiplied by the factor for your age at the start of the year, such as 4.00% at 65, 5.28% at 71 or 6.82% at 80.
- [RESP Grant Calculator](https://wealthscale.ca/calculators/resp-calculator/): This RESP calculator shows how much grant money your child can collect and what the plan could be worth by age 17.
- [FHSA Calculator](https://wealthscale.ca/calculators/fhsa-calculator/): This FHSA calculator shows how much First Home Savings Account room you have in 2026 and on January 1, 2027, based on the year you opened your first FHSA and what you have put in.
- [RRSP Calculator](https://wealthscale.ca/calculators/rrsp-calculator/): This RRSP calculator shows how much tax an RRSP contribution saves in 2026 at your income and in your province, using the 2026 federal and provincial tax brackets.
- [TFSA Calculator](https://wealthscale.ca/calculators/tfsa-calculator/): This TFSA contribution room calculator adds up every annual limit you have earned since 2009, subtracts what you have put in and adds back what you have taken out, so you know how much you can deposit today.
- [RRIF Minimum Withdrawal Table](https://wealthscale.ca/accounts/rrif-minimum-withdrawal/): The RRIF minimum withdrawal is the smallest amount you must take out of a registered retirement income fund each year: the fund's value on January 1 multiplied by a factor set by your age, from 4.00% at 65 and 5.28% at 71 to 20% at 95 and over.
- [RESP Guide](https://wealthscale.ca/accounts/resp/): An RESP (registered education savings plan) lets you save up to $50,000 per child for school after high school, and the federal government adds a grant of 20% on the first $2,500 you put in each year, up to $7,200 per child over a lifetime.
- [Home Buyers' Plan](https://wealthscale.ca/accounts/home-buyers-plan/): The Home Buyers' Plan (HBP) lets a first-time buyer withdraw up to $60,000 from their RRSPs to buy or build a qualifying home, with no tax on the withdrawal as long as it is paid back over 15 years.
- [RRSP Contribution Limit](https://wealthscale.ca/accounts/rrsp-contribution-limit/): The RRSP contribution limit 2026 is the lesser of 18% of your 2025 earned income and $33,810, minus any pension adjustment, plus unused room carried forward from earlier years.
- [US Stocks in a TFSA](https://wealthscale.ca/accounts/us-stocks-in-tfsa/): Holding US stocks in TFSA accounts is allowed, and Canada does not tax the growth, but the United States keeps 15% of each dividend under the Canada-US tax treaty, or 30% if your broker has no W-8BEN on file, and a TFSA cannot get that tax back.
- [TFSA Withdrawal Rules](https://wealthscale.ca/accounts/tfsa-withdrawals/): TFSA withdrawal rules are simple at their core: you can take money out of a tax-free savings account at any time, for any reason, and pay no tax on it, and the amount you withdraw is added back to your contribution room on January 1 of the next year.
- [TFSA Contribution Limit](https://wealthscale.ca/accounts/tfsa-contribution-limit/): The TFSA limit 2026 amount is $7,000, the same as in 2024 and 2025.
- [FHSA Eligibility](https://wealthscale.ca/accounts/fhsa-eligibility/): FHSA eligibility comes down to four tests applied on the day you open the account: you must be a resident of Canada, at least 18 (19 where that is the age of majority), no older than 71 at December 31 of the year you open it, and a first-time home buyer.
- [RRSP Guide](https://wealthscale.ca/accounts/rrsp/): An RRSP, or registered retirement savings plan, lets you deduct what you contribute, up to 18% of last year's earned income with a 2026 maximum of $33,810, and lets your investments grow without yearly tax until you take money out.
- [TFSA Guide](https://wealthscale.ca/accounts/tfsa/): A TFSA (tax-free savings account) lets a Canadian resident aged 18 or older invest after-tax money, let it grow, and take it out without paying tax on the growth.
- [FHSA Guide](https://wealthscale.ca/accounts/fhsa/): An FHSA, or First Home Savings Account, lets a first-time home buyer in Canada contribute $8,000 a year, up to $40,000 in total, deduct those contributions from taxable income, and withdraw the money tax-free to buy a qualifying home.
- [RESP Grants](https://wealthscale.ca/accounts/resp-grants/): An RESP grant is money the government adds to a registered education savings plan, and the main one, the Canada Education Savings Grant (CESG), pays 20% on the first $2,500 you contribute each year, up to $7,200 per child.
- [Learn to Invest](https://wealthscale.ca/learn/): This investing for beginners Canada guide reduces getting started to seven steps: build an emergency fund, clear high-interest debt, choose an account, choose how to invest, decide what to hold, keep costs low and understand the tax.
- [International Investing](https://wealthscale.ca/markets/): The international investing Canada-based investors do most often is buying US-listed stocks and funds, and three things decide how much of the return you keep.
- [CRA Benefit Payment Dates](https://wealthscale.ca/benefits/): The next CRA payment dates 2026 are October 28 for CPP and OAS, November 10 for the Ontario Trillium Benefit, November 19 for the Canada Disability Benefit and November 20 for the Canada Child Benefit, with the next Canada Groceries and Essentials Benefit payment on January 5, 2027.
- [Calculators](https://wealthscale.ca/calculators/): These investment calculators Canada residents can use for free run on 2026 figures: the $7,000 TFSA limit, the $33,810 RRSP dollar limit, the $8,000 FHSA limit and federal tax rates from 14% to 33%.
- [Banking](https://wealthscale.ca/banking/): The best bank account Canada offers depends on how you use it, but on our published chequing score the EQ Bank Personal Account leads at 4.6 / 5: no monthly fee, unlimited transactions, ATM fees reimbursed across Canada, and 2.75% interest when your pay is direct deposited.
- [Savings](https://wealthscale.ca/savings/): The best place to save money Canada-wide depends on when you need it: a high-interest savings account for money you may need soon, and a GIC for money with a date.
- [Broker Comparison](https://wealthscale.ca/vs/): Our broker comparison Canada-wide puts any two platforms side by side using the same published scores and prices, checked on October 22, 2026.
- [Reviews](https://wealthscale.ca/reviews/): This page lists all our online broker reviews Canada-wide, plus our reviews of banks, robo-advisors, crypto and tax software: 27 pages in all, scored with the same published rules and checked on October 22, 2026.
- [Compare Online Brokers](https://wealthscale.ca/compare/): Compare online brokers Canada-wide in one place: we score 13 brokers out of 5 on cost, accounts, US investing, cash and margin rates, platform and safety, using published prices checked on October 22, 2026.
- [Investment Accounts](https://wealthscale.ca/accounts/): The main types of investment accounts Canada offers are the TFSA, the RRSP and spousal RRSP, the FHSA, the RESP, the RRIF, the locked-in LIRA and LIF, and the ordinary non-registered account.
- [Broker Rating Methodology](https://wealthscale.ca/methodology/brokers/): Our broker rating methodology scores 13 Canadian online brokers out of 5 on six factors, and cost carries the most weight at 35%.
- [Contact](https://wealthscale.ca/contact/): To contact WealthScale, email info@wealthscale.ca for general questions, corrections and media enquiries, or privacy@wealthscale.ca for privacy requests.
- [How We Make Money](https://wealthscale.ca/how-we-make-money/): This is the WealthScale advertiser disclosure.
- [Editorial Standards](https://wealthscale.ca/editorial-standards/): WealthScale editorial standards are the rules every page follows before and after it goes live.
- [Sharad Gondaliya, CPA](https://wealthscale.ca/about/sharad-gondaliya/): Sharadkumar "Sharad" Gondaliya is a CPA licensed in both Canada and the United States, with more than 15 years of experience in accounting, tax and payroll for incorporated small businesses.
- [About](https://wealthscale.ca/about/): WealthScale is an independent Canadian website that compares investing accounts, online brokers, robo-advisors, savings accounts, GICs and bank accounts on what they really cost.
- [Terms of Use and Disclaimer](https://wealthscale.ca/terms-of-use/): These WealthScale terms of use set the rules for using WealthScale and explain what our pages are and are not. WealthScale gives general information only.
- [Home](https://wealthscale.ca/): Compare Canadian online brokers, robo-advisors, savings accounts and GICs on real costs. Sourced figures, reviewed by a CPA.
- [Privacy Policy](https://wealthscale.ca/privacy-policy/): This WealthScale privacy policy explains what personal information WealthScale Media Inc. collects, why, how we protect it and the choices you have.


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