Interactive calculators for Canadian savers.
Small, focused tools that run the Canadian-specific tax math most calculators skip — province-aware, transparent about every assumption, and educational only. Play with the inputs and see how the numbers move.
TFSA Contribution Room Calculator
Estimate how much room you have left in your TFSA for 2026 — without logging into CRA My Account. It uses the official annual limits going back to 2009, carries forward your unused room, and handles the rule that withdrawals only come back the following year. Shows your full breakdown and flags a possible over-contribution. An educational estimate.
Open the calculator Income · paychequeTake-Home Pay Calculator
Turn your salary or hourly wage into the money that actually lands in your account each payday. It breaks down every deduction — federal and provincial tax, CPP, CPP2 and EI — for any province and pay frequency, then shows how an RRSP contribution or a raise changes your take-home. Built on Canada's 2026 federal and provincial payroll-deduction rules — an independent estimate.
Open the calculator Budgeting · free downloadPersonal Finance Tracking Spreadsheet
A simple, honest budget and net-worth tracker you fill in by hand — it never touches your bank. Nine tabs: a dashboard, a flexible budget with green/amber/red alerts, net worth, savings goals, a snowball-vs-avalanche debt planner, and sinking funds for irregular bills. Built in CAD; works the same in Excel or Google Sheets.
Get the spreadsheet First-home savingFHSA Calculator
Compare, after tax, what an FHSA, TFSA, RRSP (via the Home Buyers' Plan), and a taxable account would leave you for a first-home down payment. Start with the quick comparison, then flip to the full planner — an optimal mix of accounts, the Home Buyers' Plan repayment, a purchase-year tax rate, and down-payment goal tracking.
Open the calculator Home buyingMortgage Payment Calculator
Figure out your Canadian mortgage payment — using the semi-annual compounding Canadian fixed mortgages actually use, not the US monthly shortcut. It auto-calculates your minimum down payment and CMHC insurance, then compares every payment frequency so you can see exactly what accelerated payments save you.
Open the calculator Home buyingRent vs Buy Calculator
Should you keep renting or buy? The honest comparison — buying versus renting and investing the difference, not just rent against a mortgage payment. It uses the Canadian mortgage math (semi-annual compounding, CMHC, provincial land transfer tax), counts the property tax, maintenance and selling costs owning carries, gives your home its tax-free gains, then finds the year buying breaks even.
Open the calculator Mortgage · investingMortgage Prepay vs Invest Calculator
Spare cash each month — pay down the mortgage or invest it? The fair comparison: it holds your total outlay identical on both paths and weighs after-tax net worth, accounting for how a TFSA, RRSP (with the refund) or non-registered account is really taxed. Prepaying is a guaranteed after-tax return; investing isn't — so it also shows the return you'd need to come out ahead and, via Monte Carlo, the odds you actually do.
Open the calculator Retirement incomeRetirement Income Calculator
Will your savings last? A thorough Canadian projection: RRSP/RRIF (with the mandatory minimums at 71), TFSA, LIRA/LIF and non-registered accounts, CPP and OAS timing, the OAS clawback, and pension income splitting for couples. It runs a Monte Carlo to estimate your chance of not outliving the money, plus a sustainable-spending guide — all in today's dollars.
Open the calculator Retirement savingRetirement Savings Calculator
How much do you need to retire, and are you on track? It sizes your target nest egg by running a real, tax- and benefit-aware drawdown (CPP, OAS, RRIF minimums) at your chosen success rate — not a flat 25× rule — then projects your RRSP, TFSA, FHSA and non-registered savings forward with your contributions, RRSP room, employer match and the tax refund. Includes a Monte Carlo probability of reaching the goal.
Open the calculator Investing · compound growthCompound Interest & Investment Growth Calculator
The simplest place to start: put in a starting amount and what you add each month, and watch it snowball. The sliders update live, showing the final value in both future and today's dollars, how much is your own money versus growth, and milestones like the year you'd cross your first $100k. A friendly, no-jargon look at the most important idea in investing.
Open the calculator Investing · ETF comparisonAll-in-One ETF Comparison
XEQT, VEQT, XGRO, VGRO, XBAL, VBAL — Canada's one-ticket, auto-rebalancing portfolios, backtested side by side. Pick the funds you're weighing up and compare a lump sum against real history: growth, worst-case drawdown, volatility and fees. Returns are already after each fund's MER.
Open the comparison