Plan your taxes, savings, mortgage, and future in seconds — with tools built specifically for Canadian rules.
The three calculators every Canadian should run through at least once.
Enter your income and RRSP contribution — see your exact federal + provincial tax refund in seconds. Covers all 13 provinces with 2025 brackets.
Find your maximum home price, monthly payment, and GDS/TDS ratios using real Canadian mortgage rules — including the 2025 OSFI stress test.
See your exact take-home pay after federal tax, provincial tax, CPP, and EI. Works for employees and self-employed. Monthly, bi-weekly, and weekly breakdowns.
Canadian-specific tools built with the actual rules that affect you.
Project your retirement balance under both accounts and see which one wins based on your income and age.
Compare →Estimate your 2025 federal + provincial RRSP refund instantly. All 13 provinces and territories.
Calculate →Your real take-home pay after all deductions — tax, CPP, EI. Employee and self-employed supported.
Calculate →Max home price, monthly payment, GDS/TDS ratios — using Canadian semi-annual compounding and stress test.
Calculate →Compare your 10/20/30-year net worth whether you rent and invest vs buy a home in Canada.
Compare →Allocate your take-home pay with a live donut chart. Includes 50/30/20 rule auto-fill and real-time surplus tracking.
Plan →Find your ideal emergency fund size based on your expenses and employment type. See your time-to-goal.
Calculate →A popular Canadian strategy: contribute to RRSP to get the tax refund, then immediately put that refund into your TFSA. You effectively get both benefits.
Even if you negotiate a 4% rate, OSFI requires lenders to qualify you at 6% (rate + 2%). Plan for a payment at the stress test rate — not your actual rate.
Self-employed Canadians pay both the employee and employer CPP portions — that's 11.9% vs 5.95% for employees. Plan this into your quarterly remittances.
If you turned 18 before 2009 and have never contributed, your 2025 cumulative TFSA room is $102,000. Even unused room from previous years carries forward forever.
Before maxing RRSPs or TFSAs, build 3–6 months of essential expenses in a HISA or TFSA. Without it, one unexpected event forces you to break investments at the worst time.
In most Canadian markets, buying only beats renting (on a net-worth basis) after 7–10 years. If you might move sooner, renting and investing the difference is often smarter.
All tax brackets, BPA amounts, RRSP and TFSA limits are sourced directly from the Canada Revenue Agency and updated for 2025.
Every calculation runs entirely in your browser. We collect no personal data, no financial information, and use no tracking cookies.
Built mobile-first. Every calculator works perfectly on your phone, tablet, or desktop with no app to download.
No subscription, no paywall, no "premium" version. Every tool is free forever. No signup required at any point.
Which account is right for your income and timeline? A detailed breakdown with contribution limits and strategy.
Read article →Stress test, GDS ratios, down payment rules, and CMHC insurance — everything you need before you make an offer.
Read article →The popular US budgeting rule meets Canadian housing costs. We run the numbers with Statistics Canada data.
Read article →These are the platforms we recommend to Canadians for investing, saving, and banking. Some links are referral links — you often get a bonus, and so do we. We only list tools we'd actually use.
Canada's most popular investing app. Commission-free stock & ETF trading, TFSA, RRSP, and FHSA accounts. Trusted by 3M+ Canadians.
Open Free Account →Buy ETFs free, low commissions on stocks. RRSP, TFSA, RESP, margin accounts. One of Canada's most trusted brokerages since 1999.
Start Investing →One of Canada's best savings rates. No monthly fees, no minimum balance. TFSA Savings Account and GICs available. CDIC insured.
See Current Rates →A Canadian fintech with cash-back on all spending, no-fee prepaid Visa, built-in savings features, and free credit score monitoring.
Get Free Card →* Some links above are referral/affiliate links. We may receive compensation if you sign up, at no extra cost to you. We only recommend products available to Canadians that we believe provide genuine value.