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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17 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 a starting amount and a steady monthly contribution grow to over any number of years, with the growth split out from what you put in.
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.
OAS Clawback Checker
Your net income in, the recovery tax out, plus how much room is left before the clawback threshold starts.
Retirement Number Calculator
Turn the yearly spending you want in retirement into a savings target, using the other income you expect and a withdrawal rate you choose.
RRIF Minimum Withdrawal Calculator
Age and RRIF balance in, this year's minimum out, plus the tax withheld on anything you take above it.
DTC Eligibility Walkthrough
A plain-language walkthrough of whether you may qualify for the Disability Tax Credit, and what the next step is.
Investment Income Tax Comparer
See what interest, dividends and capital gains each cost you at your own marginal rate, and how that changes inside a TFSA or an RRSP.
RDSP Grant & Bond Estimator
See what the government adds to an RDSP: the grant that matches your contributions, the bond that needs none, and the past years you can still claim.
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 & RRSP Contribution Room Tracker
Track your own contributions and withdrawals year by year, so you know the room you have today rather than the figure the CRA published months ago.
TFSA vs RRSP
See which account leaves you more after tax for the same money out of your pocket, at your tax rate today and the rate you expect in retirement.