Made in Canada, for Canadians
Know your numbers before you borrow
Free calculators and honest guides for Canadian mortgages, loans, debt payoff, and savings — CMHC insurance, GDS/TDS rules, GICs, TFSAs and all. No sign-up, no email gate — just answers.
Free financial calculators
Every tool runs instantly in your browser. No account, no download — and your numbers never leave your device.
Mortgage Calculator
Estimate your monthly mortgage payment, total interest, and full amortization schedule with taxes and insurance.
Open calculator MortgageMortgage Stress Test Calculator
Find out how much home you actually qualify for under Canada's federal stress test — GDS/TDS limits, qualifying at your contract rate + 2% or 5.25%, whichever is higher.
Open calculator IncomeSales Tax Calculator
Add or remove GST, HST, PST, RST and QST for any province or territory, with the federal and provincial portions shown separately.
Open calculator MortgageLand Transfer Tax Calculator
Land transfer tax for every province — including Toronto's double tax and first-time buyer rebates in Ontario, BC, and PEI.
Open calculator SavingsRRSP vs TFSA Calculator
Compare after-tax outcomes of RRSP vs TFSA contributions based on your tax rate today versus retirement — see which account wins for you.
Open calculator MortgageRent vs Buy Calculator
The honest comparison: net worth after 5–35 years of buying with a Canadian mortgage versus renting and investing the difference.
Open calculator IncomeIncome Tax Calculator
Estimate your 2026 Canadian take-home pay: federal + provincial tax, CPP and EI, effective and marginal rates, for every province and territory.
Open calculator SavingsNet Worth Calculator
Calculate your net worth — assets minus debts — with liquid vs home-equity split and a 5/10-year projection from your savings rate.
Open calculator SavingsFHSA Calculator
Project your First Home Savings Account: tax-free down payment growth, contribution limits, and the refunds the deduction gives back.
Open calculator LoansLoan Payment Calculator
Calculate monthly payments (EMI), total interest, and payoff date for any fixed-rate loan.
Open calculator LoansAuto Loan Calculator
Figure out your car payment with down payment, trade-in, taxes, and fees included.
Open calculator LoansPersonal Loan Calculator
Compare personal loan offers: monthly payment, APR impact, and total cost of borrowing.
Open calculator SavingsCompound Interest Calculator
See how your money grows with compounding. Project savings with regular contributions.
Open calculator SavingsSavings Goal Calculator
Find out how much to save each month to hit any financial goal by your target date.
Open calculator DebtDebt Payoff Calculator
Plan your debt-free date with the snowball or avalanche method across multiple debts.
Open calculator MortgageMortgage Refinance Calculator
Calculate your break-even point and lifetime savings when refinancing a Canadian mortgage, including the prepayment penalty, with semi-annual compounding.
Open calculator DebtCredit Card Payoff Calculator
See how long it takes to pay off a credit card and how much interest you will pay.
Open calculator IncomeSalary to Hourly Calculator
Convert salary to hourly, weekly, biweekly, and monthly pay — and back again.
Open calculator IncomeCPP & OAS Calculator
Estimate your monthly CPP and OAS retirement income by earnings history, years in Canada, and the age you start — plus the 4%-rule nest egg to cover the gap.
Open calculator LoansCar Affordability Calculator
How much car can you afford? The 20/4/10 rule with your real income — max price before tax, provincial sales tax included, and the 84-month loan trap quantified.
Open calculator MortgageHELOC Calculator
How much home equity can you access? Applies the 65% HELOC cap and the 80% total-borrowing ceiling, then prices the interest-only payment — including a +2% rate shock.
Open calculator SavingsTFSA Growth Calculator
Project your TFSA: tax-free growth on your contributions, the dollar value of the shelter vs a taxable account, and what waiting five years costs you.
Open calculator SavingsGIC Calculator
GIC maturity value, interest earned, after-tax yield at your marginal rate, and the real inflation-adjusted return — sheltered vs taxable compared.
Open calculator SavingsRetirement Calculator
Will you have enough? Projects your nest egg, converts it to 4%-rule monthly income with CPP/OAS stacked on, and prices the exact monthly saving needed to close any gap.
Open calculator MortgageMortgage Penalty Calculator
What it costs to break your mortgage: three months' interest vs the IRD, which method applies, and how much the prepay-first trick saves.
Open calculator MortgageDown Payment Calculator
Minimum down payment for any Canadian home price, the CMHC premium at your tier, total mortgage, monthly payment, and real cash-to-close including costs.
Open calculatorBank of Canada rate today
The policy rate and prime, live from the Bank, and what a move costs you →
Canada's 2026 key numbers
Tax brackets, CPP, EI, TFSA, RRSP and FHSA limits in one place →
How much mortgage on your salary?
Stress-tested home prices for incomes from $40k to $200k →
Payment on any mortgage amount
Monthly payments on $300k–$1.5M at 2026 rates, with total interest →
Take-home pay on any salary
After-tax income on $40k–$200k in all 13 provinces and territories →
What your hourly wage pays a year
$15–$100 an hour converted to annual pay, before and after tax →
Salary after tax in your province
Take-home, brackets and marginal rates for each of the 13 provinces →
Guides by topic
Mortgages, taxes, investing, debt, retirement, credit and insurance →
No Sign-Up, Ever
No accounts, no paywalls, no "enter your email for results." Every tool is free and instant.
Private by Design
All calculations run on your device. We never see — or store — your numbers.
Proudly Canadian
Built in Canada around Canadian rules: CMHC, GDS/TDS, GICs, TFSAs, RRSPs — not recycled US advice.
Latest guides
Plain-English answers to real money questions, written for Canadians.
The Canada Child Benefit: How Much You Get, the Income Thresholds, and How to Maximize It
The Canada Child Benefit pays up to $8,157 per child under 6 and $6,883 per child 6-17 per year (July 2026 to June 2027), tax-free, dropping as family income passes $38,237. The payment schedule, the clawback math, and the moves that increase your benefit.
Insurance & ProtectionCar Insurance in Canada: How Premiums Are Set and 9 Legal Ways to Pay Less
Canadian car insurance costs $1,300-$3,500+ a year depending on province and driver — Ontario and BC are the most expensive. How insurers price you, the coverage you actually need, and nine proven ways to cut the premium without cutting protection.
Retirement PlanningCPP Survivor Benefits and OAS After a Spouse Dies: What Widows and Widowers Actually Get
CPP survivor benefits pay up to 60% of the deceased spouse's CPP — but combined with your own CPP, the total is capped at the maximum single benefit, meaning many survivors get little or nothing extra. OAS has no survivor benefit but the Allowance for the Survivor helps low-income survivors aged 60-64. The rules every couple should know.
Credit Cards & Credit ScoreHow to Freeze Your Credit and Report Identity Theft in Canada
Credit freezes are free in Quebec and, since July 2026, in Ontario; everywhere else in Canada the main tool is a free fraud alert with Equifax and TransUnion. How to lock down your credit and the exact steps after identity theft.
Insurance & ProtectionHome Insurance in Canada: What's Covered, What's Not, and How Premiums Are Set
Canadian home insurance costs $1,000-$3,000+ a year and covers the structure, contents, and liability — but overland flooding, sewer backup, and earthquakes usually need separate endorsements. The coverage traps that void claims and six ways to cut the premium.
Loans & Debt PayoffOSAP and Student Loan Repayment in Canada: Grace Periods, RAP, and the Payoff Math
Canadian student loans have a 6-month grace period (no interest federally), a Repayment Assistance Plan that can reduce or eliminate payments at low incomes, and tax-deductible interest. How OSAP repayment actually works and when to pay aggressively vs carry the loan.