Canadian Finance Calculators

Compare home affordability across 20 Canadian cities. See where you qualify, monthly costs, income needed, and land transfer tax — side by side.

Calculate your monthly payment, CMHC insurance, stress test, total interest, and full amortization schedule.

Find the maximum home price a lender will approve using GDS/TDS ratios and the stress test. Includes debt impact and conservative vs maximum scenarios.

Should you break your mortgage early? Calculate the IRD penalty, total costs, monthly savings, and exact break-even point. Big bank vs monoline comparison.

Compare 15, 20, 25, and 30-year amortization side by side — see total interest paid and monthly payment differences.

Calculate provincial land transfer tax for every province. Includes Toronto municipal LTT, first-time buyer rebates, and a province-by-province comparison.

Compare the true cost of renting vs buying — monthly costs, 10-year net worth, break-even year, stress test, and provincial down payment assistance programs.

Calculate tax on rental income after expenses, CCA, and deductions. See your net rental income, marginal rate, and year-over-year cash flow across all provinces.

Find the optimal pay mix for your Canadian corporation. Compare after-tax income, RRSP room, CPP trade-offs, and total tax burden for all provinces. 2025 rates.

Calculate exact take-home pay after income tax, CPP/QPP, EI, RRSP, and benefits. All provinces, all pay frequencies. Includes pay stub view and raise impact.

Calculate income tax, CPP (both sides), business deductions, and quarterly instalments for Canadian freelancers and business owners.

Calculate federal & provincial income tax, CPP, EI, and take-home pay for 2024 & 2025.

Calculate capital gains tax under the 2024 inclusion rate changes. Compare old vs new rules, apply principal residence exemption, and see your net proceeds.

Calculate your federal + provincial donation tax credit. See what your generosity truly costs after tax — and why donating securities beats cash.

Calculate your quarterly CRA tax instalments for 2025. Compare all three CRA methods, get your payment schedule, penalty estimates, and self-employed CPP breakdown.

Calculate your federal and provincial political contribution tax credits. See the three-tier federal credit structure and your true net cost — often just 25 cents on the dollar.

Calculate your outstanding CERB balance, the tax deduction you'll receive when you repay, your true net out-of-pocket cost, and monthly payment plan options.

First Canadian tax return — world income, partial year, T1135, benefits

Students, first jobs, gig workers — refund, tuition credits, GST, TFSA

Calculate your available RRSP room for 2024 & 2025. Get your estimated tax refund, check for over-contributions, and see how your contribution grows.

Project your First Home Savings Account growth, tax savings, and years to your down payment goal.

Calculate compound interest on GICs and high-interest savings accounts. Compare rates, compounding frequencies, and tax impact across account types.

Project RESP growth with CESG grants, Additional CESG, Canada Learning Bond, and Quebec QESI. Includes year-by-year schedule and university cost coverage.

Project your TFSA balance with investment type presets, contribution room tracker, tax savings estimate, and year-by-year growth chart.

Side-by-side after-tax comparison, break-even retirement rate, refund reinvestment strategy, and a personalized recommendation for your income and province.

Project portfolio growth with lump sum and monthly contributions. Compare TFSA, RRSP, and taxable accounts with inflation-adjusted returns, tax drag, and scenario comparisons.

The simplest budgeting rule — 50% needs, 30% wants, 20% savings. See how your spending stacks up and get personalized tips.

Calculate everything you own minus everything you owe. Compare to Canadian median by age and track your wealth-building progress.

Calculate your ideal emergency fund size based on essential expenses, job stability, and household situation. See savings milestones and time to goal.

See how fast you can get debt-free. Compare avalanche vs snowball strategies, extra payment impact, and refinancing options.

Calculate your monthly car payment, total interest, and true cost of ownership. Includes provincial sales tax, loan term comparison, down payment impact, and extra payment savings.

See the true cost of making only minimum payments and how much you save by paying a fixed amount or extra each month.

Calculate mandatory minimum withdrawals by age, tax impact, OAS clawback risk, and how long your RRIF will last. Includes spouse age election and year-by-year schedule.

Estimate your Old Age Security and Guaranteed Income Supplement. Includes clawback, deferral comparison, partner Allowance, and total government retirement income.

Estimate your monthly CPP payments at 60, 65, or 70. Find your breakeven age and maximize your lifetime benefit.

Project your retirement income from RRIF, CPP, OAS, TFSA, and pension. Year-by-year drawdown to age 95, OAS clawback warnings, pension income splitting, and spouse scenarios.