Calculators
Financial calculators
No account required. Every calculator's inputs live in the URL, so a result is just a link away.
Renewal shock calculator
Canadian mortgages re-price every five years — see the payment before the letter arrives.
RRSP contribution optimizer
Find the contribution that deducts every dollar at your highest rate, and price the refund.
Benefit eligibility checker
Estimate the Canada Child Benefit, GST/HST credit, and Canada Workers Benefit you're owed.
First-time home buyer calculator
Land transfer tax by province and city, the stress test, CMHC, and your down payment sources.
Take-home pay calculator
Gross to net by province or state — income tax, CPP/QPP and EI or FICA — plus the property tax your city charges on your assessed value.
Mortgage stress test calculator
The federal qualifying rate, your GDS and TDS ratios, and the maximum mortgage a lender will approve on your income.
Dividend optimizer
Eligible dividends, non-eligible dividends, or salary — which route out of your corporation delivers the same after-tax cash for the least combined tax?
Corporate tax (T2) calculator
Revenue, expenses, province, and the small-business deduction — your corporation's combined federal + provincial tax bill, with the passive-income grind priced in.
GST/HST & sales tax calculator
Add tax to a price or pull it out of a total — GST, HST, PST and QST for every province at 2026 rates, with the full rate table.
Self-employed tax (T2125) calculator
Net business income to take-home for sole proprietors and freelancers: personal tax plus both halves of CPP, by province.
Payroll & employer cost calculator
What one employee really costs — CPP match, EI at 1.4×, QPIP — plus the provincial payroll health taxes on your total payroll.
CCA & write-offs toolkit
CCA depreciation schedules by class, corporate tax instalments, and the business-use-of-home deduction — three small tools in one.
Mortgage calculator
Canadian semi-annual compounding, done correctly. Payment, amortization schedule, and prepayment modeling.
Compound growth calculator
Project an investment with regular contributions, contribution escalation, and a real-vs-nominal toggle.
Opportunity cost calculator
What does spending $X today cost you in future value? Compare it head-to-head against another option.
Rental property cash flow
Monthly cash flow, cash-on-cash, cap rate, and DSCR — with vacancy priced in and the mortgage payment derived.
Prepay mortgage vs invest
Extra payments or the market? Judged at the same finish line, with the freed-up payment invested too.
RRSP or TFSA?
Where the next dollar goes comes down to one comparison: your marginal tax rate now vs in retirement.
Coast-FIRE projector
Portfolio + pension + rentals projected in today's dollars, and the point where contributions become optional.
Not financial, tax, or investment advice.