Prospyr Journal

Investor-grade writing for Canadian income builders

Clear articles on DRIP mechanics, dividend tax, account placement, and income-planning math. Built to help you sort the real question faster and move with more confidence.

Showing 26 posts matched to planning.

75 postsCanadian contextDRIP and dividend focused

Latest writing

Recent Planning posts

Page 1 of 3 for your current results.

PlanningMay 18, 2026

How much do I need to earn $1,000 a month in dividends in Canada?

See how much capital Canadians typically need to generate $1,000 per month in dividend income across TFSA, non-registered, and mixed-account setups.

Read article
PlanningMay 16, 2026

The real cost of renting out your home in Canada: what new landlords always underestimate

Learn the full monthly carrying cost of turning a home into a rental in Canada, including taxes, insurance, maintenance, vacancy, and management.

Read article
PlanningMay 15, 2026

How extra mortgage payments build equity faster in Canada: the math most homeowners skip

See how extra mortgage payments accelerate equity growth in Canada, reduce interest, and shorten amortization over time.

Read article
PlanningMay 14, 2026

How much has my home appreciated in Canada? How to calculate it using CMHC data

Use CMHC house price index data to estimate how much your Canadian home has appreciated by city. Calculate equity, compare selling versus renting, and model your real estate wealth.

Read article
PlanningMay 13, 2026

Ex-dividend date vs payment date in Canada: what every income investor needs to know

Learn how ex-dividend dates, record dates, and payment dates work in Canada so you can avoid missing dividend cycles and plan portfolio income more deliberately.

Read article
PlanningMay 12, 2026

How much do I need to earn $500 a month in dividends in Canada?

See how much capital Canadians typically need to generate $500 per month in dividend income across TFSA, non-registered, and mixed-account setups.

Read article
PlanningMay 10, 2026

RDSP Strategies for Canadian Disability Savings: The Complete Guide

Complete RDSP guide for Canadian disability savings. Maximize grants, contribution strategies, withdrawal planning, and tax efficiency.

Read article
EducationMay 6, 2026

How to Research Canadian Income Holdings Before Comparing Them

Learn a structure-first workflow for Canadian income holdings research before comparing dividend stocks, ETFs, REITs, and income funds.

Read article
PlanningMay 3, 2026

TFSA vs RRSP for dividend investors: a side-by-side comparison

They are not competitors. They are partners. But how you deploy each one determines whether your dividend income is taxed once, taxed twice, or not at all.

Read article