GIC and savings planner
Savings accounts and GICs explained simply, with worksheets to plan where your money goes and when to look at it again.
$14 Canadian dollars, plus sales tax where it applies. One-time purchase.
Buy the planner, $14A 29-page fillable PDF, Fall 2026 edition. The download link is emailed to you as soon as you pay.
What's inside
- 14 chapters in plain language: how savings interest works, balances and tiers, promotional rates, what a GIC is, terms, redeemable or not, compound interest, GIC ladders, deposit insurance and tax.
- 10 worksheets: savings goals, a promotional rate tracker, a checklist before you lock in, two GICs side by side, savings or GIC for each pot of money, and where to hold it: TFSA, RRSP or a regular account.
- Plan a GIC ladder: amount, term, lender, rate and maturity date for each rung.
- A deposit insurance tracker to check what you hold at each institution, plus your plan on one page.
A look inside
How it works
Fill it in on screen or on paper. Type in the 150 blue boxes in Adobe Acrobat Reader, Preview on a Mac, or Microsoft Edge or Chrome, then save. Or print it and write in it.
Where it comes from. The chapters are the Rates Explained: Savings and GICs courses on this site, laid out for print with the worksheets added. They're based on official sources such as the Financial Consumer Agency of Canada, the Canada Deposit Insurance Corporation and the Canada Revenue Agency, listed after each chapter.
Questions
Isn't the course free on this site? Yes, and it stays free. The planner adds the worksheets, the GIC ladder and the trackers, in a version that works offline and in print.
How do I get it? Right after you pay, you get an email with a download link. Your copy carries your email address.
Is it advice? No. It explains how these products and rules work. Confirm anything important with your bank or credit union.