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Resilient Futures

Resilient Futures: Building financial well-being for everyone

Resilient Futures is a four-year, $60 million national project led by Prosper Canada and funded by the Government of Canada through the Social Development Partnerships Program – Children and Families. Its purpose is simple and urgent: make sure people with low and modest incomes can get access to free, high-quality financial help services in the communities where they live.

Through Resilient Futures, Prosper Canada is investing $48.2 million in 97 community organizations across every province and territory. These front-line partners will expand access to year-round tax filing, benefits assistance, and one-on-one financial coaching so more people can build stability, reduce stress, and move forward with confidence.

Resilient Futures is focused on people who face the greatest barriers to financial security. Our partners bring deep experience working with Indigenous Peoples, including First Nations, Inuit, and Métis, members of Black communities and people living with disabilities.

In addition to the funding, Prosper Canada has committed to addition $12 million in funding.

Why Resilient Futures, and why now?

More people in Canada are struggling with the rising cost of living, and for those with low and modest incomes, even a small setback can have lasting effects. Many can’t get the support they need from mainstream financial services. That’s where trusted community organizations step in—meeting growing demand for free, non-judgmental financial support.

Our Resilient Futures community partners will:

  • Reach 1 million people

  • Help connect them to an estimated $2 billion in new income through benefits and tax refunds

That’s an average of about $2,000–$3,600 per person—money that can help pay rent, cover groceries, reduce debt, and create a small buffer for the future.

    “The Resilient Futures project is about ensuring every Canadian, no matter where they live or what barriers they face, has access to the financial tools, supports, and opportunities they need to build brighter futures. This is an exciting step forward in reaching communities across the country with tailored, effective financial empowerment supports.”  

    Liz Mulholland, CEO, Prosper Canada  

How the project works

Prosper Canada supports Resilient Futures partners by:

  • Providing orientation and strengthening their capacity
  • Facilitating connections across a national community of practice
  • Expanding reach into priority population communities
  • Coordinating the flow of funding needed to deliver high-quality support

Where Resilient Futures is working

Resilient Futures partners include both regional hubs and local partners across Canada, as well as national organizations with multi-jurisdictional reach. Together, they form a coast-to-coast-to-coast network of financial help services.

Our 97 Community partners are located in:

  • National Partners

    Organizations delivering programming and training with multi-jurisdictional reach

    YWCA Canada – Toronto, ON (Hub)

    Disability Alliance BC – Vancouver, BC (Partner)

    Finautonome – Montréal, QC (Priority Population)

    Pinnguaq Association (Ampere) – Iqaluit, NU (Partner)

    CNIB – Toronto, ON (Priority Population)

  • British Columbia

    Hub:

    Family Services of Greater Vancouver - Hub Lead

    Partners:

    YWCA Metro Vancouver

    YMCA-YWCA of Vancouver Island

    Financial Empowerment Partners

    Canadian Mental Health Association Kamloops Branch

    Disability Alliance BC

    Launch Financial Education Society

  • Alberta

    Hub

    United Way Calgary and Area - Hub Lead

    United Way Alberta Capital Region - Hub Lead

    Partners

    Momentum

    A Synergy A Prosperity (ASAP)

    Bow Valley College

    Calgary Chinese Elderly Citizens Association

    Calgary Immigrant Womens Association

    Calgary John Howard Society

    Carya Society of Calgary

    Center for Newcomers

    Discovery House Family Violence Prevention Society

    Distress Center/Safe Communities Oppourtunity and Resource Centre (SORCe)

    Hull Services

    Immigrant Services Calgary

    Jewish Family Services Calgary

    Kindred Connections Society

    Rise Calgary

    The Immigrant Education Society

    Trellis Society

    Unison at Kerby Centre

    Women's Center of Calgary

    Elizabeth Fry Society of Northern Alberta

    Norwood Child and Family Resource Centre (Norwood Centre)

    YWCA Calgary

    Financial Empowerment Partners

    Bissell Centre

    Connections For Families

  • Saskatchewan

    Hub

    YWCA Canada - Hub Lead (national)

    Partners

    YWCA Prince Albert

    YWCA Regina

    Financial Empowerment Partners

    Foundations Learning and Skills Saskatchewan

  • Manitoba

    Hub:

    SEED Winnipeg - Hub Lead

    Partners:

    African Communities of Manitoba Inc. (ACOMI)

    Canadian Multicultural Disability Centre Inc.

    Canadian Muslim Women's Institute

    Community Financial Counselling Services Inc. (CFCS)

    Immigrant and Refugee Community Organization of Manitoba Inc.

    Manitoba Possible

    New Journey Housing

    Financial Empowerment Partners

    1JustCity

  • Ontario

    Hubs

    The Working Centre - Hub Lead

    WoodGreen Community Services - Hub Lead

    Thunder Bay Counselling Centre - Hub Lead

    Centre d'education financiere EBO - Hub Lead

    YWCA Canada - Hub Lead

    Partners

    Agincourt Community Services Association (ACSA)

    Centre for Immigrant and Community Services

    Dixie Bloor Neighbourhood Centre

    Jane/Finch Centre

    North York Community House

    West Neighbourhood House

    YWCA Cambridge

    YWCA Hamilton

    YWCA Niagara Region

    Financial Empowerment Partners

    Sudbury Community Service Centre

    The 519

    Albion Neighbourhood Services

    Family Services Windsor-Essex

    Riverdale Immigrant Women's Centre

    Hope House Guelph

    Prince Edward Island

    Financial Empowerment Partners

    John Howard Society

    Priority Population Partners

    Roots Community Services Inc.

    Ase Community Foundation for Black Canadians with Disabilities

    Kenora Chiefs Advisory

    Canadian National Institute for the Blind, CNIB

    Case Community Services

  • Quebec

    Hubs

    Union des consommateurs - Hub Lead

    Partners

    ACEF de l'île-Jésus

    ACEF du Grand-Portage

    ACEF du Sud-Ouest de Montréal

    ACEF de l'Est de Montréal

    ACEF du Nord de Montréal

    ACEF Estrie

    ACEF Lanaudière

    ACEF Montérégie-Est

    ACEF Rive-Sud

    Association Coopérative d'Économie Familiale - Appalaches Beauce Etchemins

    Centre d’intervention budgétaire et sociale de la Mauricie

    Espace Finances

    Service d’aide au consommateur (SAC)

    YWCA Montreal (Y des femmes de Montréal)

    Financial Empowerment Partners

    Code F Santé financière pour tous!

    Conseil Communautaire Notre-Dame-de-Grâce

    Priority Population Partners

    Finautonome

  • New Brunswick

    Hub

    YWCA Canada - Hub Lead (national)

    Partners

    YWCA Moncton

    Financial Empowerment Partners

    Kaleidoscope Social Impact

  • Nova Scotia

    Hub:

    YWCA Canada - Hub Lead (national)

    Partners

    YWCA Halifax

    Priority Population Partners

    Hope Blooms Youth Social Entrepreneurial Ventures

  • Prince Edward Island

    Partner

    John Howard Society – Charlottetown

  • Newfoundland and Labrador

    Partner

    YWCA St. John’s – St. John’s

    Priority Population Growth Partner

    Flat Bay Band Inc. – Flat Bay

    Financial Empowerment Partners

    YWCA St. John's

    Priority Population Partners

    Flat Bay Band Inc.

  • Yukon

    Priority Population Partners

    Yukon Literacy Coalition

  • Nunavut

    Partner

    Pinnguaq Association (Ampere) – Iqaluit (national reach)

    Financial Empowerment Partners

    Pinnguaq Association (Ampere)

    Priority Population Partners

    Kivalliq Inuit Association

What Resilient Futures offers in communities

Resilient Futures supports front-line organizations to deliver practical, everyday financial help, including:

  • Tax-filing support
    Helping people file their taxes correctly and on time, so they don’t miss out on important benefits and credits.
  • Financial coaching and counselling
    Providing one-on-one support with budgeting, managing debt, planning ahead, and setting realistic money goals.
  • Benefits access
    Screening for and applying to federal, provincial/territorial, and local benefits that can boost incomes and reduce hardship.
  • Financial education
    Offering practical group workshops on key money topics such as budgeting, banking, credit, debt, saving, and goal-setting, —designed specifically for people living on low and moderate incomes.