Good decisions.
Clear numbers.
Cash Savings helps Canadians see the cash value of everyday money decisions. You bring the numbers. We show the calculation, its assumptions, and where the offer came from.
A researched selection, not the entire market
We start with bring-your-own-phone plans and cash savings accounts. We exclude offers whose complete prices, rates, billing terms, or conditions cannot be modeled reliably. The source directory includes providers we researched but could not confidently compare.
How phone savings are calculated
Your current pre-tax monthly bill is multiplied by 12. A candidate’s first-year recurring cost is calculated from its actual billing period, then any known upfront charge is added. Monthly plans use 12 payments; 30-day subscriptions use 365 ÷ 30 renewals as an annualized estimate. An annual plan is supported only when its advertised data allowance resets monthly.
For monthly introductory prices, we use the discounted price for its stated duration and the ongoing price for the remaining first-year months. Unknown upfront charges are labeled and omitted, so the displayed savings can be higher than what you actually keep. Device financing, bill tax, cancellation charges, rewards points, and overage are excluded.
How savings-account earnings are calculated
We project the opening balance with daily compounding and add your contribution at each month end. Monthly fees are deducted at month end. Promotional rates apply only for the specified number of months, then the eligible ongoing rate applies. Payroll bonuses apply only when you select the option confirming you already meet the provider’s requirements.
This is an estimate: many banks calculate interest daily and credit it monthly, so actual results can differ slightly. Variable rates are assumed constant, taxes are excluded, and qualifying-deposit setup delays are not modeled. Accounts with complex balance tiers, daily promotional expiries, or balance-dependent promotional caps are excluded until their terms have a dedicated calculation.
What determines a ranking?
Phone plans sort by estimated first-year cost. Accounts sort by projected balance after fees. Matching offers must meet the data, province, plan-type, and conditions you select. Ties use a stable offer ID; commission amounts are never an input.
Freshness is part of the comparison
Phone offers older than 14 days and account rates older than 7 days are excluded from results, as are expired or withdrawn offers. These are freshness limits, not promises of continuous verification. Automated updates run only with an authorized feed. Changed commercial terms return to owner review; we do not scrape provider websites without permission.
This build is a research preview. The initial dataset is awaiting owner review. Province filters are a first pass; subscription-area maps, device compatibility, age, residency, and provider checkout rules can further limit eligibility.
How the site is funded
Comparing is free. No affiliate links are active in this preview. If approved referral programs are added, the relevant offer will disclose that relationship and its ranking will still come from the calculation. See our affiliate disclosure.