Free Canadian
Financial Calculators
17 accurate tools built specifically for Canadian tax rules, mortgage law, savings accounts, and auto financing. No ads. No fluff.
Canadian Mortgage Calculator
Semi-annual compounding (Canadian law), CMHC insurance, stress test qualifying rate, and full amortization schedule.
Calculate →Land Transfer Tax Calculator
LTT for all provinces including Ontario, BC (PTT), Quebec (Welcome Tax), Manitoba. First-time buyer rebates and Toronto municipal LTT included.
Calculate →Rent vs Buy Calculator
Compare the true financial cost of renting vs buying a Canadian home, including opportunity cost of your down payment and property appreciation.
Calculate →HST / GST Calculator
Add or remove Canadian sales tax for all 13 provinces and territories. Correct 2026 rates with federal vs provincial breakdown.
Calculate →Income Tax Calculator
2026 federal and provincial income tax for all 13 provinces. Includes CPP and EI deductions, effective rate, marginal rate, and net take-home pay.
Calculate →AMT Calculator Canada
Calculate Alternative Minimum Tax on capital gains, stock options, or large donations. Includes 2024 budget changes: 20.5% rate, $173,205 exemption.
Calculate →Car Tax Calculator Canada
How much tax will you pay buying a car in your province? HST, PST, GST rates for new and used vehicles. Includes BC luxury surtax and QC private sale rules.
Calculate →Income Splitting Calculator
See how much tax Canadian couples save with pension income splitting. Finds the optimal split percentage for your situation and shows 20-year savings.
Calculate →TFSA Room Calculator
Find your total TFSA contribution room since 2009, customized by your birth year and year you became a Canadian resident.
Calculate →RRSP Calculator
Calculate your 2026 RRSP contribution limit, immediate tax refund by province, and compound growth projection at retirement.
Calculate →CPP & OAS Estimator
Estimate your Canada Pension Plan monthly benefit at 60, 65, or 70 — and your Old Age Security amount. Includes breakeven age comparison.
Calculate →Senior Income Tax Calculator
Income tax for Canadians 65+. Handles CPP, OAS, pension, RRIF withdrawals, the age amount credit, pension income credit, and OAS clawback.
Calculate →Retirement Income Tax Calculator
Full retirement tax picture: RRIF, CPP, OAS, DB pension, dividends, and capital gains. Shows net monthly income and effective tax rate.
Calculate →Car Loan Calculator
Calculate your monthly car payment with Canadian provincial taxes, trade-in value, and a full amortization schedule.
Calculate →Lease vs Buy Calculator
Compare the true total cost of leasing vs financing a vehicle in Canada. See which option saves you more money over time.
Calculate →Car Depreciation Calculator
See how much your car will be worth year by year. Choose from sedan, SUV, truck, luxury, electric, or minivan depreciation profiles.
Calculate →Car Affordability Calculator
Find out how much car you can afford based on the 20/4/10 rule, 15% take-home rule, and the 40% TDS lender maximum.
Calculate →