How much does the CFP exam cost in Canada?

Exam fees as of October 2026

These are from FP Canada’s fee schedule, as of September 1, 2026. Tax is extra: 5% GST, or HST in Ontario and the Atlantic provinces. The early-bird price ends about two months before the exam, and registration closes about one month before.

Education costs

You must finish recognized education before you can register. Through the FP Canada Institute, as of October 2026:

• Accelerated programs cost less if you hold certain licences or designations, such as a mutual fund or securities licence, or CPA, CFA or CLU.
• You can also do the technical education at a recognized college or university, at that school’s tuition.

Certification fees after you pass

Getting money back if plans change

• Withdraw before the early-bird deadline and you get 100% back.
• Withdraw before registration closes and you get 50% back.
• After that, there’s no refund. You can postpone once, to the next sitting only, for $250 up to a week after the exam.
• Once you’ve started the exam, you can’t withdraw or postpone that registration.

What “fee-only CFP” means

If you searched for a “fee-only CFP”, that’s about how a planner is paid, not about the exam. A fee-only planner charges clients directly, by the hour, a flat fee or a retainer, rather than earning commissions on products. FP Canada’s Planner Directory lets you look up certified planners.