GIC & Savings Planner - Fall 2026

Savings accounts and GICs explained simply, with worksheets for your own numbers.

Where should your savings go: a high-interest savings account, a GIC, or both? This 29-page planner explains how each one works in plain language, then helps you plan where your money goes and when to look at it again.

What’s inside

• How savings interest works, balances and tiers, and how to read the fine print on promotional rates

• What a GIC is, terms and rates, redeemable vs non-redeemable, and how compound interest adds up

• How to build a GIC ladder, with a worksheet to plan each rung

• Savings account or GIC? A simple way to choose for each pot of money

• Deposit insurance, with a tracker to check what you hold at each institution

• Tax and TFSAs: where to hold your savings

• 10 worksheets, including savings goals, a promotional rate tracker and your plan on one page

How it works

Type in the 150 blue boxes on screen in Adobe Acrobat Reader, Preview on a Mac, or Microsoft Edge or Chrome, then save. Or print it and write in it by hand.

Where it comes from

Based on official sources such as the Financial Consumer Agency of Canada, the Canada Deposit Insurance Corporation and the Canada Revenue Agency. Each chapter lists its sources.

What you get

A PDF download, emailed to you right after you pay. Fall 2026 edition.

Information only, not financial or tax advice. Rates and rules change, so confirm anything important with your bank, credit union or a tax professional.