40 Free Calculators · Built for Canadian Rules · No Sign-Up

Canada's Sharpest
Financial Calculators

TFSA, RRSP, FHSA, CPP, OAS, mortgage stress test — every calculator built for Canadian tax rules, CRA regulations, and provincial variations.

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CRA2026 Rules
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Registered Accounts
10
TFSA Calculator HOT
TFSA growth with 2026 contribution room ($7,000 new). Tax-free compounding.
RRSP Calculator HOT
RRSP contribution, tax deduction and retirement corpus at 71 (RRIF conversion).
FHSA Calculator NEW
First Home Savings Account — $8,000/year, $40,000 lifetime. Tax deduction + tax-free growth.
RRSP vs TFSA
RRSP vs TFSA: which saves you more? Depends on your current vs retirement tax rate.
RRSP Contribution Limit
Your 2026 RRSP contribution room — 18% of prior year earned income, max $32,490.
RESP Calculator
RESP growth with CESG (20% on first $2,500/year). Education fund for children.
TFSA Contribution Room
Your total TFSA room based on year you turned 18 plus annual limits.
RDSP Calculator
Registered Disability Savings Plan with CDSG grant and CDSB bond projection.
RRIF Calculator
Mandatory RRIF minimum withdrawals by age. RRSP to RRIF conversion at 71.
Locked-In RRSP (LIRA)
Locked-in retirement account rules and projected unlocking ages by province.
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Mortgage & Property
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Mortgage Calculator HOT
Canadian mortgage with semi-annual compounding, CMHC insurance and stress test.
Mortgage Stress Test HOT
B-20 stress test qualifying rate — 5.25% or contract rate +2%, whichever is higher.
CMHC Insurance Calculator
CMHC mortgage default insurance premium for down payments under 20%.
Land Transfer Tax
Provincial land transfer tax for Ontario, BC, Quebec, and other provinces.
Rent vs Buy — Canada
Financial comparison for Canadian housing market including land transfer tax.
Home Affordability Canada
Maximum home price based on income, GDS/TDS ratios and stress test qualification.
Property Transfer Tax — BC
BC PTT calculation with first-time buyer exemption and newly built home exemption.
Home Equity Calculator
Available equity for HELOC based on Canadian lending rules (max 80% LTV).
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Tax & Income
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Income Tax Calculator HOT
Federal + provincial income tax for 2026. All provinces. Combined marginal rates.
Salary Calculator — Ontario HOT
Ontario take-home: federal + ON provincial tax + CPP + EI deductions.
Salary Calculator — BC
BC take-home: federal + BC provincial tax + CPP + EI deductions.
Salary Calculator — Alberta
Alberta has Canada's lowest flat provincial rate (10%). Take-home calculation.
CPP Calculator
CPP monthly benefit estimate based on contributions and retirement age (60–70).
OAS Calculator
Old Age Security monthly benefit and clawback threshold for 2026 ($90,997).
CPP + OAS + GIS Total
Combined CPP, OAS and GIS retirement income estimate for any retirement age.
Capital Gains Tax Canada
2026 capital gains: 50% inclusion under $250K, 66.67% above. Federal + provincial.
Dividend Tax Calculator
Canadian eligible vs non-eligible dividend tax with gross-up and dividend tax credit.
GST/HST Calculator
GST/HST by province. Ontario 13%, BC 12%, Alberta 5%, NS 15% — add or remove.
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Financial Planning
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FIRE Calculator — Canada
Canadian FIRE number accounting for CPP, OAS income and provincial tax in retirement.
Emergency Fund — Canada
Target emergency fund for Canadian cost of living. Keep in TFSA for tax-free growth.
Net Worth — Canada
Total Canadian net worth including RRSP, TFSA, property equity and all liabilities.
Debt Payoff Calculator
Fastest path to debt freedom. Snowball and avalanche strategy comparison.
Compound Interest — Canada
Investment growth compounded annually, semi-annually or monthly. TFSA context.
Inflation Calculator — Canada
Real purchasing power of CAD over time. Bank of Canada 2% target vs actual CPI.
Education Savings (RESP)
Monthly RESP contribution needed for any post-secondary education goal.
Car Loan Calculator — Canada
Monthly car payment with HST, trade-in, down payment and full amortization.