Thirty free tools. No sign-up, no sales pitch — pick the one that matches your question.
Showing 30 of 30 tools.
What will my take-home pay be?
Canadian Paycheck Calculator
See your 2026 take-home pay — federal and provincial tax, CPP and EI, net per paycheque — for any salary and province.
2026 rules · Verified November 8, 2026
How much mortgage can I afford, and what will it cost?
Canadian Mortgage Calculator
Your real monthly payment, with Canadian semi-annual compounding, CMHC insurance and the stress test.
2026 rules · Verified November 8, 2026
How much mortgage can I actually qualify for?
Mortgage Affordability Calculator
Your maximum home price and mortgage under the CMHC GDS and TDS limits at the stress-test rate.
2026 rules · Verified November 9, 2026
How much land transfer tax will I pay?
Land Transfer Tax Calculator
Ontario, Toronto, BC and Quebec land transfer tax by bracket, with first-time buyer relief.
2026 rules · Verified November 9, 2026
How much cash do I need on closing day?
Closing Costs Calculator
Itemized cash to close: down payment, land transfer tax, legal fees, title insurance, and the sales tax on the CMHC premium.
2026 rules · Verified November 9, 2026
Am I better off renting or buying?
Rent vs Buy Calculator
The true 5- and 10-year net cost of renting versus buying a home in Canada, on your assumptions.
2026 rules · Verified November 9, 2026
How much FHSA room do I actually have?
FHSA Room Calculator
Work out your First Home Savings Account participation room — $8,000 a year, $40,000 lifetime, with at most $8,000 carried forward.
2026 rules · Verified November 9, 2026
What will my payment be at renewal, and what would switching save me?
Mortgage Renewal Calculator
Renewal offer vs switch offer: payment, interest over the term, balance at the end, and the early-break penalty.
2026 rules · Verified November 11, 2026
What does my full amortization schedule look like, and what do extra payments save me?
Mortgage Amortization Calculator
Payment, payoff time, total interest and a year-by-by schedule, plus extra-payment and lump-sum savings.
2026 rules · Verified November 11, 2026
What will it cost to sell my home, and what do I actually walk away with?
Real Estate Commission Calculator
Commission, tax on commission by province, and net proceeds after mortgage, legal and other costs.
2026 rules · Verified November 11, 2026
How much income tax will I owe in total?
Canadian Income Tax Calculator
Estimate your full 2026 tax bill — federal and provincial — and see what an RRSP contribution saves you.
2026 rules · Verified November 9, 2026
What’s my marginal tax rate?
Marginal Tax Rate Calculator
Know the rate your next dollar is taxed at — federal and provincial — and how much room is left in your bracket.
2026 rules · Verified November 9, 2026
How much tax on this capital gain?
Capital Gains Tax Calculator
The tax on a gain at the flat 50% inclusion rate, using your actual province and marginal rate — not a rough guess.
2026 rules · Verified November 9, 2026
Do I add tax, remove tax, or work out the taxable amount?
GST & HST Calculator
Add or remove GST, HST, PST and QST in any province — with Quebec’s GST and QST worked out as separate lines.
2026 rules · Verified November 9, 2026
Where should I put my next $1,000?
RRSP vs TFSA Calculator
Which account first, at your actual marginal rate — not a rule of thumb.
2026 rules · Verified November 8, 2026
How much TFSA room do I have?
TFSA Contribution Room Calculator
Add up your TFSA room since 2009 or the year you turned 18, count withdrawals, and see your room today and on January 1.
2026 rules · Verified November 8, 2026
Which card is right for you?
Which Card Is Right for You?
Answer six quick questions and get one card recommendation from the eight verified Canadian cards we track.
Terms verified November 8, 2026 · How we rate
What’s the best card for your actual spending?
Credit Card Rewards Optimizer
Compare one flat-rate card against the five-card system on your actual monthly spending.
Terms verified November 8, 2026 · How we rate
How do Canada’s best cards stack up?
Compare Credit Cards
Eight verified Canadian cards side by side — annual fees, earn rates and foreign-transaction fees.
Terms verified November 8, 2026 · How we rate
How long until this card is paid off — and what will it cost me?
Credit Card Payoff Calculator
Months to debt-free, total interest and payoff date — at a fixed payment or on minimums only.
Methodology verified November 9, 2026
What’s the payment on this loan?
Loan Calculator
Monthly or bi-weekly payment, total interest and total cost, with a year-by-year amortization table.
Methodology verified November 9, 2026
What’s my fastest way out of debt?
Debt Payoff Calculator
Snowball vs avalanche on all your debts at once — debt-free dates, total interest, payoff order and a free spreadsheet twin.
Methodology verified November 9, 2026
What am I still paying for that I never use?
Subscription & Fee Leak Finder
Audit your streaming, apps, gym, bank and card fees, mark what you still use, and see how much is leaking.
Methodology verified November 8, 2026
How does my monthly spending stack up against the 50/30/20 rule?
Budget Calculator
Sort your spending into needs, wants and savings, compare each bucket with the 50/30/20 targets, and see what your savings could become.
Methodology verified November 11, 2026
How big should my emergency fund be, and how long until I get there?
Emergency Fund Calculator
Work out the target for 3, 6, 9, or 12 months of essential expenses, and how long your monthly contributions will take to get you there.
Methodology verified November 11, 2026
What am I actually worth, assets minus debts?
Net Worth Calculator
Add up what you own, subtract what you owe, and see your net worth, debt-to-assets and liquid assets.
Methodology verified November 11, 2026
When is my next benefit payment?
Benefit Payment Dates
Every 2026 payment date for CPP, OAS, the Canada Child Benefit, the Disability Benefit, the Groceries and Essentials Benefit and Ontario Trillium — with your next payment worked out for today.
Dates verified November 12, 2026
How much of the $7,200 RESP grant can we still claim?
RESP CESG Catch-up Calculator
Find out how much Canada Education Savings Grant your child has left, and the yearly contribution needed to catch up.
2026 rules · Verified November 8, 2026
How much Canada Child Benefit will we get?
Canada Child Benefit Calculator
Your monthly CCB by income and children’s ages — the phase-out, the Child Disability Benefit, and the income where it reaches $0, plus when each payment lands.
2026 rules · Verified November 9, 2026
What could my savings actually become?
Compound Interest Calculator
Project growth with monthly contributions, or work backwards from a goal to the time and monthly amount it takes.
Methodology verified November 9, 2026
Every calculator shows its assumptions on its own page. Card scores follow our published methodology (how we rate). Rates and terms are re-checked monthly; tax figures use the 2026 rules verified November 8, 2026.
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Credit Cards · Mortgages · RESP & Family Money · RRSP & TFSA · Everyday Money