Every tool on this page is something I have personally used or researched thoroughly. I only recommend what I would tell a friend to use. Some links are affiliate links, which means I may earn a small commission at no extra cost to you. That is one of the ways this site stays free.
💰 Banking & Savings
EQ Bank
BEST FOR: High-interest savings, emergency fund, no-fee banking
No monthly fees, no minimum balance, and one of the highest savings interest rates in Canada. This is where I keep my emergency fund and savings goals. Your money actually earns while it sits there — unlike the big banks where you get basically nothing. Works entirely from your phone.
Tangerine
BEST FOR: Free everyday chequing, starting fresh after divorce
A solid free chequing account with no monthly fees — perfect when you need to open your first account in your own name. They often have sign-up bonuses and the app is clean and easy to use. Great as your daily banking while you use EQ Bank for savings.
📊 Budgeting & Money Tracking
Monarch Money
BEST FOR: Budget tracking, seeing where your money goes, financial clarity
This is the budgeting app that finally made it click for me. It connects to your bank accounts, auto-categorizes spending, and gives you a clear dashboard of your entire financial picture. When you are managing money alone for the first time, seeing it all in one place makes it feel manageable instead of terrifying.
📈 Credit Monitoring
Credit Karma
BEST FOR: Free credit score, monitoring joint accounts, credit rebuilding
Free credit monitoring that every woman going through divorce should set up immediately. See your score, track every account on your report, and get alerts if anything changes — like a missed payment on a joint account your ex was supposed to handle. This is the first app I tell every woman to download after separation.
🌱 Investing (When You Are Ready)
Wealthsimple
BEST FOR: Beginner-friendly investing, TFSA, RRSP, no minimums
When your emergency fund is built and your budget is stable, Wealthsimple makes investing approachable. No minimum investment, clean interface, and they handle the complicated parts. Start a TFSA or RRSP with even a small amount. But please — only after your financial basics are covered first.
This page grows as I discover more tools worth recommending.
Have a tool that helped you rebuild? Let me know →
Disclosure: Some links on this page are affiliate links. If you sign up through my link, I may earn a small commission at no extra cost to you. I only recommend products I personally use or have thoroughly researched. See my full disclaimer for details.