About Loonies & Sense
Free Canadian financial calculators and education built by Canadians, for Canadians.
We're on a mission to empower every Canadian with the knowledge and tools they need to make confident financial decisions.
Built for Canadians
Every calculator uses official CRA formulas, current tax rates, and Canadian government benefit calculations. From TFSA vs RRSP to CPP/OAS timing, we speak Canadian.
Always Free
All calculators are free to use with no registration required. Want to track your learning progress? Create a free account, but you'll never pay a cent.
Regularly Updated
We monitor government sources and update our calculators when tax rates, benefit amounts, or contribution limits change. Every calculator shows when it was last updated.
Why We Exist
Most financial calculators are built for Americans. Canadians deserve better.
The Problem
Try searching for a TFSA calculator online. Most tools have no idea what a TFSA is. Want to compare salary vs dividends for tax optimization? You'll find American S-Corp calculators that don't apply to Canada.
Our tax system is different. Our retirement accounts work differently. Our government benefits have unique rules.
The Solution
Loonies & Sense was built specifically for Canada's financial system. We use real Canadian tax brackets, actual CRA formulas, and official government benefit calculations.
Everything is in Canadian dollars, references Canadian institutions, and accounts for Canadian regulations. No more guessing or adapting American tools.
19+ Free Calculators
From retirement planning to tax optimization, from home buying to college savings. All calculators use official government formulas and current rates.
Browse CalculatorsPersonalized Learning
Master Canadian personal finance with AI-curated learning paths. Track your progress, earn milestones, and build confidence managing your money.
Start LearningLifecycle Planning
Track your financial journey from career start to retirement. Get age-appropriate guidance and see your complete financial picture.
Get On The WaitlistOur Commitment
Accuracy, transparency, and always free
Built on Facts
- •Official CRA and Service Canada formulas
- •Current tax rates for all provinces and territories
- •Cited sources you can verify
- •Regular updates when rates change
Free Forever
- •All calculators free with no registration
- •No credit card required, ever
- •Optional free account for learning features
- •Privacy-first: calculations run in your browser
BC Benefit Corporation
- •Financial literacy is in our DNA
- •Legally committed to furthering this cause for Canadians
- •Public benefit is built into our corporate structure
- •Accountable to our mission, not just shareholders
Get In Touch
Have questions? Want to provide feedback? We'd love to hear from you.