Free Canadian Finance Calculators
Built for Canadian rules — TFSA limits, stress test rates, CRA rules. No sign-up required.
Canadian Retirement Planner
The full picture, not a single question. Model take-home pay, federal and provincial tax, CPP, EI, RRSP, TFSA, RESP, mortgage paydown and retirement drawdown to age 95 — then stress-test it with 1,000 Monte Carlo simulations and export a PDF summary.
- Two-person household modelling
- Monte Carlo stress test
- PDF summary export
- Nothing leaves your browser
Quick calculators
Single-question tools for when you don’t need the full plan.
TFSA Contribution Room Calculator
Find out exactly how much TFSA room you have left. Enter your birth year and total contributions — we calculate the rest from 2009 to 2026.
Mortgage Affordability Calculator
Calculate how much mortgage you can afford, including the federal stress test at contract rate + 2% or 5.25% (whichever is higher).
RRSP vs TFSA Optimizer
Enter your income, tax rate, and expected retirement income to see whether contributing to your RRSP or TFSA saves you more tax.
GIC Ladder Builder
Split your GIC investment across multiple terms to balance yield and liquidity. See maturity dates and projected returns with current rates.
Credit Card Rewards Maximizer
Enter your monthly spending by category (groceries, gas, dining, travel) and we'll show you which Canadian credit card combination earns the most rewards.