A clear path through your first year in Canada.
Step-by-step guides, checklists and money tools for people moving from India, the Philippines, Sri Lanka, China, Nigeria and beyond. Written plainly. Checked monthly.
Popular nowGetting your SINBuilding creditHealth coverageFirst apartment
Send money home compare
Week one in Toronto
- SIN from Service Canada
- Bank account opened
- Apply for OHIP
Guides by stage
Prepare before you fly.
Documents, proof of funds and what to pack for your first winter.
All planning guides →
Get set up in weeks, not months.
SIN, phone, bank, health card and a place to live, in the right order.
- Your first week, step by step →
- Renting with no Canadian credit →
- Free settlement services near you →
Make your money work here.
Banking, credit, taxes and sending money home without losing it to fees.
- Newcomer bank accounts compared →
- How credit scores work in Canada →
- Sending money home: fees explained →
Your first 90 days, in the right order.
SIN first, then a bank account, then everything else. Each task links to a short guide.
Before you land
4–8 weeks out
Week one
Days 1–7
First month
Days 8–30
Personalized for your province and family. Free, no account needed.
Start in the right city.
Rent, transit, jobs and newcomer communities, compared honestly.
Work out the numbers before they surprise you.
Newcomer budget calculator
Rent, transit, groceries and phone for your city and household size.
Plan your budget →Transfer fee checker
See what a transfer home really costs once the exchange-rate markup is counted.
Check fees →Landing checklist
Every task for your first 90 days, tailored to your province.
Build my checklist →
Supporting family back home?
Most newcomers send money home in their first year. The fee you see is rarely the full cost; the exchange rate is where most of it hides. Our guides show you how to compare properly.
China
NigeriaSettleCanada is supported by RemitBee. Rates from RemitBee may appear in our tools alongside other providers.
How other newcomers did it.
Guides for where you're coming from
Documents, credential recognition, community groups and sending money back home.
Philippines
Sri Lanka
One practical email a week.
New guides, deadline changes and money tips for newcomers. No spam, no sales calls.
