Category: Research
Original data reports from NotchUp Research on Canadian household finances: insolvencies, benefit clawbacks, gig work, newcomer earnings, credit card debt and data breaches. Each report is built from official sources such as Statistics Canada, the Office of the Superintendent of Bankruptcy and the CRA, with its methodology, limits and citations published alongside the figures.
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Newcomer Earnings and Poverty in Canada 2026
In 2024, 17.3% of immigrants who landed in the previous five years lived below Canada’s official poverty line, twice the…
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Gig Work in Canada 2026: How Many Canadians Do Platform Work
667,000 Canadians did paid platform work in the 12 months to December 2025, flat on a year earlier. The apparent…
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CRA Benefit Clawbacks in Canada 2026: CCB, GST Credit and Overpayments
Ottawa expects to collect $2.0 billion of the $12.0 billion in COVID benefit overpayments still owed, 17% of the total.…
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Canadian Insolvency Statistics 2026: Filings by Province
Canadians filed 145,681 consumer insolvencies in the 12 months to July 2026, 4.0% short of the 2009 record. In 2025…
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The Rent Gap: What Canada’s 2026 Paycheque Calendar Does to Your Month
On the 1st of the month, a biweekly earner in Canada is anywhere from 1 to 17 days past their…
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The APR Illusion: What Short-Term Money Really Costs in Canada
The same $42 fee on a $300 payday loan is 730% APR when the loan runs 7 days and 82%…
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What Actually Leaks in a Data Breach: 1,009 Breaches, Analyzed
Email addresses leak in 99.3% of data breaches, passwords in 65.7%, and an unchangeable identity number such as a SIN,…
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The Minimum Payment Map: What 2%, 3% and 5% Minimums Really Cost Canadians
At 19.99%, a $5,000 credit card balance takes 66 years to clear at a 2% minimum payment, 21 years at…