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Newcomer to Canada Kit

Your whole first year in Canada worked out from two dates: the accounts, the first tax return, licensing, housing, and what each month is for.

CA$19.99
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One time purchase. Instant download. No subscription.

Cover of Newcomer to Canada Kit

Inside

Pages from the actual documents

  • Page 2 of First Year Guide
    The guide runs month by month, and every month names the trap in it
  • Page 5 of First Year Guide
    The first tax return, with proration and the 90 per cent rule separated
  • Page 8 of First Year Guide
    Buying a home, and Part 7's directory of official sources
  • Page 2 of Months 2 to 12 Checklist
    Every item says what it needs before you can start it
  • Page 1 of First Year Money Position
    The tool's printable output, for keeping with your records

Nothing here is a mockup. Each image is a page rendered from the file you would download, at the size it prints.

The download

What is in it, file by file

  • First-Year-Guide.pdfPDF · 224 KB

    Your First Year in Canada. The guide, month by month, with every source. Ten pages, print it or keep it on your phone.

  • First-Year-Guide.htmlHTML · 68 KB

    The same guide as a web page, with every official link clickable

  • First-Year-Money-Position.htmlHTML · 24 KB

    The tool. Two dates in, and it returns your contribution room, your Old Age Security fraction, the child benefit, and the order to do things in. Open it in any browser.

  • First-Year-Money-Position.pdfPDF · 84 KB

    The tool's output as a printable sheet, for filling in by hand or keeping with your records

  • Months-2-to-12-Checklist.pdfPDF · 162 KB

    Thirty three things to do, in the month they belong in, numbered 18 to 50 so it continues the free First 30 Days checklist

  • Months-2-to-12-Checklist.htmlHTML · 40 KB

    The same checklist as a web page

Delivered as one zip. The HTML files open in any browser and work with no internet connection, so nothing here stops working when a website does.

The problem

What this solves

The first month in Canada is a list of tasks and there is help for it everywhere. The rest of the first year is a set of clocks that started on arrival and were never announced, and those mistakes cost thousands rather than an afternoon.

Contents

What's included

  • Your First Year Money Position, the tool. Two dates in, your whole first year position out. Runs in any browser, works offline, and sends nothing anywhere.
  • Your First Year in Canada, the guide. Ten pages covering months two to twelve, with the first tax return, professional licensing and housing set out in full.
  • Months 2 to 12 in Canada, the checklist. Thirty three items numbered 18 to 50, each with what it needs before you can start it.
  • A directory of 39 official government sources, grouped by subject.
  • Free updates for as long as the product exists, in your library.

How it works

Using it

  1. Put in two dates

    Your birth year and the year you became a resident. The tool returns your contribution room, your pension fraction, the child benefit and the order to do things in. It takes about a minute.

  2. Read Part 1 of the guide

    Months two to twelve, one at a time, with the trap that catches people in each. Parts 2 to 6 hold the detail on tax, accounts, licensing and housing.

  3. Work the checklist

    Thirty three items in the month they belong in. Each one says what it needs before you can start, so nothing gets blocked halfway through.

  4. Check anything that matters

    Every figure names its source and Part 7 links all 39 of them. Where something could not be verified the guide says so plainly, rather than filling the gap with something plausible.

Outcomes

What you get out of it

  • Your own contribution room, not the cumulative figure that applies to someone born here
  • The Old Age Security fraction you are actually on, worked out from your arrival year
  • The order to open accounts in, and the one worth opening this year even with nothing to put in it
  • A first tax return you understand before you file it, including why the number often looks worse than expected
  • The government page behind every figure, so you can check any of it in one click

Fit

Who it's for

People in their first year in Canada as permanent residents, workers or students, past the first month and now making the decisions that carry real amounts of money.

Specifics

Product details

Format
System
Version
1.0
Licence
Personal use
Language
English
Edition
Canada Edition
Last updated
September 2026
  • Ten page guide, as a PDF and as a web page
  • Six page checklist, as a PDF and as a web page
  • Browser tool with no account, no sign in, and no internet connection required
  • 39 official sources, every one checked before release
  • Canada Edition, verified September 2026

Questions

Frequently asked

Is this advice?

No. It is education and planning material, and EmpireSheets is not a regulated adviser in tax, immigration, law or finance. Where an amount matters to a decision, the guide links the official page so you can confirm it yourself.

I have already been here eight months. Is it too late?

No. Most of the Kit is the first tax return, contribution room and licensing, and none of those are decided by month eight. The one item that rewards acting sooner is the FHSA, because its fifteen year clock starts when you open the account rather than when you arrived.

How is this different from the free checklist?

The free one covers the first month and the tasks. This covers the first year and the money, which is where the amounts get large and the mistakes get expensive. The checklist here continues its numbering, starting at item 18.

Does the tool need my personal information?

It needs two years. There is no account to create, nothing is sent anywhere, and the file works with no internet connection.

The figures change every year. What happens then?

The rules are durable and the numbers are not. Every figure is dated to September 2026 and linked to its source, and the Kit is revised at each annual indexation. Updates are free and appear in your library.

Which provinces does it cover?

The federal material applies everywhere. Where a rule differs by province the guide says so, and works Ontario, British Columbia and Alberta as examples rather than pretending one rule fits the country.

Reviews

What customers say

No reviews yet, and we will not invent any. What you can rely on instead: you get the files listed on this page, they are yours to keep, and updates are free. If anything is wrong with them you get your money back.

Next

Build your complete system

Spreadsheet

Canada Edition

Canadian Registered Accounts Tracker 2026

TFSA, RRSP and FHSA room in one file, twelve tabs, with the over contribution tax worked out the way the CRA charges it and every figure carrying its canada.ca source.

CA$39.99

This product is for education and planning only and does not constitute financial, legal, tax or immigration advice. EmpireSheets is not a regulated adviser. Rules and figures change, so check anything time sensitive against a current official source. Edition 1.0, last updated September 2026.