FundPathEveryday needs
Personal financing
Explore borrowing options for planned expenses, unexpected costs or debt consolidation.
Explore personal financing Continue to partner websiteMade for your next money decision
A clearer view.
A better next step.
Before you borrow, work through your own numbers.
Our free Canadian Financing Comparison Toolkit is an interactive workspace for budget room, cash gaps, vehicle and business planning, actual offer comparisons and a personal downloadable summary.
Education first. FundPath is a referral website, not a lender.
Getting the toolkit is not a credit application.
Your toolkit is ready.
Your download is ready below.
Download PDF · email signup requiredEducational information only—not an approval, quote or offer of credit.
Find the right starting point
What kind of financing are you looking for?
Choose a category to review options on the provider’s website. Compare the complete cost, repayment terms and required fees before applying.
For your company
Business funding
Review options for working capital, equipment purchases or business expansion.
Explore business funding Continue to partner websiteFor your next vehicle
Vehicle financing
Compare financing while keeping the vehicle price, term, interest and add-ons separate.
Explore vehicle financing Continue to partner websiteFor homeowners
Mortgage options
Review renewal and refinancing options, including penalties, closing costs and amortization.
View mortgage options See what to prepare before continuingAffiliate disclosure. FundPath may receive compensation when you follow a partner link. FundPath is not a lender. The provider controls availability, eligibility, credit checks, rates, fees, terms and approval.
Inside the toolkit
Less guesswork.
More useful questions.
Work through your situation, numbers and source-backed checklist, then download a summary of your own inputs. Original blank worksheets remain available inside.
- 01
Compare the complete cost
Compare two actual fixed-rate offers by monthly payment, fees and total outlay—not just the headline rate.
- 02
Prepare for your type of borrowing
Check monthly budget room, a short-term cash gap, business cash flow or the real amount needed for a vehicle.
- 03
Ask better mortgage questions
Record your renewal details and check penalties, legal fees and long-term interest impacts.
FundPathWORKSHEET / 02
Universal comparison sheet
Compare the complete cost—not only the payment
| Question | Option A | Option B | Option C |
|---|---|---|---|
| Provider | |||
| Amount | $ | $ | $ |
| Interest rate | % | % | % |
| APR / total borrowing cost | |||
| Payment | $ | $ | $ |
| Total fees | $ | $ | $ |
| Early-payment cost |
Questions every applicant should ask
□ What fees are mandatory?
□ What is the complete repayment amount?
Canadian Financing Comparison Toolkit FundPath.ca
Blank spaces are yours to fill—not quoted rates or offers.
Free tools · Email signup required
Start with your own numbers.
Start with a free email signup.
Then use both tools with your own numbers.
The everyday picture
Money Planner
Map your paydays and bills, forecast your daily balance, and estimate what may be safe to spend before your next income date.
- Browser-local planning
- Recurring bills
- Export and print
The bigger decision
Mortgage Refinance Calculator
Explore estimated payments, upfront costs and break-even timing before considering a refinance.
A lower payment can mean more interest over time. Compare the total cost, not only monthly cash flow.
Explore the refinance calculatorRead before you decide
A little context goes a long way.
Paycheques & bills
Plan around your actual paydays
Build a paycheque budget with dated bills, a cash buffer and a practical Canadian example.
Read the paycheque budgeting guide Mortgage costsWhen could a refinance recover its costs?
Understand cash-flow break-even, mortgage penalties and why a lower payment is not the same as savings.
Read the refinance break-even guide Home & mortgageThinking about refinancing?
Understand the process, costs and trade-offs before changing your mortgage.
Read the refinancing guide Vehicle financingBuying a car with imperfect credit
Know what to compare and which questions to ask about financing terms.
Read the car financing guide Short-term borrowingPause before short-term credit
Consider costs, repayment dates and alternatives before you proceed.
Read the short-term guideGood questions
Know where
you stand.
Clear expectations, before the next step.
Is the toolkit really free?
Yes. The toolkit, Money Planner and refinance calculator are free with email signup. The form explains consent for delivery and occasional relevant FundPath emails; the consent box is not preselected. You can unsubscribe anytime.
Does requesting the toolkit affect my credit?
No credit application is submitted when you request this educational toolkit. If you later apply with a provider, they may conduct a soft or hard credit inquiry. Review their disclosures before submitting an application.
Is FundPath a lender?
No. FundPath provides financing education and referral links. We do not make lending decisions or guarantee approval or funding times. Rates, fees, terms and availability depend on the provider, your province and your circumstances.
How do I access the Money Planner?
Sign up with your email before using the free planner. A signed access cookie remembers your signup on this browser for 30 days. Your financial data stays local: the planner stores your plan in your browser on your device. Its forecasts are estimates, not financial advice.
What if I have limited or imperfect credit?
Eligibility varies by provider. Compare total borrowing cost and repayment terms carefully, and consider lower-cost alternatives. FundPath cannot guarantee approval for any credit profile.
Your next step, on your terms
Compare with a clearer picture.
Keep the right questions beside you—not just the monthly payment.