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    • Why IG
      • Why IG
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        • Investing for income
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        • Tax Efficiency
        • Investments with intent
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        • Individual investment mandates
        • Guaranteed investment solutions
        • Separately managed accounts
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    Find an advisor

    Managing your money

    Budgeting and debt management are the cornerstones of a successful financial plan.

    The crucial role managing your money
    plays in your financial plan

    Budgeting and debt management are the foundation of any successful financial plan. They help you to reduce risk and minimize debt costs, and they open up more financial planning opportunities. They also ensure that you have sufficient cash to easily cover daily expenses and cope with emergencies. IG Advisors have strategies to help you get there.

    About budgeting and debt
    management

    Managing your money successfully starts with making a budget and managing debt. Find out how to develop and stick to a budget that’s tailored to your unique situation, and discover strategies for reducing your debt and lowering your interest payments.

    Money management strategies

    How your IG Advisor helps you optimize your finances

    • Works with you to build an emergency fund.
    • Helps you establish a realistic budget you can stick to.
    • Provides strategies for reducing debt.
    • Helps you allocate surplus cash to meet various goals.
    • Suggests various tailored strategies to optimize your cash flow. 

    Find an Advisor

    How money management is integrated into your Living Plan

    Cash flows are allocated to specific goals within your Living Plan, such as retirement planning, risk management, investments and estate planning. The Living Plan identifies opportunities for optimizing surplus cash and aligns them with your recommended financial planning strategies.

    Go to IG Living Plan

    Take advantage of the IG Home Equity Plan

    IG’s Home Equity Plan allows you to access some of your home’s equity with an easy-to-use home equity line of credit (HELOC) that you can draw from whenever you need it.

    Learn more

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    These valuable tools provide you with a better understanding of how to reduce debt and improve your personal cash flow.

    Debt consolidation calculator

    Find out how much you can reduce your monthly payments and your annual interest costs by consolidating your debt.

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    Discover how much you can contribute to your Tax-Free Savings Account this year, based on your age and contributions.

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    Income tax calculator

    Estimate your income tax owing to get a better idea of your net income, so your budget plan is more accurate.

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    Money management insights

    article event image
    Why it's better not to get a tax refund

    In tax season many people’s thoughts turn towards their tax refund and what they’ll do with it. Should you put it towards your mortgage, add it to your RRSP or make a TFSA contribution?

    Read article
    article event image
    How income splitting can reduce your income tax

    There are ways for both working and retired couples to take advantage of income tax splitting. Discover four strategies for reducing couples’ tax bills.

    Read article
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    Speak to an advisor

    Connect with an IG Advisor to uncover your personal financial goals, and how you can achieve them.

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    Mutual funds and investment products and services are offered through the Mutual Fund Division of IG Wealth Management Inc. (in Quebec, a firm in financial planning). Additional investment products and brokerage services are offered through the Investment Dealer, IG Wealth Management Inc. (in Quebec, a firm in financial planning), a member of the Canadian Investor Protection Fund.

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