Canadian Financial Calculators
Free, accurate financial tools built specifically for Canadians. No sign-up required.
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Mortgage Calculator
Monthly payments & amortization schedule
Mortgage Affordability
OSFI stress test, GDS & TDS ratios
First Home Buyer Costs
CMHC, LTT, legal fees & closing costs
Land Transfer Tax
All provinces, first-time buyer rebates
Home Equity & HELOC
Equity, LTV & HELOC borrowing limit
Rent vs Buy
True 5, 10 & 25-year financial comparison
TFSA Calculator
Growth projections & contribution room
RRSP Calculator
Growth & tax refund by province
FHSA Calculator
First Home Savings Account planner
TFSA Room Calculator
Your 2026 contribution room by birth year
RRSP Contribution Room
2026 deduction limit with pension adjustment
RESP Calculator
Growth with 20% Canada Education Savings Grant
RRIF Calculator
Mandatory withdrawals using CRA prescribed factors
Compound Interest
Investment growth over time
Income Tax Calculator
Federal & provincial tax, all 13 provinces
Paycheck Calculator
Take-home pay after tax, CPP & EI
Marginal vs Effective Rate
Your 2026 tax rates, all provinces compared
Capital Gains Tax
50% inclusion, LCGE, all provinces
Dividend Tax Credit
Eligible & non-eligible dividends, all provinces
GST/HST Calculator
Add or remove sales tax, all provinces
Retirement Calculator
CPP, OAS & personal savings projections
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