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Free help with money in Canada

This page lists official places to get help with budgeting, banking, credit, debt, taxes and fraud in Canada. Every service here is run by government, a regulator, an ombudsman or a public body, and is free to use.

Official and freeLast reviewed October 2026

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Everyday money and budgeting

  • Financial Consumer Agency of CanadaThe federal agency that protects consumers of financial products and services and helps Canadians build financial literacy. Its information is free.www.canada.ca/en/financial-consumer-agency.html
  • Making a budget (FCAC)Free step-by-step guidance from the Financial Consumer Agency of Canada on why and how to make a budget.www.canada.ca/en/financial-consumer-agency/services/make-budget.html
  • Money and finances (Canada.ca)The Government of Canada’s hub for managing money, banking, debt and borrowing, and consumer protection.www.canada.ca/en/services/finance.html

Banking and deposit protection

  • Canada Deposit Insurance Corporation (CDIC)Set up by the Government of Canada to protect deposits if a member financial institution fails. Coverage is free and automatic.www.cdic.ca
  • Deposit insurance (FCAC)Explains what deposit insurance covers and how to check whether your financial institution is a CDIC member.www.canada.ca/en/financial-consumer-agency/services/banking/deposit-insurance.html

Credit reports and disputes

  • Credit reports and scores (FCAC)Free information on what is in your credit report, how to improve your score and how to check your report for errors and fraud.www.canada.ca/en/financial-consumer-agency/services/credit-reports-score.html
  • Getting your credit report and credit score (FCAC)Explains how to get your credit report free online from Canada’s two main credit bureaus.www.canada.ca/en/financial-consumer-agency/services/credit-reports-score/order-credit-report.html

Borrowing and debt help

  • Managing debt (FCAC)Free guidance on paying down debt, dealing with a debt collector and getting help when you have financial difficulties.www.canada.ca/en/financial-consumer-agency/services/debt.html
  • Getting help from a credit counsellor (FCAC)Explains what credit counselling agencies do and how to find a trustworthy one.www.canada.ca/en/financial-consumer-agency/services/debt/debt-help.html
  • Office of the Superintendent of BankruptcyThe federal body that licenses and regulates insolvency professionals and keeps the bankruptcy and insolvency records.ised-isde.canada.ca/site/office-superintendent-bankruptcy/en

Tax filing help and benefits

  • Free tax clinics (Canada Revenue Agency)Through the Community Volunteer Income Tax Program, and its partner program in Quebec, volunteers complete tax returns free for people with a modest income and a simple tax situation.www.canada.ca/en/revenue-agency/services/tax/individuals/community-volunteer-income-tax-program.html
  • Tax software for filing personal taxes (CRA)Explains how to file your return online using CRA-certified tax software, including where to find software that is free.www.canada.ca/en/services/taxes/income-tax/personal-income-tax/how-file/tax-software.html
  • Benefits Finder (Canada.ca)A free federal tool to find programs and benefits, including financial assistance, you may be able to get.www.canada.ca/en/services/benefits/finder.html
  • Benefits (Canada.ca)The Government of Canada’s guide to benefits, including Employment Insurance and child and family benefits.www.canada.ca/en/services/benefits.html

Scams, identity theft and complaints

Checked

Every link, opened.

Each page linked here was opened and checked on 19 October 2026. Services change: if a link no longer says what we describe, the official page is right. Tell us at hello@moraph.org.

Last reviewed October 2026

  1. www.canada.ca/en/financial-consumer-agency.html
  2. www.canada.ca/en/financial-consumer-agency/services/make-budget.html
  3. www.canada.ca/en/services/finance.html
  4. www.cdic.ca
  5. www.canada.ca/en/financial-consumer-agency/services/banking/deposit-insurance.html
  6. www.canada.ca/en/financial-consumer-agency/services/credit-reports-score.html
  7. www.canada.ca/en/financial-consumer-agency/services/credit-reports-score/order-credit-report.html
  8. www.canada.ca/en/financial-consumer-agency/services/debt.html
  9. www.canada.ca/en/financial-consumer-agency/services/debt/debt-help.html
  10. ised-isde.canada.ca/site/office-superintendent-bankruptcy/en
  11. www.canada.ca/en/revenue-agency/services/tax/individuals/community-volunteer-income-tax-program.html
  12. www.canada.ca/en/services/taxes/income-tax/personal-income-tax/how-file/tax-software.html
  13. www.canada.ca/en/services/benefits/finder.html
  14. www.canada.ca/en/services/benefits.html
  15. antifraudcentre-centreantifraude.ca/index-eng.htm
  16. www.canada.ca/en/revenue-agency/campaigns/fraud-scams.html
  17. www.canada.ca/en/financial-consumer-agency/services/complaints.html
  18. www.obsi.ca

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