Free Canadian
Financial Calculators
8 accurate tools built specifically for Canadian tax rules, mortgage law, and savings accounts. 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 2025 rates with federal vs provincial breakdown.
Calculate →Income Tax Calculator
2024 federal and provincial income tax for all 13 provinces. Includes CPP and EI deductions, effective rate, marginal rate, and net take-home pay.
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 2024 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 →