Free calculators · No signup
Clear money tools.
Nine free calculators and checklists for every Canadian household. Built to run entirely in your browser — your numbers never leave the page, no signup, no email gate, no upsell to a paid version later. Pick the tool you need; the rest will be here when you do.
Registered accounts
Know your contribution room.
TFSA, RRSP, FHSA, RESP — the CRA caps how much you can put into each one per year. Get the cap wrong and you pay a 1%-per-month penalty on the excess. These four calculators do the math the CRA does, so you know your actual room before you contribute. Numbers stay in your browser.
TFSA Room Calculator
Tax-Free Savings Account — how much you can contribute this year, given your age and past contributions.
Open tool →RRSP Room Calculator
18% of last year’s income up to the annual cap, plus your carry-forward — the room CRA actually gives you.
Open tool →FHSA Room Calculator
First Home Savings Account — $8K/year, $40K lifetime. Tax-deductible going in, tax-free coming out for your first home.
Open tool →RESP Grant Calculator
How much CESG (government match) your contribution earns — basic 20% plus income-tested top-up if you qualify.
Open tool →Plan + project
See where the numbers go.
Money decisions get clearer when you can see them on a curve. Project a savings habit thirty years forward, size an emergency fund against your actual rent and groceries, or stress-test what landing in Canada will cost your family before the plane takes off.
Compound Interest Calculator
See how small, consistent savings grow over decades. The most powerful chart in personal finance, made simple.
Open tool →Emergency Fund Calculator
How much you should set aside for one bad month — and how long it’ll take at your current savings pace.
Open tool →Landing-Cost Estimator
First-month cost of arriving in Canada — deposits, transit, phone, groceries, the things nobody warns you about.
Open tool →Mortgage Affordability
How much house your income actually qualifies for — using the 2026 Canadian stress test, GDS, and TDS ratios.
Open tool →Debt Payoff Calculator
Compare snowball (smallest first) vs avalanche (highest rate first) for paying down your debts. Months saved + total interest.
Open tool →Tax Bracket Calculator
Your 2026 marginal + effective tax rate. Federal + all 13 provincial brackets. Useful for RRSP vs TFSA decisions.
Open tool →Net Worth Calculator
Add up what you own minus what you owe. Get an annual baseline + contextual benchmark for where you stand.
Open tool →Mortgage Payment Calculator
What’s my monthly P&I? Uses Canadian semi-annual compounding + accelerated bi-weekly comparison.
Open tool →Retirement Savings Calculator
Project your nest egg + see how many years it’ll last at your target withdrawal rate. Accounts for CPP/OAS context.
Open tool →Investment Return Calculator
Future value of a one-time deposit + monthly contributions. Includes TFSA vs non-registered tax-drag comparison.
Open tool →Reference
Lookups + checklists.
Quick references for when you need a number, a definition, or a step. The Canadian rates page pulls live data from the Bank of Canada every morning. The glossary translates 100+ Canadian-finance acronyms into one-sentence clear language. The newcomer benefits checklist tracks your progress in your browser, no signup.
Canadian Rates, Right Now
Bank of Canada overnight rate, inflation, mortgage rates, and the loonie — refreshed daily.
Open tool →Newcomer Benefits Checklist
Canadian benefits newcomer families miss most often — with apply-at links. Your progress saves on your device.
Open tool →Money Glossary
Every acronym and term you’ll meet in Canadian finance, in one clear page.
Open glossary →Every tool is built to run entirely in your browser. Your inputs are never sent to a server. All tools are educational, not financial advice — always verify with a licensed professional before acting on the numbers.