Financial Calculators
Free Canadian financial calculators to help you make smarter money decisions. Calculate retirement income, compare TFSA vs RRSP strategies, estimate college costs, optimize your mortgage, and plan your financial future—all without registration. Built specifically for Canadians with accurate tax rates and benefit formulas.
CPP & OAS Timing Calculator
Optimize Your Benefit Timing
Optimize when to start your Canada Pension Plan (CPP) and Old Age Security (OAS) benefits for .maximum lifetime value See how different timing strategies can impact your retirement income.
Open CalculatorCPP Survivorship Calculator
Survivor Benefit Estimates
Calculate Canada Pension Plan survivor benefits based on Section 58 of the CPP regulations. Get comprehensive estimates for various survivor situations including age reductions, combined benefits, and post-2018 enhancements.
Open CalculatorRRIF/LIF/LRIF Calculator
Retirement Income Planner
Calculate RRIF minimum withdrawals with 2025 CRA rates. Plan retirement income for RRIF, LIF, and LRIF accounts. Includes Quebec LIF changes (no max for 55+), spouse age option, and year-by-year projections with pension income credit eligibility.
Open CalculatorTFSA vs RRSP Calculator
Tax-Efficient Investment Strategy
Compare Tax-Free Savings Account (TFSA) and Registered Retirement Savings Plan (RRSP) strategies. Understand how current vs. retirement tax rates and refund reinvestment impact your optimal choice for long-term wealth building.
Open CalculatorCanadian Tax Calculator
Personal & Corporate Taxes
Calculate your personal or corporate Canadian taxes with detailed breakdowns by province. Includes federal and provincial tax calculations, deductions, and credits.
Open CalculatorSalary vs Dividends Calculator
CCPC Compensation Strategy
Compare salary and dividend compensation strategies for Canadian CCPCs. Includes RDTOH, CDA, GRIP calculations, and integration tax analysis to optimize your corporate compensation structure.
Open CalculatorBank of Canada Exchange Rate Lookup
Official Rates for Tax Reporting
Look up official Bank of Canada exchange rates for T1135 foreign asset reporting, foreign income conversions, and tax purposes. Access daily, monthly, and year-end rates for 26+ currencies with CRA-compliant conversions.
Open CalculatorT1135 Foreign Property Checker
Determine Your Filing Requirement
Interactive step-by-step guide to determine if you need to file a T1135 Foreign Income Verification Statement. Calculate thresholds, check exemptions, and understand penalties for Canadian tax residents with foreign property.
Open CalculatorHome Buyers' Plan (HBP) Calculator
RRSP Down Payment Planner
Calculate Home Buyers' Plan eligibility, withdrawal amounts, and 15-year repayment schedule. Withdraw up to $60,000 ($120K for couples) from your RRSP for a down payment. See the true opportunity cost with 5-year grace period for 2022-2025 withdrawals.
Open CalculatorFHSA Calculator
Compare FHSA vs RRSP+HBP vs TFSA
Compare First Home Savings Account (FHSA) with RRSP Home Buyers' Plan and TFSA for down payment savings. See tax benefits, contribution limits ($8k/year FHSA, $60k HBP), and optimal strategy for your home purchase timeline with couple scenarios.
Open CalculatorHome Cost Calculator
True Cost of Homeownership
Calculate the true cost of buying a home in Canada including CMHC insurance, land transfer taxes, ongoing costs, and present value analysis with provincial variations.
Open CalculatorCanadian Mortgage Optimizer
Prepayment & Term Optimization
Optimize your mortgage with prepayments, lump sums, and Canadian term renewal modeling. See how extra payments and different strategies can save thousands in interest and reduce your amortization period with real vs nominal analysis.
Open CalculatorInvestment Fees Visualizer
Fee Impact Analysis
Compare how investment fees impact your returns using realistic market simulation. See how different fee levels affect wealth building and retirement timing with Monte Carlo analysis.
Open CalculatorCollege Cost Calculator
Education Cost Estimator
Estimate the total cost of post-secondary education in Canada including tuition, living expenses, and other costs. Uses Statistics Canada data for accurate provincial and program-specific calculations.
Open CalculatorRESP Contribution Optimizer
Maximize CESG & Provincial Grants
Compare RESP contribution strategies to maximize government grants. Calculate CESG (20% federal match), BCTESG ($1,200 BC grant), and QESI (10% Quebec match). See year-by-year projections for steady contributions vs front-loading.
Open CalculatorCar Cost Calculator
True Cost of Vehicle Ownership
Compare the total cost of ownership between financing a new car versus buying a used car with cash and investing the difference. Includes depreciation, interest, insurance, maintenance, and investment opportunity analysis.
Open CalculatorLife Expectancy Calculator
Canadian Mortality Data
Calculate your life expectancy based on Canadian mortality data (CPM2014). Understand survival probabilities, retirement planning horizons, and financial planning scenarios using actuarial tables and FP Canada guidelines.
Open CalculatorRest of Your Life Calculator
Time & Health Visualization
Visualize how you'll spend your remaining time and understand your health journey using Canadian mortality data. See your life in weeks, plan for healthy years, and make time allocation decisions.
Open CalculatorDying Without a Will Calculator
See Who Inherits Your Estate
Calculate how your estate would be distributed if you die without a will in Canada. Understand provincial intestacy laws and see exactly who inherits your assets based on your family situation and province.
Open CalculatorDividend Income Calculator
Build Your Passive Income Stream
Calculate how much you need to save monthly to reach your target dividend income goal. Factors in inflation, dividend yield, and dividend growth to show your path to passive income with year-by-year projections.
Open CalculatorTFSA Limit Estimator
Future Contribution Limit Calculator
Estimate future TFSA contribution limits using the official CRA formula: $5,000 base indexed to CPI and rounded to nearest $500. Includes historical data, 5-year projections, and political override detection.
Open CalculatorCanadian Expat Tax Calculator
Coming Soon
Calculate tax implications for Canadian expatriates including foreign income, tax treaties, and residency considerations.
Why Use Our Calculators?
100% Free
All our calculators are completely free to use. No registration, no payment, no hidden fees. We believe financial planning tools should be accessible to all Canadians.
Accurate & Up-to-Date
Our calculators use the latest Canadian tax rates, government benefit formulas, and regulations. We update them annually after federal and provincial budgets are released.
Privacy & Security
All calculations are performed locally in your browser. We don't store, track, or share any of your financial information. Your privacy is our priority.
No Account Required
Start calculating immediately - no sign-up needed. Create a free account later if you want to save your calculations and track your financial progress.
Professionally Designed
Built by financial professionals using industry-standard formulas and current Canadian regulations. Excellent for planning and comparison purposes.
Planning Estimates
Our calculators provide estimates for planning purposes. For major financial decisions, we recommend consulting a qualified financial advisor who can review your complete picture.