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24 free tools for Canadian households - organized by category.
💵
Earn & Understand
Salary & Tax
Federal & provincial tax, CPP/EI, RRSP impact
Budget Planner
Tax-aware budget with savings recommendations
🏦
Borrow & Finance
Vehicle
Three modes, province tax, total cost
Mortgage
Payments, equity, buy vs rent
Refinance
Break-even, cumulative savings
Personal Loan
Payments, compare products, consolidate
Balance Transfer
0% promos vs your card, payoff chart
HELOC
80/65 rules, payments, scenarios
Vehicle Affordability
Max price, scorecard, new vs used
📈
Save & Invest
Registered
CRA limits, wrapper compare, FHSA
Savings & GIC
GIC ladder, compounding, HISA compare
ETF Growth
MER, dividends, TFSA vs taxable
Account Optimizer
FHSA · RRSP · RESP · TFSA priority wizard
🏠
Home & Housing
Affordability
GDS/TDS back-solve, stress test, closing costs
Down Payment
FHSA + HBP + savings, timeline to goal
FHSA
$8k/yr · tax-deductible · tax-free withdrawal
👨👩👧
Family & Life
RESP
18-year projection with free $500/yr CESG
CCB Optimizer
How RRSP contributions increase your CCB
Life Insurance
Mortgage + income replacement + education
🏖️
Retirement Planning
CPP/OAS Timing
Breakeven, cumulative payout, combined income
OAS Clawback
Income threshold, clawback amount, smoothing
RRIF Withdrawals
Annual minimums, tax impact, portfolio runway
💼
Business & Self-Employment
Self-Employment
Double CPP, HST, quarterly installments
Incorporation
Corp vs personal rate, salary vs dividend split
Tax Reserve
How much to save per $1,000 invoice
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