🍁Free Canadian Financial Calculators

The math behind your money decisions

Province-aware calculators for mortgages, salary, TFSA, RRSP, vehicles, and retirement - updated for 2026.

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🍁 Built for Canadians📅 2026 tax brackets🔒 Runs in your browser✨ No sign-up
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Pick a topic - we'll take you straight to the right calculator.

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Home & Mortgage

Most searched

Canada's #1 searched financial topic

Mortgage Calculator
Payments, amortization & equity
How Much Can I Afford?
GDS/TDS stress test
Down Payment Tracker
FHSA · RRSP HBP · TFSA
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Salary & Tax

Know your real take-home pay

Salary Calculator
2026 tax brackets, CPP/EI
Budget Planner
50/30/20 rule, savings plan
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Save & Invest

TFSA, RRSP, FHSA, GIC, ETF

TFSA · RRSP · FHSA
Compare wrappers & limits
Account Optimizer
Where your next dollar goes
GIC & Savings
Rates, ladders, compounding
ETF Growth
MER, dividends, projections
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Vehicle & Loans

Lease vs buy, total cost

Vehicle Calculator
Lease · Finance · Buy
Vehicle Affordability
20/4/10 budget rule
Personal Loan
Compare & consolidate
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Debt & Refinance

Lower your payments

Refinance
Break-even & savings
Balance Transfer
0% promo vs your card
HELOC
Home equity access
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Retirement

CPP, OAS & drawdown

CPP/OAS Timing
Take at 60, 65, or 70?
OAS Clawback
Keep your pension
RRIF Withdrawals
Minimum & tax impact
CCB Optimizer·RESP & CESG·Life Insurance·Self-Employment·Incorporation·All 24 calculators
Strategy Guides
TFSA vs RRSP, stress test, CPP timing, CCB optimization & more
Financial Roadmaps
Step-by-step paths for first home, retirement, saving, debt freedom & more
📅2026 Canadian data - always current

Built on real CRA numbers

Every calculator uses the latest 2026 federal and provincial tax brackets, contribution limits, CPP/EI rates, and mortgage rules - not approximations.

See methodology
Federal tax rate14% first bracketHistoric 2026 reduction
TFSA limit$7,000 / yearCumulative: $109,000 since 2009
RRSP limit$33,810 / yearHighest ever - reflects wage growth
FHSA limit$8,000 / yearLifetime max: $40,000
CPP max contribution$4,034.10Employee portion (5.95%)
CMHC insurance4% at 5% downOSFI stress test: 5.25% floor

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Your calculations run in your browser. AI tools only send the inputs you choose to submit. Results are illustrative estimates and not financial advice.