Free tools
Run your own numbers.
Simple, transparent calculators built for Canadian rules. Every tool shows exactly how it does the math, so you learn the idea, not just the answer. No sign-up. No spreadsheet.
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Budget Builder
Turn your real income and expenses, at the frequency you actually pay them, into a monthly budget with a 50/30/20 split and a bottom line.
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13 toolsBudget Builder
Turn your real income and expenses, at the frequency you actually pay them, into a monthly budget with a 50/30/20 split and a bottom line.
Debt Payoff: Snowball vs Avalanche
List your debts and compare payoff date and total interest under snowball (smallest balance first) versus avalanche (highest rate first).
Emergency Fund Calculator
Work out how big your buffer should be from your own monthly essentials, then see how long a steady contribution takes to get there.
Mortgage Payment (Canada)
Payment, total interest, and balance-at-term using correct Canadian semi-annual compounding, the part US calculators get wrong.
Net Worth Calculator
List what you own and what you owe to get one honest number you can track month to month, with a spreadsheet to keep it in.
Savings Goal Calculator
Set a per-payday amount and watch your milestones light up, or name a goal and a date and see exactly what to set aside each payday.
Compound Growth Calculator
See what regular contributions grow to over time, with the growth split out from what you put in. Illustrative, not a forecast.
CPP / OAS Estimator
A rough estimate of your monthly CPP and OAS by the age you start them, showing the cost and benefit of delaying.
Retirement Number
Translate the annual spending you want in retirement into a target nest egg, using a safe-withdrawal assumption (4% by default, adjustable).
DTC Eligibility Walkthrough
A plain-language walkthrough of whether you may qualify for the Disability Tax Credit, and what the next step is.
RDSP Grant & Bond Estimator
Estimate the government grant and bond on your RDSP contributions by family income, both per year and over a lifetime.
Take-Home Pay by Province
Gross to net pay by province, with the full deduction breakdown: federal tax, provincial tax, CPP/QPP, and EI, plus your average and marginal rate.
TFSA vs RRSP
Compare the after-tax outcome of a dollar in a TFSA versus an RRSP, given your marginal rate now and the rate you expect in retirement.