All calculators · 107 in CAD
Canadian financial math
88 free standalone calculators, plus 19 that unlock with a Plus subscription. Every figure ties to a CRA table, schedule, or published rate. See pricing.
Budget · 1
Savings · 10
- CalculatorNewFree
FHSA projection
First Home Savings Account: $8k/yr cap, $40k lifetime.
- CalculatorNewFree
RESP + CESG match
Education savings with 20% gov match on first $2,500/yr.
- CalculatorNewFree
Emergency fund target
How many months of fixed costs you should hold in a HISA.
- CalculatorNewFree
Savings goal
Monthly deposit to hit a short-horizon dollar target.
- CalculatorNewFree
Savings distribution
How long a pool lasts at a fixed monthly draw.
- CalculatorNewFree
Savings · taxes + inflation
Nominal vs after-tax vs real FV.
- CalculatorNewFree
Compare savings rates
Same contribution across HISA / GIC rate ladder.
- CalculatorNewFree
Cost of delaying savings
Dollar cost of putting off saving by N years.
- CalculatorNewFree
Path to $1,000,000
Monthly required + years until your first million.
- CalculatorNewFree
Daily spend → invested
Redirect a small daily spend into an investment over years.
Debt · 7
- CalculatorNewFree
Snowball vs Avalanche
Compare debt-payoff strategies + minimum-only worst case.
- CalculatorNewFree
Credit card minimum payment
How long + how much when paying only the minimum.
- CalculatorNewFree
Credit card optimizer
Best distribution of extra payment across multiple cards.
- CalculatorNewFree
Personal debt consolidator
Roll multiple high-rate debts into one lower-rate loan.
- CalculatorNewFree
Consolidate + invest the difference
Invest the monthly savings from consolidating.
- CalculatorNewFree
How much do you owe?
Total balance + weighted average rate across all debts.
- CalculatorNewFree
Cost of debt
Annual interest + opportunity cost of not investing.
Loans · 9
- CalculatorNewFree
Amortizing loan
Monthly payment + interest on a fixed-term personal loan.
- CalculatorNewFree
Loan calculator (solve for unknown)
Solve for payment OR principal.
- CalculatorNewFree
Loan comparison
Compare three loan offers side by side.
- CalculatorNewFree
Loan prequalification
Max personal loan from income, existing debt, DTI.
- CalculatorNewFree
Existing loan balance
What you still owe after n payments.
- CalculatorNewFree
Line of credit minimum payment
Monthly minimum on a personal or secured LOC.
- CalculatorNewFree
Line of credit payoff
Months to zero at a fixed monthly payment.
- CalculatorNewFree
Credit line size estimator
HELOC + unsecured LOC borrowing envelope.
- CalculatorNewFree
RRSP loan
Borrow to top up RRSP, apply refund to principal.
Tax · 9
- CalculatorFree
Tax bracket explorer
Federal + provincial marginal rate at any income.
- CalculatorFree
RRSP refund estimator
Estimates the tax refund from an RRSP contribution at your marginal rate.
- CalculatorFree
Capital-gains inclusion rate
How the 50% inclusion rate (and proposed 2/3 above $250k) hits a realised gain.
- CalculatorFree
Charitable donation credit
Federal + provincial donation tax credit on cash + appreciated securities.
- CalculatorFree
Treaty withholding matrix
Canada-US and other treaty withholding rates on dividends, interest, royalties.
- CalculatorFree
Take-home pay
Canadian net pay: gross minus federal + provincial tax + CPP + EI. 2025 tax-year rates.
- CalculatorNewFree
Departure tax (deemed disposition)
Exit tax when you stop being a Canadian tax resident: deemed disposition with registered + Canadian real estate exempt.
- CalculatorNewFree
Government benefits (family)
GST/HST credit, Canada Workers Benefit, and Canada Child Benefit at your income, with phase-out preview.
- CalculatorNewFree
HBP + LLP repayment tracker
Required annual RRSP repayment and years remaining on the Home Buyers' Plan and Lifelong Learning Plan.
Investment · 16
- CalculatorFree
RRSP vs TFSA vs taxable
Which account wins given your current vs retirement marginal rate.
- CalculatorFree
MER drag on portfolio
Compounded fee cost over 20+ years.
- CalculatorPlus
Asset allocation
Age-based + risk-tolerance allocation guide.
- CalculatorPlus
CAD vs USD exposure
FX-risk read on your portfolio.
- CalculatorNewFree
Compound interest + future value
Project a balance with monthly compounding + monthly contributions.
- CalculatorNewFree
Net-worth tracker
Assets minus liabilities. Liquid net worth excludes home equity.
- CalculatorNewFree
Investment goal
Monthly contribution required to hit a target portfolio balance.
- CalculatorNewFree
Investment returns (inflation + tax)
Nominal, after-tax, and real FV side by side.
- CalculatorNewPlus
Savings + distribution (two-phase)
Accumulate for X years, then draw for Y years.
- CalculatorNewPlus
Investment property
Cap rate, cash flow, cash-on-cash return on a rental.
- CalculatorNewPlus
Investment loan (leverage)
Borrow at X% to invest at Y%. P&L after tax.
- CalculatorNewPlus
Investor risk profile
5-question quiz → risk band → suggested equity allocation.
- CalculatorNewFree
Stock option exercise
Cash to exercise, tax owed, after-tax proceeds (incl. CCPC).
- CalculatorNewFree
Annual stock-option grants
Paper value forecast if grants vest annually for N years.
- CalculatorNewFree
Recovery from a loss
% gain + years required to break even after a portfolio loss.
- CalculatorNewFree
Taxable vs tax-advantaged
TFSA vs non-registered FV at the same contribution rate.
Retirement · 16
- CalculatorPlus
Retirement planner
Full base-case projection: portfolio + CPP + OAS + RRIF minimums + provincial tax.
- CalculatorNewFree
CPP & OAS estimator
Estimates CPP as a likely range (with the general drop-out) and residency-adjusted OAS from your work and immigration history.
- CalculatorNewFree
Employer match optimizer
Group-RRSP / DCPP employer match captured vs left on the table, and what it compounds to by retirement.
- CalculatorNewFree
LIRA unlock estimator
How much of a locked-in retirement account can be unlocked to a RRSP/RRIF, by province, age, and balance.
- CalculatorPlus
Withdrawal calculator
Year-by-year drawdown across RRIF / TFSA / non-reg / LIRA.
- CalculatorPlus
Safe withdrawal rate (4%)
4% rule + variable rate against your nest egg + horizon.
- CalculatorPlus
Bear-market stress test
What if markets drop 25/35/50% the year you retire.
- CalculatorPlus
LIF max withdrawal
Locked-in retirement income, max withdrawal formula by jurisdiction.
- CalculatorPlus
Bond ladder vs annuity
Compare a self-built bond ladder against a SPIA annuity for income floor.
- CalculatorPlus
Retirement phases (go-go / slow-go / no-go)
Phase-adjusted spending: 100% early, 80% mid, 70% late.
- CalculatorPlus
Income floor / essential coverage
Match essential spending to guaranteed income (CPP + OAS + DBPP). Income-floor approach.
- CalculatorNewPlus
Three-bucket drawdown simulator
Time-horizon bucket strategy with refill cascade + Monte Carlo + canonical stress scenarios.
- CalculatorNewPlus
Retirement nest-egg target
How much do you need saved to retire on a target income?
- CalculatorNewPlus
Retirement income from savings
Sustainable annual + monthly income from your nest egg + CPP/OAS.
- CalculatorNewPlus
How long will my savings last
Years until depletion at a fixed annual draw + return.
- CalculatorNewPlus
RRIF minimum payment
Mandatory RRIF withdrawals + year-by-year balance trajectory.
Insurance · 4
- CalculatorFree
Life-insurance need
DIME: debts + income replacement + mortgage + education.
- CalculatorFree
Disability-insurance gap
Income replacement needed vs CPP-D + existing policy.
- CalculatorNewFree
Long-term care need
Estimated cost for facility care vs liquid assets.
- CalculatorNewFree
Human Life Value
PV of future income, less personal consumption.
Housing · Mortgage · 19
- CalculatorFree
Reverse mortgage / CHIP
Estimate income from a reverse mortgage.
- CalculatorFree
Mortgage paydown vs invest
After-tax comparison of extra mortgage vs equity investing.
- CalculatorFree
HELOC payoff strategy
How fast a HELOC drops with extra principal.
- CalculatorNewFree
Mortgage payoff
How much faster you pay off your mortgage with bi-weekly + extra payments.
- CalculatorNewFree
True cost of home ownership
Mortgage + tax + insurance + utilities + maintenance + condo.
- CalculatorNewFree
Mortgage payment calculator
Basic Canadian monthly payment + full amortization schedule.
- CalculatorNewFree
Mortgage qualifier
How big a mortgage can you qualify for given income + GDS/TDS.
- CalculatorNewFree
Home purchase calculator
Loan + payment derived from price + down payment + CMHC.
- CalculatorNewFree
Mortgage compare
Side-by-side comparison of three mortgage scenarios.
- CalculatorNewFree
Refinance interest savings
New rate vs old rate net of break penalty + legal.
- CalculatorNewFree
Maximum mortgage at different rates
Principal ladder across rate scenarios for a fixed payment.
- CalculatorNewFree
Max mortgage · flexible GDS / TDS
Borrow envelope with adjustable ratio ceilings.
- CalculatorNewFree
Bi-weekly payment savings
Accelerated bi-weekly cadence: months + interest saved.
- CalculatorNewFree
Combination (1st + 2nd) mortgage
Blended monthly payment when stacking a second mortgage.
- CalculatorNewFree
Interest-only mortgage
Monthly cost when principal never reduces. HELOC-style.
- CalculatorNewFree
Interest-only vs amortizing
Cash flow + equity built across both methods.
- CalculatorNewFree
Interest-only qualifier
Max principal an interest-only mortgage can carry at target monthly.
- CalculatorNewFree
Rent vs buy
Net cost comparison over the horizon, after equity + opportunity cost.
- CalculatorNewFree
Net proceeds from home sale
Sale price minus mortgage + realtor + legal + discharge.
Vehicle · Auto · 8
- CalculatorNewFree
20/4/10 car-buying rule
20% down · 4-yr max term · 10% of gross income max payment.
- CalculatorNewFree
True cost of car ownership
Loan + insurance + gas + maintenance + depreciation by tier.
- CalculatorNewFree
Auto loan
Monthly payment + total interest on a Canadian auto loan.
- CalculatorNewFree
Boat loan
Same engine as auto loan, calibrated for boats.
- CalculatorNewFree
Truck loan
Same engine as auto loan, calibrated for trucks.
- CalculatorNewFree
Auto rebate vs low-rate financing
Cash rebate or promo rate? Which saves more?
- CalculatorNewFree
Buy vs lease
Total cost over lease term, including terminal equity.
- CalculatorNewFree
Low-interest financing savings
Dollars saved with manufacturer promo rate vs standard.
Estate · 4
- CalculatorFree
CPP survivor benefit
Survivor-pension math; combined-cap rule when both at max.
- CalculatorFree
TFSA successor holder vs beneficiary
Why the distinction matters for keeping account room intact.
- CalculatorFree
Spousal RRSP
Income-splitting via spousal RRSP. 3-year attribution rule.
- CalculatorFree
Superficial loss
30-day repurchase rule that denies a capital loss.
Personal · 4
- CalculatorNewFree
Life-expectancy estimator
Canadian StatCan-anchored remaining-life estimate.
- CalculatorNewFree
Credit-score self-assessment
Rough Equifax / TransUnion-style score from 5 inputs.
- CalculatorNewFree
Student budget
Monthly inflows vs outflows for a Canadian student.
- CalculatorNewFree
Chequebook balancer
Reconcile bank statement against your register.