Money
Metrics
.ca
Guides
Roadmaps
Blog
Get Started
Search
Menu
A
A
Home
/
Calculators
Free Canadian financial calculators
24 free tools for Canadian households - organized by category.
/
💵
Earn & Understand
Take-home pay · 2026 brackets
Federal & provincial tax, CPP/EI, RRSP impact
Income · Expenses · Savings
Tax-aware budget with savings recommendations
🏦
Borrow & Finance
Lease · Finance · Buy Calculator
Three modes, province tax, total cost
Mortgage Calculator
Payments, equity, buy vs rent
Mortgage Refinance Calculator
Break-even, cumulative savings
Loans · Compare · Consolidate
Payments, compare products, consolidate
Credit card balance transfer
0% promos vs your card, payoff chart
Home Equity Line of Credit
80/65 rules, payments, scenarios
Car Affordability (20/4/10 Rule)
Max price, scorecard, new vs used
📈
Save & Invest
TFSA / RRSP / FHSA Calculator
CRA limits, wrapper compare, FHSA
GIC Ladder Calculator
GIC ladder, compounding, HISA compare
ETF & index fund path
MER, dividends, TFSA vs taxable
Where should my next $100 go?
FHSA · RRSP · RESP · TFSA priority wizard
🏠
Home & Housing
How much house can I afford?
GDS/TDS back-solve, stress test, closing costs
First-Time Home Buyer
Down payment, FHSA, and the Home Buyers' Plan
First Home Savings Account
$8k/yr · tax-deductible · tax-free withdrawal
👨👩👧
Family & Life
RESP & CESG calculator
18-year projection with free $500/yr CESG
Canada Child Benefit + RRSP
How RRSP contributions increase your CCB
Life insurance needs calculator
Mortgage + income replacement + education
🏖️
Retirement Planning
When to take CPP and OAS?
Breakeven, cumulative payout, combined income
CPP break-even age calculator
Age 60 vs 65 vs 70, with a crossover chart
OAS clawback calculator
Income threshold, clawback amount, smoothing
RRIF minimum withdrawal
Annual minimums, tax impact, portfolio runway
💼
Business & Self-Employment
Real cost of self-employment
Double CPP, HST, quarterly installments
Should I incorporate?
Corp vs personal rate, salary vs dividend split
Per-invoice tax set-aside
How much to save per $1,000 invoice
Back to home