22 free financial
calculators

All calculators use real 2026 CRA rules, federal tax brackets, and provincial marginal rates for all 10 provinces. They are built and reviewed by licensed financial advisors. They are designed to give you a precise directional answer — not a rough estimate. For complex situations (business income, split income, foreign assets), we recommend booking a consultation.

No account, no email, no credit card. All 22 calculators are completely free and run entirely in your browser. No data is sent to our servers when you use the calculators — your numbers stay on your device.

RRSP contributions give you a tax deduction now but you pay tax on withdrawals in retirement. TFSA contributions use after-tax dollars but withdrawals are completely tax-free. Which is better depends on your current tax rate vs your expected retirement tax rate — our TFSA vs RRSP calculator tells you the exact answer for your situation, province, and income.

CPP taken at 60 is reduced by 36% permanently. CPP taken at 70 is increased by 42% permanently. Taking it earlier makes sense only if your life expectancy is below age 74 (for the 60 vs 65 decision) or below age 82 (for the 65 vs 70 decision). Our CPP Optimizer models your exact lifetime income at all three ages based on your CPP estimate and life expectancy.

OAS can start at 65 or be deferred to age 70 for a 36% permanent increase. The OAS Recovery Tax claws back 15 cents for every dollar of net income above $93,454 in 2026, with full clawback around $151,668. Our OAS Calculator shows your optimal start age, cumulative lifetime income, and strategies to reduce clawback through income splitting and RRSP timing.

Your available room depends on the year you turned 18, total contributions, and withdrawals made (which restore on January 1 of the following year). The cumulative limit for anyone eligible since 2009 is $102,000 as of 2026. Our TFSA Contribution Room Calculator computes your exact available room year by year and warns you if you're at risk of an over-contribution penalty (1%/month on the excess).

Under OSFI B-20, lenders must qualify you at the higher of your contract rate plus 2%, or 5.25%. Your GDS ratio must be under 39% and TDS under 44%. Our Mortgage Affordability Calculator runs this exact simulation, finds your maximum purchase price, calculates the CMHC insurance premium if your down payment is under 20%, and shows the full closing cost breakdown including land transfer tax by province.

Canadian lenders allow a combined mortgage + HELOC up to 80% of your home's appraised value, with the HELOC portion capped at 65% LTV. You also need to pass the mortgage stress test, a GDS ratio under 39%, and a credit score of at least 650 at most major banks. Our HELOC Eligibility Calculator checks all of these factors and shows you exactly what each major lender would offer.

The Smith Manoeuvre is a legal Canadian tax strategy where you borrow from a HELOC to invest in income-producing assets (such as Canadian dividend ETFs), then deduct the HELOC interest on your T1 return (Line 22100). The CRA allows this deduction as long as the borrowed money is used to earn investment income. Our HELOC Wealth Builder Calculator models your exact 10–30 year outcome including capital gains tax, dividend tax, and all CRA deductions.

Our calculators are built for Canadian residents using Canadian tax law — CRA rules, provincial rates, TFSA, RRSP, RESP, CPP, OAS, and CMHC rules. Some tools like compound interest, insurance needs (DIME), debt payoff, and emergency fund calculators are universally applicable. For US-specific tax planning, please consult a cross-border specialist.

We update all tax data at the start of each calendar year when CRA publishes new brackets and contribution limits. All tools currently reflect 2026 rates including the RRSP maximum ($32,490), TFSA annual limit ($7,000 — lifetime room $102,000), and updated provincial brackets for all 10 provinces.