All calculators

Bond Yield to Maturity Calculator Calculate yield to maturity (YTM) on any bond given price, coupon, face value, and time to maturity. Supports annual, semi-annual, and quarterly… Run → Compound Interest Calculator Calculate compound growth of savings with optional monthly contributions. Supports daily, monthly, semi-annual, and annual compounding. Run → Dividend Tax Credit Calculator (Canada) Calculate the Canadian dividend tax credit for eligible and non-eligible dividends. Shows gross-up, federal DTC, and approximate combined tax at top bracket. Run → Dividend Yield Calculator Calculate current dividend yield, yield-on-cost, and projected annual dividend income for a Canadian stock holding. Run → Dollar-Cost Averaging (DCA) Calculator Project portfolio growth using dollar-cost averaging with regular contributions. Compare to lump-sum-equivalent return. Run → Emergency Fund Calculator Calculate how much emergency savings you need based on monthly expenses and job stability. Ranges from 3 months (stable dual-income) to 9… Run → GIC Maturity Calculator Calculate the maturity value of a Canadian GIC with annual, semi-annual, monthly, or simple compounding. Shows effective annual return. Run → Life Insurance Need Calculator (DIME) Calculate your life insurance coverage need using the DIME framework: Debt, Income replacement, Mortgage, Education. Run → Net Worth Calculator Calculate your total net worth: assets minus liabilities. Includes a separate liquid net worth figure excluding your home and registered accounts. Run → Portfolio Growth Calculator with Contributions Project your investment portfolio with an initial balance plus regular monthly contributions. Shows both nominal and inflation-adjusted (real) final values. Run → Rental Property ROI Calculator Calculate cap rate, cash-on-cash return, and annual cash flow for a Canadian rental property investment. Run → RESP CESG Grant Calculator Project your total Canada Education Savings Grant (CESG) over the life of an RESP. Includes A-CESG income top-ups for low and middle… Run → Return on Investment (ROI) Calculator Calculate total ROI and annualized return on any investment. Includes transaction costs for a true net return. Run → TFSA Contribution Room Calculator Calculate your 2026 TFSA contribution room from your year of birth, lifetime contributions, and prior withdrawals. Uses CRA annual limits from 2009… Run →

Canadian Auto Loan Calculator Calculate your Canadian auto loan payment with provincial sales tax handling and trade-in value logic. Supports all 10 provinces and 3 territories. Run → Canadian Personal Loan Calculator Calculate the true cost of a Canadian personal loan including origination fees. Compare rates and total cost of borrowing across offers. Run → Canadian Student Loan Payment Calculator Calculate monthly payments on a Canadian Student Loan. Federal portion is interest-free since 2023; provincial portions may still charge interest. Run → CMHC Mortgage Insurance Premium Calculator Calculate your CMHC mortgage default insurance premium based on loan-to-value ratio. Includes 30-year amortization surcharge and self-employed premium tier. Run → Credit Card Payoff Calculator See how long minimum payments will take vs a fixed monthly payment. The minimum-payment trap explained with real numbers. Run → Debt Consolidation Calculator Compare multiple high-interest debts against a single consolidation loan. See if consolidating actually saves money or just stretches payments. Run → Debt-to-Income Ratio Calculator Calculate your GDS and TDS ratios the way Canadian lenders do. GDS ≤ 39% and TDS ≤ 44% are the CMHC thresholds… Run → HELOC Payment Calculator Compare HELOC interest-only minimum payments with a targeted payoff schedule. See the true cost of carrying a Home Equity Line of Credit. Run → Mortgage Stress Test Calculator Test whether you qualify under OSFI B-20 at the stress-tested rate. Uses GDS ≤ 39% and TDS ≤ 44% at the higher… Run →

Alberta Mortgage Calculator 2025 — No Land Transfer Tax Calculate your Alberta mortgage payment plus low closing costs. Alberta has no Land Transfer Tax, only modest Land Titles Office registration fees. Run → BC Mortgage Calculator 2025 — Property Transfer Tax and Payments Calculate your BC mortgage payment plus Property Transfer Tax with accurate first-time buyer exemption phase-out up to $835,000. Run → Biweekly Mortgage Payment Calculator 2025 — Canada Compare monthly, biweekly, and accelerated biweekly mortgage payments. Accelerated biweekly shaves years off your amortization by adding one extra monthly payment per… Run → Canadian Mortgage Affordability Calculator Calculate the maximum home price you can afford in Canada at the stress-tested rate using CMHC's GDS ≤ 39% and TDS ≤… Run → Fixed vs Variable Mortgage Calculator 2025 — Canada Compare interest paid over the term for fixed-rate certainty versus variable-rate best-estimate. Model your own variable rate assumption. Run → Mortgage Amortization Schedule Calculator Generate a year-by-year breakdown of your mortgage: interest paid, principal paid, and remaining balance at each year-end. Run → Mortgage Prepayment Penalty Calculator 2025 — Canada Estimate your mortgage prepayment penalty using either Interest Rate Differential (IRD) or three months’ interest, whichever your lender applies. Run → Mortgage Refinance Breakeven Calculator Calculate how many months it takes for your monthly savings to offset the penalty and closing costs of refinancing your mortgage. Run → Ontario Mortgage Calculator 2025 — Payment, LTT, and Closing Costs Calculate your Ontario mortgage payment with integrated closing costs: provincial LTT, Toronto MLTT if applicable, and first-time buyer rebates. Run → Reverse Mortgage Calculator (Canada) Estimate how much you can borrow against your home through a Canadian reverse mortgage. Shows compound interest cost over your holding period. Run →

Canadian Property Tax Calculator Estimate annual property tax in major Canadian cities. Pre-populated with typical mill rates for Toronto, Vancouver, Montreal, Calgary, and more. Run → Manitoba Land Transfer Tax Calculator Calculate Manitoba's Land Transfer Tax using the five-tier bracket structure. Applies province-wide to all residential property purchases. Run → New Brunswick Real Property Transfer Tax Calculator Calculate New Brunswick's Real Property Transfer Tax at a flat 1.0% rate on the greater of purchase price or assessed value. Run → Nova Scotia Deed Transfer Tax Calculator Calculate Nova Scotia's municipally-set Deed Transfer Tax plus the 5% Non-Resident Deed Transfer Tax introduced in 2022 for non-NS buyers. Run → Ontario Land Transfer Tax Calculator Calculate the Ontario Land Transfer Tax (LTT) on a home purchase. Uses the current 2026 bracket structure from the Ontario Ministry of… Run → Toronto Land Transfer Tax Calculator Calculate Toronto's Municipal Land Transfer Tax plus the Ontario provincial LTT on a home purchase in Toronto. Uses the 2024 luxury-tier bracket… Run →

FHSA Contribution Calculator Calculate your First Home Savings Account contribution room including annual limit, carry-forward cap, and lifetime limit. Estimates tax savings at your marginal… Run → Projection de croissance du CELI Projetez le solde de votre CELI avec cotisations régulières dans le temps. Compare la croissance à l'abri de l'impôt à un portefeuille… Run → RRSP vs TFSA Calculator Compare the after-tax retirement value of an RRSP versus a TFSA at your marginal tax rates today and at withdrawal. Accurate math… Run → TFSA Growth Projection Calculator Project your TFSA balance with regular contributions over time. Compares tax-free growth to an equivalent non-registered portfolio. Run →

Canada Child Benefit Calculator Estimate your monthly Canada Child Benefit using 2025-26 maximums and CRA's two-tier phase-out. Accounts for number of children and adjusted family net… Run → Canada Pension Projection Calculator Forecast your total retirement income combining CPP, OAS, and RRSP/RRIF drawdown. Flags OAS clawback risk if projected income exceeds the threshold. Run → CPP Retirement Benefit Calculator Estimate your monthly Canada Pension Plan retirement benefit based on contribution history and chosen start age (60-70). Includes early/late start adjustments. Run → CPP Timing Calculator 2026 — Best Age to Start CPP Deciding when to start your Canada Pension Plan (CPP) benefit is one of the most consequential retirement income choices Canadians face. Taking… Run → GIS Eligibility Calculator Check your eligibility for the Guaranteed Income Supplement (GIS). A monthly non-taxable payment for low-income OAS recipients aged 65+. Run → GST/HST Credit Calculator Estimate your quarterly GST/HST credit based on adjusted family net income, marital status, and children. Tax-free payment from CRA. Run → Home Buyers’ Plan (HBP) Calculator Calculate your Home Buyers' Plan withdrawal and 15-year repayment schedule. Up to $60,000 per person since 2024 for first-time home purchases. Run → OAS Benefit Calculator Estimate your Old Age Security pension including residence-based partial pension, deferral bonus (up to age 70), and the recovery tax (clawback) above… Run → Quebec Pension Plan (QPP) Calculator Estimate your Quebec Pension Plan retirement benefit. QPP mirrors CPP but Quebec allows deferral to age 72 (two years longer than CPP). Run → Retirement Savings Gap Calculator Project your retirement savings against your required nest egg. Shows shortfall or surplus plus the additional annual contribution needed to close the… Run → Retirement Withdrawal Sustainability Calculator Test whether your retirement portfolio can sustain a given withdrawal rate over 30+ years. Models sequence of returns with inflation-adjusted withdrawals. Run → RRIF Minimum Withdrawal Calculator Calculate your annual RRIF minimum withdrawal using the CRA prescribed rate table. Rates rise with age, from about 4% at 65 to… Run → RRSP Contribution Room Calculator Calculate your 2026 RRSP contribution limit from earned income, pension adjustment, and unused carry-forward. Estimates your tax savings at your marginal rate. Run → Spousal RRSP Calculator (Income Splitting) Compare after-tax retirement value of contributing to a regular RRSP versus a spousal RRSP. Illustrates the income-splitting advantage. Run →

Alberta GST Calculator Calculate Alberta sales tax: Alberta has no provincial sales tax, so only the 5% federal GST applies. Add or extract GST in… Run → Atlantic HST Calculator (NS, NB, PEI, NL) Calculate Atlantic Canada's 15% Harmonized Sales Tax across Nova Scotia, New Brunswick, PEI, and Newfoundland and Labrador. Run → BC GST + PST Calculator Calculate British Columbia sales taxes: 5% federal GST plus 7% BC Provincial Sales Tax for a combined 12% on most goods. Run → Manitoba GST + RST Calculator Calculate Manitoba sales tax: 5% federal GST plus 7% provincial Retail Sales Tax (RST), combined 12%. Run → Ontario HST Calculator Add or extract Ontario HST at 13%. Supports both directions: add HST to a pre-tax price, or extract HST from a tax-inclusive… Run → Quebec GST + QST Calculator Calculate Quebec sales taxes: 5% GST plus 9.975% QST for a combined rate of 14.975%. Since 2013, QST is applied to the… Run → Saskatchewan GST + PST Calculator Calculate Saskatchewan sales tax: 5% federal GST plus 6% provincial PST, combined 11% on most goods. Run →

Alberta Combined Income Tax Calculator Calculate combined federal + Alberta provincial income tax for 2025. Alberta's new 8% low bracket makes it among Canada's most tax-efficient provinces. Run → BC Climate Action Tax Credit Calculator Calculate the quarterly BC Climate Action Tax Credit (BCCATC) based on income, marital status, and children. BC's provincial equivalent of the federal… Run → BC Combined Income Tax Calculator Calculate combined federal + BC provincial income tax for 2025. BC uses seven provincial brackets reaching a top combined marginal rate of… Run → BC Foreign Buyer Tax Calculator Calculate the BC Additional Property Transfer Tax for foreign buyers. 20% applies in specified regions on top of the base PTT. Run → BC Property Transfer Tax Calculator Calculate British Columbia Property Transfer Tax with accurate FTB and newly-built home exemption phase-outs (2024 thresholds). Run → Bonus Tax Calculator 2025 — Canada Calculate take-home pay on a bonus including income tax, CPP, and EI. Shows effective deduction rate on lump-sum compensation. Run → Canada Capital Gains Tax Calculator Calculate Canadian capital gains tax with the 2024 inclusion-rate change: 50% on first $250,000, 66.67% on gains above. Run → Canada Carbon Rebate (CCR) Calculator 2025 Estimate your Canada Carbon Rebate (formerly Climate Action Incentive Payment) for 8 eligible provinces. Includes the 20% rural supplement. Run → Canada EI Benefit Calculator 2025 — Employment Insurance Estimate your Employment Insurance regular benefit amount, weekly payment (max $695), and total over 14-45 weeks depending on your region. Run → Canada Workers Benefit (CWB) Calculator 2025 Estimate your Canada Workers Benefit, a refundable tax credit for low-income workers. Includes disability supplement and family variations. Run → Canadian EI Contribution Calculator Calculate your Employment Insurance contribution. Quebec workers pay a reduced 1.31% rate because RQAP covers parental benefits. Run → Canadian Federal Income Tax Calculator Calculate your 2025 Canadian federal income tax with bracket breakdown, basic personal amount phase-out, marginal and average rates. Run → Canadian Overtime Pay Calculator Calculate overtime pay under each province's Employment Standards Act. Hour thresholds range from 40 to 48 per week depending on jurisdiction. Run → Canadian Paycheque Take-Home Pay Calculator 2025 Calculate your Canadian net pay after federal tax, provincial tax, CPP, and EI for all 10 provinces. Supports weekly, bi-weekly, semi-monthly, and… Run → Canadian Self-Employment Tax Calculator Calculate the total tax burden on self-employment income: federal + provincial income tax plus the full 11.9% CPP self-employed rate (both halves)… Run → Canadian Small Business Tax Calculator (CCPC) Calculate combined federal + provincial corporate tax for a Canadian-Controlled Private Corporation (CCPC) including the small business deduction. Run → Canadian Tax Refund Estimator Estimate whether you'll get a tax refund or owe at filing time. Compares year-to-date withholding against estimated federal + provincial tax liability. Run → Canadian Vacation Pay Calculator Calculate vacation pay entitlement by province. Most provinces require 4% (2 weeks) rising to 6% (3 weeks) after tenure thresholds. Run → CPP Contribution Calculator 2025 — Canada Pension Plan Calculate your annual CPP contribution including base CPP (5.95%) and CPP2 enhancement (4%) above YMPE. Separate self-employed rates. Run → Disability Tax Credit Calculator Calculate the value of the federal + provincial Disability Tax Credit (DTC). 2025 federal amount is $10,138, with additional $5,914 supplement for… Run → GST/HST Registration Threshold Tracker Track your revenue against the $30,000 small supplier threshold. Once exceeded in any rolling four quarters, you must register for GST/HST. Run → Home Office Deduction Calculator (Canada) Calculate your home office deduction for the tax year. Separate rules for employees (T2200) and self-employed Canadians. Run → Manitoba Combined Income Tax Calculator Calculate combined federal + Manitoba provincial income tax for 2025 using Manitoba's 10.8% / 12.75% / 17.4% bracket structure. Run → Medical Expense Tax Credit Calculator (Canada) Calculate your federal + provincial Medical Expense Tax Credit (METC) using eligible medical expenses above the income-based threshold. Run → Nova Scotia Combined Income Tax Calculator Calculate combined federal + Nova Scotia provincial income tax. NS has Canada's lowest Basic Personal Amount ($8,744) and 5 provincial brackets up… Run → Ontario Combined Income Tax Calculator Calculate your 2025 combined federal and Ontario provincial income tax including Ontario surtax and the Ontario Health Premium. Run → Ontario NRST Calculator Calculate the Ontario Non-Resident Speculation Tax (NRST) of 25% that applies to foreign purchases of residential property province-wide. Run → Ontario Trillium Benefit Calculator Calculate the Ontario Trillium Benefit combining OEPTC, NOEC, and OSTC. Monthly payments to low and moderate-income Ontarians. Run → Principal Residence Exemption Calculator Calculate how much of your home-sale capital gain is tax-exempt using the principal residence formula with the +1 year rule. Run → Quebec Combined Income Tax Calculator Calculate combined federal + Quebec provincial income tax for 2025. Applies the 16.5% Quebec federal abatement unique to Quebec taxpayers. Run → Quebec RQAP Parental Insurance Calculator Estimate your RQAP maternity, paternity, or parental leave benefits. Quebec replaces federal EI parental benefits with more generous RQAP payments. Run → Quebec Solidarity Tax Credit Calculator Calculate the Quebec Solidarity Tax Credit. A monthly payment to low and modest-income Quebec residents combining QST and housing components. Run → Quebec Welcome Tax Calculator Calculate Quebec's droit de mutation immobilière (welcome tax) on a home purchase. Includes Montreal's higher luxury-tier brackets. Run → RRSP Withdrawal Tax Calculator 2025 — Canada Calculate withholding tax on an RRSP withdrawal plus the additional tax owing at your marginal rate. Includes non-resident 25% flat rate option. Run → Salary Gross-Up Calculator Work backward from desired take-home pay to required gross salary. Accounts for income tax, CPP, and EI at your marginal rate. Run → Salary vs Dividend Calculator 2025 — Canadian Small Business Compare net after-tax income from paying yourself salary versus non-eligible dividends from your Canadian CCPC. Classic integration analysis. Run → Saskatchewan Combined Income Tax Calculator Calculate combined federal + Saskatchewan provincial income tax. Saskatchewan has relatively low provincial brackets peaking at 14.5%. Run → Severance Pay Calculator (Canada) Estimate severance entitlement: ESA statutory minimum vs common-law reasonable notice. Includes Bardal factor adjustments for age and seniority. Run →