Smart calculators
for your financial life.
Free, accurate financial calculators built for Canadians. No sign-up required.
Calculators
30 free calculators built specifically for Canadians.
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
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Built for Canadian Personal Finance
Canadian personal finance is genuinely different. TFSAs, RRSPs, CPP, OAS, CMHC, the mortgage stress test, HST, land transfer tax — these are Canadian realities that generic calculators from the US ignore or get wrong. Every tool on Northern Numbers is built specifically for Canada, uses current 2026 rates, and is completely free.
Registered Accounts
TFSA growth projections, TFSA contribution room by birth year, RRSP growth and tax refund estimates, FHSA first-home savings, RESP with Canada Education Savings Grant, and RRIF minimum withdrawal schedules using official CRA prescribed factors.
Real Estate & Mortgages
Mortgage payments with Canadian semi-annual compounding, mortgage affordability using the OSFI stress test and GDS/TDS ratios, land transfer tax for all 13 provinces including Toronto municipal tax and first-time buyer rebates, and a rent vs buy comparison.
Tax Calculators
Federal and provincial income tax for all 13 provinces and territories using 2026 brackets, take-home paycheck calculator with CPP, CPP2, and EI, GST/HST calculator for all provinces, and an inflation calculator using Canadian CPI data.
Retirement Planning
CPP benefit estimates at age 60, 65, and 70 with deferral bonuses, OAS pension with GIS eligibility and clawback thresholds, and RRIF minimum withdrawals by age with year-by-year balance projections — all using 2026 CRA rules.
Always Free. Always Accurate.
Northern Numbers is free to use with no account, no paywall, and no locked features. Every calculator is built from primary sources — CRA tables, Statistics Canada data, OSFI guidelines, and provincial government schedules — and updated when rates change. We are based in Ontario, Canada.
Results are estimates for planning purposes. Always verify important figures with your financial institution, CRA My Account, or a qualified advisor before making major financial decisions. See our full disclaimer.