Smart calculations · Confident decisions
Canadian personal finance calculators built for Canadian rules.
Mortgages, CMHC insurance, taxes, and retirement, all built from the ground up for the rules that actually apply in Canada. Math verified against the Financial Consumer Agency of Canada and other authoritative sources.
Home buying
Browse all →Mortgage payment calculator
Estimate your Canadian mortgage payment with semi-annual compounding, CMHC tiers, true cash-to-close (PST on premium plus land transfer tax), the OSFI stress test, and a renewal-at-higher-rate scenario.
CMHC insurance calculator
Calculate your CMHC mortgage default insurance premium with published tier rates, the 0.20% extended-amortization surcharge, and provincial sales tax payable as cash at closing.
Mortgage affordability calculator
What home can you afford? Run GDS / TDS at your contract rate and at the OSFI stress-test rate, side by side, with the insured-vs-uninsured ceiling and the resulting monthly payment.
Down payment savings calculator
How long until you have a 5%, 10%, or 20% down payment? Runs the savings timeline against your target home price, current savings, and monthly contribution, with all three thresholds shown side by side.
Closing costs calculator
What you actually owe at the lawyer's office, beyond the down payment. Provincial land transfer tax, Toronto MLTT, PST on the CMHC premium, plus typical Canadian ranges for legal fees, inspection, title insurance, and the property tax adjustment.
Rent vs buy calculator
Should you keep renting or buy? Compares the buy path's net equity at sale against the renter investing the down payment plus the monthly cost gap, with the interpolated break-even year over your time horizon.
Debt & savings
Browse all →Debt repayment planner
Compare avalanche vs snowball strategies on your real debt list. Shows the time and interest under each method side by side, with a clear recommendation based on the dollar gap.
Emergency fund calculator
How big should your emergency fund be, and how long until it's fully funded? Sets the dollar target for 3, 6, or 12 months of essentials and the months to reach it at your current contribution rate.
Monthly budget calculator
Track your net monthly income, list expenses by category, and see your leftover, savings rate, the 50/30/20 split, and a 12-month projection of what you could save at a HISA rate.
Wealth planner
Coming soonA guided plan that walks you through the Canadian financial-order-of-operations: emergency fund, employer match, debt, TFSA / RRSP / FHSA, then long-term goals. Personalized to your situation.
Investing & retirement
Browse all →Compound interest calculator
How much will your savings actually be worth in 25 years? Project compound growth with any contribution frequency, plus the inflation-adjusted real return.
FHSA calculator
Project your First Home Savings Account balance over the years until your purchase, with the cumulative tax refunds from the deduction at your marginal rate. Enforces the $8,000 annual and $40,000 lifetime caps.
RRSP calculator
Project your RRSP balance at retirement, the cumulative tax refunds from the deduction during accumulation, and the after-tax value once you account for withdrawal tax at your retirement marginal rate.
TFSA calculator
Project your TFSA balance with annual contributions and tax-free growth. Tuned to the 2026 $7,000 federal limit and the cumulative-room rules in place since the program opened in 2009.