Canadian Financial Calculators
Free Canadian financial calculators, grouped by what you're trying to figure out.
Every tool here runs on real Canadian rules: CRA marginal tax rates for all 13 provinces, current contribution limits for TFSA, RRSP, and FHSA, the federal mortgage stress test, RRIF prescribed factors by age, semi-annual mortgage compounding, and the Canada Education Savings Grant. Each card shows what the calculator answers using sensible defaults. Click in to plug in your own numbers.
Free tools
22
CRA tax data
2026
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Full
Buy a home
From qualifying for a mortgage to comparing rent vs. buy.
Standalone tool
Rent vs Buy
The full Canadian comparison: CMHC, land transfer tax, semi-annual mortgage compounding, maintenance reserves, and opportunity cost on your down payment. Province-specific math.
Province-specific math · 25-yr horizon
Both paths to the dollar
Live rates from the directory
Mortgage
Mortgage Calculator
Monthly payment, total interest, and amortization schedule.
$600K home · 20% down · 4.99% · 25 yr
$2,789 / month
$356,692 in interest
Mortgage
Mortgage Qualifier
How much home you can afford after the federal stress test.
$120K income · $500 debt · 4.99% · 25 yr
Up to $369.2K mortgage
Stress-tested at 6.99%
First Home
FHSA Calculator
Tax-deductible savings toward your first home, RRSP-style.
$8K/yr · 40% marginal · 5% · 5 yr
$46,415 saved
$16,000 in tax refunds
Home Equity
HELOC Calculator
How much home equity is available and what the payoff looks like.
$750K home · $300K mortgage
$300,000 available
80% loan-to-value cap
Plan a retirement
Project your nest egg, model account choice, and estimate withdrawals.
Standalone tool
Retirement Calculator
The complete retirement income picture: CPP, OAS, RRSP, TFSA, and pensions, projected year by year through age 95 with a decumulation strategy. Real CRA tax math for all 13 provinces, with a toggle between nominal and today's-dollars views.
Real CRA tax math · all 13 provinces
Full retirement income picture
Nominal default · today's-dollars toggle
Standalone tool
Retirement Replay
The other side of the retirement question: once you are spending the money, does it last? It replays your plan through every Canadian market since 1956, after tax, and counts how many of those histories the money outlives.
Every start year · after-tax · survival odds
How many retirements survive
CPP, OAS, RRIF and the clawback in the math
Registered
RRSP Calculator
Tax-deductible retirement saving with annual refund estimates.
$50K balance · $10K/yr · 6% · 25 yr
$796.2K at retirement
$4,000 annual tax refund
Registered
TFSA Calculator
Tax-free growth projection with contribution-room tracking.
$15K balance · $7K/yr · 5.5% · 20 yr
$301.3K tax-free
$146.3K in growth
Comparison
RRSP vs TFSA
Which account leaves you with more after-tax money?
$10K/yr · 25 yr · 40% → 30% tax
RRSP wins by $58.2K
After tax, with refunds reinvested
Decumulation
RRIF Calculator
Minimum withdrawal schedule from age 71 onward.
$500K · age 71 · 5% return
$26,400 year-1 minimum
Per CRA prescribed factors
Grow what you save
Compare GIC terms and project compound growth on regular contributions.
Standalone tool
Portfolio Analyzer
X-ray your ETF portfolio: the blended fee, your true country and asset mix after look-through, fund overlap, and the foreign withholding tax it loses in an RRSP, a TFSA, or a taxable account.
Pick your funds · every figure sourced
Fee, true mix, and overlap
Foreign tax by account type
Savings
GIC Calculator
Maturity value, total interest, and effective yield.
$25K · 4.5% · 3-year term
$28,529 at maturity
$3,529 earned
Savings
Investment Growth
Compound growth with regular contributions.
$10K start · $500/mo · 7% · 20 yr
$301.9K final balance
$171.9K in growth
Investing
ETF & Mutual Fund Fee Calculator
See what ETF or mutual fund fees cost you over a lifetime, and how much of your growth you keep.
$50K · $500/mo · 30 yr · 2.0% fund vs 0.2% ETF
$254.4K lost to fees
keep 49% vs 94% of growth
Manage debt
Calculate the true cost of borrowing and see a payoff timeline.
Save for school
Project an RESP balance with the Canada Education Savings Grant.
Numbers in motion
Watch money move across time, rates, and decades.
Safety Net
Emergency Fund Stress Test
Five scenarios run against your fund: job loss with full EI, job loss with partial EI, partial work, a shock expense, and the cascading-disaster combination. Shareable results.
5 scenarios · your inputs · shareable
How long does your fund hold?
Tested across the worst plausible runs
Rate Comparison
The Mortgage Race
Two mortgage rates race to zero over 25 years. The dollar gap shows what rate negotiation is worth.
Two rates · same balance · 25 yr
See the dollar gap
What 0.25% costs over 25 years
Time Travel
Money Time Machine
What an old purchase would be worth today if invested instead.
Any past Canadian purchase
See it in today's dollars
Inflation-adjusted
Inflation
Inflation Grocery Cart
What your weekly groceries cost in any year back to 1995.
Weekly basket · pick a year
Real Statistics Canada prices
30 years of retail data
Compare real rates from Canadian credit unions
Many credit unions offer better rates than what you're modelling with. Our directory tracks every public Canadian credit union.