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.
Personal 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 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 calculatorMortgage Prepay vs Invest
Should an extra dollar go to your mortgage or your portfolio? A Canadian-specific calculator that accounts for non-deductible mortgage interest and the tax drag on investment returns. In the works.
In the works