Make your next money decision with the math in front of you.
Mortgages with CMHC and the stress test. Taxes for every province, 2026 rates. RRSP vs TFSA, FHSA, FIRE, debt payoff, the details Canadian banks and the CRA actually use.
Start here
popular this weekMortgage math, the Canadian way
Semi-annual compounding, CMHC, the stress test, prepayments, and your balance at renewal.
Take-home pay
Every province, 2026 rates.
RRSP vs TFSA
Which one wins for your bracket.
Zakat
Nisab in live Canadian dollars.
FIRE number
Years to financial independence.
61 free tools
13 provinces and territories, 2026 rules, no signup.
Housing & Real Estate
8 toolsPayments with semi-annual compounding, CMHC insurance, the stress test, prepayments, and your balance at renewal.
New Mortgage AffordabilityThe maximum home price you qualify for under GDS/TDS limits and the stress test, the way lenders actually decide.
Rent vs BuyA fair fight: full ownership costs vs renting-and-investing the difference, with the principal residence exemption done right.
New Land Transfer TaxOntario, Toronto's MLTT, BC, Alberta, Quebec and Montreal, with first-time buyer rebates, on 2026 brackets.
New FHSA PlannerGrow a tax-free down payment with the First Home Savings Account, $8k/yr, $40k lifetime, plus the tax refund you get back.
Property InvestmentCap rate, monthly cash flow, cash-on-cash return and 10-year equity for a Canadian rental property.
Refinance Break-EvenIs breaking your mortgage worth it? Penalty (3-month interest vs IRD), fees, and months to break even.
Home Equity & HELOCHow much you can borrow against your home under the 80% refinance and 65% HELOC rules, and what it costs.
Investing & Retirement
10 toolsWill your savings last? Accumulation to age 65, then drawdown with CPP, OAS and inflation, in today's dollars.
RRSP vs TFSASame dollars, two accounts: which wins based on your tax bracket today vs in retirement, with the refund reinvested fairly.
New TFSA RoomYour total contribution room from your birth year and past contributions, every annual limit since 2009, built in.
New Compound GrowthWatch contributions snowball, and see exactly what a 2% fund fee quietly takes versus a 0.2% index fund.
Portfolio BuilderSet your stock/bond mix and see expected growth, best and worst cases, using FP Canada planning assumptions.
FIRE CalculatorYour FIRE number, years to freedom, plus Coast and Barista FIRE, with safe withdrawal rates you can stress.
New CPP: 60, 65 or 70?Take CPP early or defer it? Lifetime totals and the break-even age for every start age, on 2026 benefit rates.
New Drawdown StrategyRRSP first, TFSA first, or blend? Simulates each withdrawal order to 95 with real 2026 tax, RRIF minimums and OAS clawback.
New RRIF WithdrawalsMandatory minimums by age, your balance path to 95, and the younger-spouse election, the full RRIF picture.
New Dividend IncomeTurn a portfolio into a paycheque: income now and in 20 years with DRIP, plus the eligible-dividend tax break explained.
Debt & Borrowing
5 toolsThe minimum-payment trap, exposed: payoff time and interest at 20.99%, and what any extra payment saves you.
Debt Payoff PlanAvalanche vs snowball vs one consolidation loan across all your debts, ranked by interest saved and payoff date.
Student LoanRepayment plans for Canada Student Loans, federal interest is 0% since 2023; see what the provincial portion really costs.
Car: Loan vs LeaseTotal cost of financing vs leasing the same car, including equity kept, buyout math and sales tax by province.
Business LoanPayments, total cost, and the debt-service coverage ratio lenders check before saying yes.
Taxes & Income
9 tools2026 taxes for all 13 provinces and territories. CPP, EI, Ontario surtax, dividends, capital gains, and your per-paycheque net.
New HST Quick MethodSelf-employed? See whether the CRA's quick method or the regular method leaves more HST/GST in your pocket.
New Inflation & Buying PowerWhat today's dollars will really buy in 10, 20, 30 years, and the return you need just to stand still.
New Budget BuilderA 50/30/20 starting point that adapts to your take-home pay, with a savings-rate dial and where-it-goes breakdown.
New Capital Gains TaxSelling stocks or a rental property? Tax owed at the 50% inclusion rate, and why your principal residence pays $0.
New Donation Tax CreditWhat your charitable giving really costs after federal and provincial credits, and how to claim it smarter.
New Salary ↔ HourlyConvert pay both ways, and see your true hourly rate once unpaid overtime is counted.
New Freelance RateThe hourly rate that actually replaces your salary, covering both halves of CPP, downtime and dry spells.
New Benefits & CreditsEstimate your Canada Child Benefit, the new Canada Groceries & Essentials Benefit (2026) and the Workers Benefit from your family income.
Banking & Cards
3 toolsComparison tools priced on your usage, some links may earn a referral commission (disclosure); rankings come from the math, never the commission.
Cards ranked by net rewards on your actual spending, earn rates × your budget, minus the fee. Low-interest view for balance-carriers.
New HISA & Bank AccountsSavings rates (regular vs teaser promos) and chequing fees compared, with the interest math done on your balance.
New Business AccountsBig-5 vs fintech business banking priced on your transactions, e-Transfers and balance, sole-prop and corporation views.
Protection & Planning
6 toolsHow much term coverage your family actually needs, debts, income replacement, education and final costs, minus what you have.
Emergency FundYour target fund based on your real fixed costs and job risk, plus a monthly plan to get there in a high-interest account.
New Savings GoalPick a number and a date, get the exact monthly amount, with interest doing part of the work.
RESP & CESGEducation savings with the 20% government match modelled properly, catch-up room, the $7,200 grant cap, and cost of delay.
New Net WorthYour full balance sheet in two minutes, assets minus liabilities, with Canadian median benchmarks by age.
Currency & FX FeesConvert CAD to major currencies, and see what the typical 2.5% bank spread quietly costs on top of the mid-market rate.
Costco: Executive UpgradeIs the $130 Executive tier worth it over Gold Star? The 2% reward is on pre-tax spend, so the break-even depends on your province and cart.
Halal Finance
3 toolsShariah-aware money tools with the same Canadian rigour, where rulings differ between schools, the tools show you the choice instead of silently picking one. See the halal finance hub →
Zakat in Canadian dollars, current gold and silver nisab, RRSP and TFSA treatment, jewelry, and eligible debt deductions at 2.5%.
New Halal ETF ExplorerEvery Shariah-compliant ETF a Canadian can buy. MERs, AAOIFI screening, CAD vs US listings, and what the fees cost per year.
New Halal MortgageCompare Canadian halal home financing. Murabaha, diminishing Musharaka, and Ijara providers priced side by side, and how they compare with a conventional mortgage.
What Would They Say?
12 toolsEnter your finances, get graded by the philosophy of a famous money personality. Educational fun, each tool explains the rules it applies.
Slice your take-home pay into her Life Pie, housing, transport, life, debt and savings, and see where she'd tell you to stop the bleeding.
Dan BortolottiThe Couch Potato lens: match your risk to a one-ticket index fund and see the lifetime fee savings versus a 2% mutual fund.
David ChiltonThe Wealthy Barber's one rule: pay yourself first. See your savings rate against 10%, and what closing the gap is worth by 65.
Ben FelixEvidence over rules of thumb: the 5% rule for rent vs buy, and the 2.7% rule for how much you can safely spend in retirement.
Shannon Lee SimmonsThe anti-budget: one guilt-free weekly number. Check your fixed costs against her 55% line and find your Hard Limit.
Dave RamseyWhich Baby Step are you on? Get graded on debt, emergency fund and housing by the strictest man in money radio.
Graham StephanYour savings rate vs his legendary standards, and what he'd say about your rent, coffee and side hustle.
Robert KiyosakiAssets column vs liabilities column: does your money work for you, or do you work for it?
Suze Orman"Can you afford it?" Approved or denied on your emergency fund, insurance and that purchase you're eyeing.
Warren BuffettThe Oracle's lens on your portfolio: fees, index funds, cash drag and whether you're being greedy or fearful.
Tony RobbinsYour Freedom Fund number and the compounding machine, plus the fee audit he'd demand you run.
Ramit SethiScore your Conscious Spending Plan: fixed costs, investments, savings, and guilt-free spending on your Rich Life.
Cross-border
4 toolsCanada–US money moves: snowbirds, leaving Canada, and retirement across the border. Educational estimates that flag where you'll want a cross-border professional.
How many days you can winter in the US before the IRS counts you as a tax resident, the 183-day weighted test and the Form 8840 exception.
New Departure TaxLeaving Canada for good? Estimate the deemed-disposition capital-gains tax triggered the day you cut residency, plus the T1161 filing threshold.
New RRSP for US ResidentsLiving in the US with an RRSP or RRIF? Compare the 25% lump-sum vs 15% periodic Canadian withholding under the tax treaty.
New CPP/OAS + US Social SecurityDoes CPP still reduce your US Social Security? After the 2025 WEP repeal, no. Totalization, OAS portability and the coordination basics.
Why these tools?
Most calculators online are American, they get Canadian mortgages wrong (our fixed rates compound semi-annually), ignore CMHC and the stress test, and know nothing about RRSPs, TFSAs or the principal residence exemption. The big Canadian sites are accurate but exist to sell you a rate quote. These tools are neither: every formula is documented on the page it powers, and every 2026 number is sourced and dated. Read the methodology, and if you have a question, spot an issue, or want a tool that doesn't exist yet, email [email protected].
The numbers change every January.
Tax brackets, TFSA and RRSP limits, CMHC rules, CPP and OAS amounts, they all roll over each year. Get one email when the new year's numbers are live in every tool, plus the occasional new-tool announcement. Nothing else.