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.
All tools
13 toolsBudget Builder (50/30/20)
Turn your monthly take-home pay into needs, wants and savings targets, with adjustable ratios. The 50/30/20 split is a common framework, not advice.
Debt Payoff: Snowball vs Avalanche
List your debts and compare the two payoff strategies on your actual numbers: payoff date and total interest under snowball (smallest balance first) versus avalanche (highest rate first).
Emergency Fund Calculator
Work out how big your emergency fund should be from your own monthly essentials and situation: pick a 3-to-6-month buffer, see your target, and watch how a steady monthly contribution builds it over time. Figures are illustrative; the paired guide explains the why.
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, and see your net worth: one honest number you can track over time. A guided balance sheet with grouped asset and liability prompts, and a downloadable spreadsheet with the totals baked in as live formulas, so you can reuse it as a monthly tracker. Client-side math; nothing is saved or sent.
Savings Goal Calculator
Pick a goal amount and a date, and see the monthly amount it takes to get there, with or without interest.
Compound Growth Calculator
See what regular contributions grow to over time, with the growth split out from what you put in. Returns are illustrative; the point is the shape of compounding, 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. An estimate, not a Service Canada statement.
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 to orient whether you may qualify for the Disability Tax Credit and what the next step is. This is orientation, not a determination.
RDSP Grant & Bond Estimator
Estimate the government grant (CDSG) and bond (CDSB) on RDSP contributions by family income, per year and over a lifetime. Eligibility requires the Disability Tax Credit.
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.