Your First 90 Days in Canada, In Order

Landing in Canada comes with a pile of money tasks — your SIN, a bank account, your first credit card, and TFSA rules — and doing them in the wrong order costs money. This free checklist puts every step in order, so you can settle in with confidence.

What’s inside

Days 1–7: Foundations

Get your Social Insurance Number (SIN), open a bank account, and set up a Canadian phone number.

Weeks 2–4: Building credit from zero

Get your first credit card and start using Interac e-Transfer to build a Canadian credit history from scratch.

Days 30–60: Protect and optimize

Start an emergency fund, learn the TFSA rules before you contribute, get tenant insurance, and find cheap ways to send money home.

Days 60–90: Think ahead

Check your employer RRSP match, learn about the FHSA, get ready for tax-season deadlines, and watch out for scams targeting newcomers.

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Educational content only — not financial advice.