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All calculators · 101 in CAD

Canadian financial math, in CAD.

Budget · 1

  1. Calculator

    NewFree

    50/30/20 + Conscious Spending

    Warren's 50/30/20 and Ramit Sethi's Conscious Spending Plan.

Savings · 10

  1. Calculator

    NewFree

    FHSA projection

    First Home Savings Account: $8k/yr cap, $40k lifetime.

  2. Calculator

    NewFree

    RESP + CESG match

    Education savings with 20% gov match on first $2,500/yr.

  3. Calculator

    NewFree

    Emergency fund target

    How many months of fixed costs you should hold in a HISA.

  4. Calculator

    NewFree

    Savings goal

    Monthly deposit to hit a short-horizon dollar target.

  5. Calculator

    NewFree

    Savings distribution

    How long a pool lasts at a fixed monthly draw.

  6. Calculator

    NewFree

    Savings · taxes + inflation

    Nominal vs after-tax vs real FV.

  7. Calculator

    NewFree

    Compare savings rates

    Same contribution across HISA / GIC rate ladder.

  8. Calculator

    NewFree

    Cost of delaying savings

    Dollar cost of putting off saving by N years.

  9. Calculator

    NewFree

    Path to $1,000,000

    Monthly required + years until your first million.

  10. Calculator

    NewFree

    Daily spend → invested

    Redirect a small daily spend into an investment over years.

Debt · 7

  1. Calculator

    NewFree

    Snowball vs Avalanche

    Compare debt-payoff strategies + minimum-only worst case.

  2. Calculator

    NewFree

    Credit card minimum payment

    How long + how much when paying only the minimum.

  3. Calculator

    NewFree

    Credit card optimizer

    Best distribution of extra payment across multiple cards.

  4. Calculator

    NewFree

    Personal debt consolidator

    Roll multiple high-rate debts into one lower-rate loan.

  5. Calculator

    NewFree

    Consolidate + invest the difference

    Invest the monthly savings from consolidating.

  6. Calculator

    NewFree

    How much do you owe?

    Total balance + weighted average rate across all debts.

  7. Calculator

    NewFree

    Cost of debt

    Annual interest + opportunity cost of not investing.

Loans · 9

  1. Calculator

    NewFree

    Amortizing loan

    Monthly payment + interest on a fixed-term personal loan.

  2. Calculator

    NewFree

    Loan calculator (solve for unknown)

    Solve for payment OR principal.

  3. Calculator

    NewFree

    Loan comparison

    Compare three loan offers side by side.

  4. Calculator

    NewFree

    Loan prequalification

    Max personal loan from income, existing debt, DTI.

  5. Calculator

    NewFree

    Existing loan balance

    What you still owe after n payments.

  6. Calculator

    NewFree

    Line of credit minimum payment

    Monthly minimum on a personal or secured LOC.

  7. Calculator

    NewFree

    Line of credit payoff

    Months to zero at a fixed monthly payment.

  8. Calculator

    NewFree

    Credit line size estimator

    HELOC + unsecured LOC borrowing envelope.

  9. Calculator

    NewFree

    RRSP loan

    Borrow to top up RRSP, apply refund to principal.

Tax · 6

  1. Calculator

    Free

    Tax bracket explorer

    Federal + provincial marginal rate at any income.

  2. Calculator

    Free

    RRSP refund estimator

    Estimates the tax refund from an RRSP contribution at your marginal rate.

  3. Calculator

    Free

    Capital-gains inclusion rate

    How the 50% inclusion rate (and proposed 2/3 above $250k) hits a realised gain.

  4. Calculator

    Free

    Charitable donation credit

    Federal + provincial donation tax credit on cash + appreciated securities.

  5. Calculator

    Free

    Treaty withholding matrix

    Canada-US and other treaty withholding rates on dividends, interest, royalties.

  6. Calculator

    Free

    Take-home pay

    Canadian net pay: gross minus federal + provincial tax + CPP + EI. 2026 rates.

Investment · 16

  1. Calculator

    Free

    RRSP vs TFSA vs taxable

    Which account wins given your current vs retirement marginal rate.

  2. Calculator

    Free

    MER drag on portfolio

    Compounded fee cost over 20+ years.

  3. Calculator

    Plus

    Asset allocation

    Age-based + risk-tolerance allocation guide.

  4. Calculator

    Plus

    CAD vs USD exposure

    FX-risk read on your portfolio.

  5. Calculator

    NewFree

    Compound interest + future value

    Project a balance with monthly compounding + monthly contributions.

  6. Calculator

    NewFree

    Net-worth tracker

    Assets minus liabilities. Liquid net worth excludes home equity.

  7. Calculator

    NewFree

    Investment goal

    Monthly contribution required to hit a target portfolio balance.

  8. Calculator

    NewFree

    Investment returns (inflation + tax)

    Nominal, after-tax, and real FV side by side.

  9. Calculator

    NewPlus

    Savings + distribution (two-phase)

    Accumulate for X years, then draw for Y years.

  10. Calculator

    NewPlus

    Investment property

    Cap rate, cash flow, cash-on-cash return on a rental.

  11. Calculator

    NewPlus

    Investment loan (leverage)

    Borrow at X% to invest at Y%. P&L after tax.

  12. Calculator

    NewPlus

    Investor risk profile

    5-question quiz → risk band → suggested equity allocation.

  13. Calculator

    NewFree

    Stock option exercise

    Cash to exercise, tax owed, after-tax proceeds (incl. CCPC).

  14. Calculator

    NewFree

    Annual stock-option grants

    Paper value forecast if grants vest annually for N years.

  15. Calculator

    NewFree

    Recovery from a loss

    % gain + years required to break even after a portfolio loss.

  16. Calculator

    NewFree

    Taxable vs tax-advantaged

    TFSA vs non-registered FV at the same contribution rate.

Retirement · 13

  1. Calculator

    Plus

    Retirement planner

    Full base-case projection: portfolio + CPP + OAS + RRIF minimums + provincial tax.

  2. Calculator

    Plus

    Withdrawal calculator

    Year-by-year drawdown across RRIF / TFSA / non-reg / LIRA.

  3. Calculator

    Plus

    Safe withdrawal rate (4%)

    4% rule + variable rate against your nest egg + horizon.

  4. Calculator

    Plus

    Bear-market stress test

    What if markets drop 25/35/50% the year you retire.

  5. Calculator

    Plus

    LIF max withdrawal

    Locked-in retirement income — max withdrawal formula by jurisdiction.

  6. Calculator

    Plus

    Bond ladder vs annuity

    Compare a self-built bond ladder against a SPIA annuity for income floor.

  7. Calculator

    Plus

    Retirement phases (go-go / slow-go / no-go)

    Phase-adjusted spending: 100% early, 80% mid, 70% late.

  8. Calculator

    Plus

    Income floor / essential coverage

    Match essential spending to guaranteed income (CPP + OAS + DBPP). Income-floor approach.

  9. Calculator

    NewPlus

    Three-bucket drawdown simulator

    Time-horizon bucket strategy with refill cascade + Monte Carlo + canonical stress scenarios.

  10. Calculator

    NewPlus

    Retirement nest-egg target

    How much do you need saved to retire on a target income?

  11. Calculator

    NewPlus

    Retirement income from savings

    Sustainable annual + monthly income from your nest egg + CPP/OAS.

  12. Calculator

    NewPlus

    How long will my savings last

    Years until depletion at a fixed annual draw + return.

  13. Calculator

    NewPlus

    RRIF minimum payment

    Mandatory RRIF withdrawals + year-by-year balance trajectory.

Insurance · 4

  1. Calculator

    Free

    Life-insurance need

    DIME: debts + income replacement + mortgage + education.

  2. Calculator

    Free

    Disability-insurance gap

    Income replacement needed vs CPP-D + existing policy.

  3. Calculator

    NewFree

    Long-term care need

    Estimated cost for facility care vs liquid assets.

  4. Calculator

    NewFree

    Human Life Value

    PV of future income, less personal consumption.

Housing · Mortgage · 19

  1. Calculator

    Free

    Reverse mortgage / CHIP

    Estimate income from a reverse mortgage.

  2. Calculator

    Free

    Mortgage paydown vs invest

    After-tax comparison of extra mortgage vs equity investing.

  3. Calculator

    Free

    HELOC payoff strategy

    How fast a HELOC drops with extra principal.

  4. Calculator

    NewFree

    Mortgage payoff

    How much faster you pay off your mortgage with bi-weekly + extra payments.

  5. Calculator

    NewFree

    True cost of home ownership

    Mortgage + tax + insurance + utilities + maintenance + condo.

  6. Calculator

    NewFree

    Mortgage payment calculator

    Basic Canadian monthly payment + full amortization schedule.

  7. Calculator

    NewFree

    Mortgage qualifier

    How big a mortgage can you qualify for given income + GDS/TDS.

  8. Calculator

    NewFree

    Home purchase calculator

    Loan + payment derived from price + down payment + CMHC.

  9. Calculator

    NewFree

    Mortgage compare

    Side-by-side comparison of three mortgage scenarios.

  10. Calculator

    NewFree

    Refinance interest savings

    New rate vs old rate net of break penalty + legal.

  11. Calculator

    NewFree

    Maximum mortgage at different rates

    Principal ladder across rate scenarios for a fixed payment.

  12. Calculator

    NewFree

    Max mortgage · flexible GDS / TDS

    Borrow envelope with adjustable ratio ceilings.

  13. Calculator

    NewFree

    Bi-weekly payment savings

    Accelerated bi-weekly cadence: months + interest saved.

  14. Calculator

    NewFree

    Combination (1st + 2nd) mortgage

    Blended monthly payment when stacking a second mortgage.

  15. Calculator

    NewFree

    Interest-only mortgage

    Monthly cost when principal never reduces. HELOC-style.

  16. Calculator

    NewFree

    Interest-only vs amortizing

    Cash flow + equity built across both methods.

  17. Calculator

    NewFree

    Interest-only qualifier

    Max principal an interest-only mortgage can carry at target monthly.

  18. Calculator

    NewFree

    Rent vs buy

    Net cost comparison over the horizon, after equity + opportunity cost.

  19. Calculator

    NewFree

    Net proceeds from home sale

    Sale price minus mortgage + realtor + legal + discharge.

Vehicle · Auto · 8

  1. Calculator

    NewFree

    20/4/10 car-buying rule

    20% down · 4-yr max term · 10% of gross income max payment.

  2. Calculator

    NewFree

    True cost of car ownership

    Loan + insurance + gas + maintenance + depreciation by tier.

  3. Calculator

    NewFree

    Auto loan

    Monthly payment + total interest on a Canadian auto loan.

  4. Calculator

    NewFree

    Boat loan

    Same engine as auto loan, calibrated for boats.

  5. Calculator

    NewFree

    Truck loan

    Same engine as auto loan, calibrated for trucks.

  6. Calculator

    NewFree

    Auto rebate vs low-rate financing

    Cash rebate or promo rate? Which saves more?

  7. Calculator

    NewFree

    Buy vs lease

    Total cost over lease term, including terminal equity.

  8. Calculator

    NewFree

    Low-interest financing savings

    Dollars saved with manufacturer promo rate vs standard.

Estate · 4

  1. Calculator

    Free

    CPP survivor benefit

    Survivor-pension math; combined-cap rule when both at max.

  2. Calculator

    Free

    TFSA successor holder vs beneficiary

    Why the distinction matters for keeping account room intact.

  3. Calculator

    Free

    Spousal RRSP

    Income-splitting via spousal RRSP. 3-year attribution rule.

  4. Calculator

    Free

    Superficial loss

    30-day repurchase rule that denies a capital loss.

Personal · 4

  1. Calculator

    NewFree

    Life-expectancy estimator

    Canadian StatCan-anchored remaining-life estimate.

  2. Calculator

    NewFree

    Credit-score self-assessment

    Rough Equifax / TransUnion-style score from 5 inputs.

  3. Calculator

    NewFree

    Student budget

    Monthly inflows vs outflows for a Canadian student.

  4. Calculator

    NewFree

    Chequebook balancer

    Reconcile bank statement against your register.