Free Canadian money tools, built on real Canadian money rules.
Twenty-three Canadian financial tools and a monthly national stress index, all free. Every tool is built around the way Canadian money actually works: real provincial tax brackets, semi-annual mortgage compounding, CMHC, and CPP and OAS with the clawback.
The Retirement Calculator
A retirement projection that uses the actual Canadian tax math. Marginal brackets across all 13 provinces, real CPP and OAS formulas including the clawback, and year-by-year balances through accumulation and drawdown.
- Real 2026 marginal tax brackets, all 13 provinces
- CPP and OAS formulas with the actual clawback threshold
- RRSP, TFSA, non-registered, and DB pension support
- RRIF mandatory minimum withdrawals from 71
Projection
Net worth in today’s dollars
Age 30 → 90
Historical cohorts
One plan, every retirement on record
1956 → today
Retirement Replay
A retirement run through every market Canada has on record. Instead of one averaged projection, it replays your plan into 1966, 1981, 2008, and every other start year, then counts how many of those retirements the money outlasts.
- Every Canadian start year since 1956, in today's dollars
- CPP, OAS, RRIF minimums and the clawback in the math
- Four withdrawal strategies, from constant dollars to guardrails
- Survival odds from Statistics Canada life tables
Net worth, 25 years
Rent vs. buy, the same dollars
Year 0 → 25
Rent vs. Buy
A side-by-side comparison of renting and buying with the full Canadian math: CMHC default insurance, province-specific land transfer tax, semi-annual mortgage compounding, maintenance reserves, and the opportunity cost on your down payment.
- CMHC default insurance for under-20% down payments
- Province-specific land transfer tax and rebates
- Semi-annual mortgage compounding (the Canadian rule)
- Maintenance reserves and the renter's investment alternative
Emergency Fund Stress Test
Run your savings against five Canadian shock scenarios with province-aware EI math. Each one tells you how many months of expenses your fund actually covers under that pressure.
- Five Canadian shock scenarios from job loss to worst-case combo
- Province-aware EI math for all 13 provinces
- Months covered, pass or fail by your own benchmark
- Real Canadian cost ranges for each shock category
Stress test
How long the savings hold
5 scenarios
Portfolio Analyzer
A single x-ray of your ETF portfolio. Pick the funds you hold and it reads back the blended fee you pay, your true country and asset mix once every fund is looked through, where your holdings double up, and how much foreign withholding tax each fund loses in an RRSP, a TFSA, or a taxable account.
- Blended MER, plus the annual and lifetime dollar drag
- Your true country and asset mix after every fund is looked through
- Fund overlap: the regions you hold more than once
- Foreign withholding tax by account: RRSP, TFSA, and taxable
Look-through
Your true country mix
4 funds
The Personal Finance Stress Index
Most tools on this page run on your numbers. The index runs on the country’s. It scores how much financial pressure Canadian households are under, from 0 (calm) to 100 (severe), and draws on seven public indicators from housing affordability and groceries against wages to insolvencies and the savings cushion.
Built from seven public indicators
Fourteen calculators, sorted by what you’re asking.
Every calculator applies the real Canadian rules: provincial tax brackets, current contribution limits, federal stress tests, and CRA accrual conventions. Pick a category.
Saving
Tax-sheltered growth and the math behind it
TFSA Calculator
Tax-free growth, year-by-year balance, contribution room. Uses 2026's $7,000 annual limit.
FHSA Calculator
First Home Savings Account: $8,000 a year, $40,000 lifetime. Models both home-purchase and RRSP-transfer scenarios.
GIC Calculator
Maturity value, total interest, and after-tax yield using CRA annual-accrual rules.
Investment Growth
Long-term compound growth with optional regular contributions.
Investment Fee Calculator
What ETF or mutual fund fees cost you over a lifetime, and how much of your investment growth you keep.
Retirement
Account math beyond the headline calculator
RRSP Calculator
Annual refund, contribution room, projected balance at retirement. 2026 limit: $33,810.
RRSP vs. TFSA
Which one wins given your current and retirement marginal rates. Includes reinvested refunds.
RRIF Calculator
Required minimum withdrawals by age, using CRA's actual factor table.
RESP Calculator
Education savings projection with the Canada Education Savings Grant: 20% on the first $2,500/year, $7,200 lifetime.
Borrowing
Mortgages, credit, and getting out of debt
Mortgage Calculator
Monthly payment, full amortization, total interest. Canadian semi-annual compounding, payment-frequency options, and prepayments.
Mortgage Qualifier
Maximum affordable home price given income, debts, and the federal stress test.
HELOC Calculator
Maximum available HELOC based on appraised value and outstanding mortgage.
Loan Calculator
Monthly payment and total interest for personal, auto, and student loans.
Debt Repayment
Avalanche vs. snowball, side by side. Months to debt-free and interest saved.
Play with your money.
Four tools for exploring the math, the past, and the what-ifs.
The Mortgage Race
Two rates, twenty-five years, side by side. Watch the gap open up in real time.
OpenMoney Time Machine
What would your monthly coffee, streaming, or dining bill be worth today if you'd invested it?
OpenInflation Grocery Cart
A 21-item Canadian grocery cart, priced from Statistics Canada data, every year since 1995.
OpenChoose Your Financial Future
Forty branching life decisions over five decades. Played in under ten minutes.
OpenBuilt independently in Canada.
Twenty-three free Canadian financial tools where nothing you enter is saved, plus a monthly national stress index, built and maintained independently. To learn about who runs the site and how it stays funded, see About and Independence.