Canadian Financial Calculators
Free, comprehensive calculators tailored for Canadians. Plan your finances with TFSA, RRSP, mortgage calculations, and more - all in one place.
Retirement & Savings
RRSP Calculator
Determine your RRSP contribution limit based on your earned income, carryforward room, and pension adjustments. Estimate your tax savings for 2025 and 2026.
TFSA Calculator
Calculate your Tax-Free Savings Account contribution room based on your age, residency status, and contribution history. Includes tips for new Canadian residents.
RRIF Withdrawal Calculator
Calculate your mandatory minimum RRIF withdrawals and estimated withholding tax based on your age, balance, and province of residence.
FHSA Calculator
Plan your First Home Savings Account contributions with tax deduction estimates, projected investment growth, and annual contribution limits for first-time buyers.
RESP Calculator
Calculate RESP contributions with Canada Education Savings Grant (CESG) matching, projected growth, and estimated education savings for your child.
RDSP Calculator
Calculate RDSP contributions with Canada Disability Savings Grant and Bond estimates. Plan long-term savings with government matching for eligible Canadians.
Retirement Plan Calculator
Plan your retirement savings with personalized projections. Estimate how much you need to save based on your age, income, CPP/OAS benefits, and desired lifestyle.
Retirement Payout Calculator
Plan your retirement withdrawals from RRSP, TFSA, and non-registered accounts. See how long your savings will last with sustainable withdrawal strategies.
Pensions & Government Benefits
CPP Benefit Calculator
Compare your monthly CPP retirement benefit at every claim age from 60 to 70. Includes actuarial adjustments, lifetime value, and breakeven analysis.
QPP Benefit Calculator
Compare your monthly QPP retirement benefit at every claim age from 60 to 72. Quebec now lets you defer to age 72 for up to +58.8%, versus age 70 for CPP.
OAS Benefit Calculator
Estimate your monthly OAS benefit at any claim age from 65 to 70. Includes deferral premium, partial pension for limited residency, and lifetime value to age 90.
OAS Clawback Calculator
Calculate the OAS recovery tax on your retirement income. See exactly how much Old Age Security you keep at any income level, with the 2026 threshold of $95,323.
Canada Child Benefit (CCB) Calculator
Estimate your monthly Canada Child Benefit for 2026. Includes the AFNI phase-out, Child Disability Benefit, and a per-child breakdown.
Other calculators
Mortgages, Loans & Financing
Mortgage Calculator
Calculate monthly mortgage payments, view detailed amortization schedules, and estimate CMHC insurance premiums for Canadian homebuyers.
Mortgage Affordability Calculator
See how much home you can afford in Canada with the OSFI stress test. Solves for max purchase price using GDS, TDS, the qualifying rate, and CMHC tiers.
CMHC Insurance Calculator
Calculate your CMHC mortgage insurance premium based on down payment percentage. See the exact premium tier (2.80%, 3.10%, or 4.00%) and how it affects your monthly payment.
Mortgage Renewal Calculator
Compare mortgage renewal offers side-by-side, calculate potential savings with lower rates, and plan prepayment strategies for your next term.
Rent vs Buy Calculator
Year-by-year comparison of renting vs buying a home in Canada. Includes mortgage amortization, CMHC, home appreciation, and the opportunity cost on your down payment.
Rental Property Calculator
Full Canadian rental property analysis: cash flow, cap rate, CCA tax shield, capital gains at 50% inclusion, recapture, and holding-period return. All provinces.
Other calculators
Land Transfer Tax Calculator
Calculate Canadian land transfer tax for any province, including Toronto MLTT and Quebec welcome tax. See first-time buyer rebates and total cost at closing.
Loan Payment Calculator
Determine monthly loan payments, total interest costs, and amortization schedules for any type of loan including car loans and personal lines of credit.
HELOC Calculator
Find your maximum home equity line of credit under the 65% and 80% Canadian rules, then model interest-only versus a fixed monthly payment.
Student Loan Repayment Calculator
Plan your Canada Student Loan repayment by province. See your monthly payment, the federal and provincial split, and where an extra payment saves the most interest.
Other calculators
Auto Loan Calculator
Calculate Canadian auto loan monthly payments with provincial sales tax, full amortization, and accelerated biweekly savings.
Other calculators
Tax & Income Tools
Canadian Tax Calculator
Calculate your 2025 and 2026 federal and provincial income tax for all Canadian provinces. Includes Quebec-specific calculations with QPP and QPIP.
Paycheck Calculator
Estimate your Canadian take-home pay by province for 2026. Includes federal and provincial tax, CPP, CPP2, EI, and QPP/QPIP for Quebec residents.
GST / HST Calculator
Calculate GST, HST, PST, QST, and RST for any Canadian province. Add tax to a net amount or strip tax from a gross amount with a full breakdown.
Capital Gains Tax Calculator
Calculate capital gains tax in Canada for 2026. Uses the 50% inclusion rate (the 66.67% proposal was cancelled). Federal and provincial brackets, with LCGE support.
Dividend Tax Calculator
Calculate tax on Canadian eligible and non-eligible dividends with the gross-up and the federal and provincial dividend tax credits.
Charitable Donation Tax Credit Calculator
Calculate the federal and provincial tax credit on your charitable donations, and what the gift actually costs you after the credit.
Self-Employment Tax Calculator
Calculate Canadian self-employment tax for 2026: federal and provincial income tax, double CPP/QPP, QPIP for Quebec, EI opt-in, quarterly instalments, and GST/HST registration flag.
Credit Card Payoff Calculator
Plan to clear credit card debt with single-card extra payments or multi-card snowball vs avalanche comparison. Months to debt-free and total interest.
Budget Calculator
Track your monthly income and expenses across categories to manage your budget. Identify spending patterns and find opportunities to save more each month.
Inflation Calculator
Calculate the impact of inflation on your purchasing power over time. See how the value of your money changes based on historical and projected inflation rates.
Investment Tools
Interest Calculator
Calculate simple and compound interest on your savings, loans, and investments. Compare how different rates and compounding frequencies affect your returns.
Present Value Calculator
Calculate the current value of future cash flows and investments using discount rates. Useful for comparing investment opportunities and financial planning.
Future Value Calculator
Calculate how your investments will grow over time with compound interest and regular contributions. Plan your savings goals with projected future values.
Investment Growth Calculator
Project how much your investments will grow with regular contributions, an expected return, fees and inflation. Shows nominal and real values.
Bond Calculator
Calculate bond prices, yields, and total returns for your fixed-income investments. Compare coupon rates, maturity dates, and yield-to-maturity calculations.
Bond Comparison Calculator
Compare up to four bonds side by side. Yield to maturity, effective annual yield, current yield, annual income and total return in one table so you can pick the better bond.
Banking & GICs
GIC Calculator
Calculate the interest and maturity value of a Canadian GIC at any term, with simple or compound interest and an after-tax view.
GIC Ladder Calculator
Build a GIC ladder, see when each rung matures and what it is worth, and compare the ladder against a single 1-year or 5-year GIC.
Insurance
Life Insurance Calculator (DIME)
Work out how much life insurance you need using the DIME method: Debt, Income, Mortgage and Education, less what you already have.
Child Life Insurance Calculator
Estimate a realistic child life insurance amount from final expenses and parental time off work, and see where it belongs in your priorities.
Disability Insurance Calculator
Calculate the monthly disability benefit you need, what your group plan actually pays after tax, and the gap between the two.
Critical Illness Insurance Calculator
Size the tax-free lump sum you would need after a serious diagnosis: months of income, out-of-pocket costs and debt payments during recovery.
Learn
Financial Planning Resources
Explore our blog for expert insights, guides, and tips on Canadian financial planning, retirement strategies, tax optimization, and more.
Financial Dictionary
Canadian finance terms, explained in plain language.
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