Free Canadian Calculators
All calculators,
all provinces.
45+ free financial calculators built specifically for Canada. All updated for 2025 using CRA data.
Income & Tax
6 calculators
Income Tax Calculator
Federal + provincial tax, CPP, EI — all 13 provinces. 2025 rates.
Paycheck / Net Pay
See exact deductions on each pay period — weekly, bi-weekly, monthly.
Capital Gains Tax
2025 inclusion rate changes, all provinces, primary residence exemption.
GST / HST Calculator
Add or remove tax by province. Handles GST, HST, and PST.
Self-Employed Tax
Freelancers and contractors — income tax plus both sides of CPP.
Tax Refund Estimator
Estimate your CRA refund or balance owing for the 2025 tax year.
Mortgage & Housing
5 calculators
Mortgage Payment
Canadian semi-annual compounding, CMHC tiers, full amortization table.
Mortgage Affordability
How much home can you afford based on income and down payment?
Land Transfer Tax
Ontario + Toronto double LTT with first-time buyer rebates applied.
FHSA Calculator
First Home Savings Account growth and tax deduction projections.
Rent vs Buy
Is it cheaper to rent or buy in your city? Real math, not guesswork.
Investing & Savings
6 calculators
RRSP vs TFSA
Side-by-side after-tax comparison based on your income and bracket.
TFSA Contribution Room
Exact cumulative room tracker from 2009 to 2026 by birth year.
RRSP Contribution Limit
Calculate your 2026 RRSP room and deduction value at your tax rate.
FHSA Calculator
Max $8k/year, $40k lifetime — see your tax savings and growth.
Compound Growth Calculator
See how investments grow over time with compound returns.
Dividend Tax Credit
Eligible vs non-eligible dividends — after-tax income comparison.
Retirement
4 calculators
CPP Retirement Estimator
CPP at 60, 65, or 70 — breakeven analysis and lifetime totals.
OAS / GIS Estimator
Old Age Security and Guaranteed Income Supplement amounts for 2026.
RRIF Withdrawal Calculator
Mandatory minimum RRIF withdrawals by age — tax implications included.
Retirement Savings Goal
How much do you need to retire comfortably? Calculate your target.
Business & Self-Employed
3 calculators
Calculate by province
Each province has its own tax rates. Click to pre-load your province in the income tax calculator.
Ontario
Top rate: 53.5%
British Columbia
Top rate: 53.5%
Alberta
Top rate: 48.0%
Quebec
Top rate: 53.75%
Manitoba
Top rate: 50.4%
Saskatchewan
Top rate: 47.5%
Nova Scotia
Top rate: 54.0%
New Brunswick
Top rate: 52.5%
Newfoundland
Top rate: 52.8%
PEI
Top rate: 51.75%
Yukon
Top rate: 48.0%
NWT
Top rate: 47.05%
Nunavut
Top rate: 44.5%