Personal Finance Calculators
Free Canadian personal finance calculators to help you make smarter money decisions. Calculate how timing impacts CPP & OAS benefit, see how Canadian taxes work (literally!), what child benefits you might be entitled to, and see why TFSA vs RRSP choices might not be what you expect. Built by Canadians, for Canadians.
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.
CPP 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.
OAS Clawback Calculator
Recovery Tax & Pro-Rata Benefits
Calculate OAS clawback (recovery tax) and pro-rata benefits based on time spent in Canada. See how income affects your OAS payments with the 15% clawback rate on income above the threshold, and how your years in Canada determine your maximum benefit amount.
RRIF/LIF/LRIF Calculator
Retirement Income Planner
Calculate RRIF minimum withdrawals with current 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.
TFSA 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.
Visual Canadian Tax Calculator
Visual Personal Tax Calculator
Visually calculate your 2024, 2025, and 2026 personal Canadian taxes with interactive sankey diagrams. Detailed federal and provincial breakdowns, deductions, and credits for all provinces and territories.
Canada-wide Tax Comparison
All Provinces & Territories
See how your take-home pay differs across all 13 Canadian provinces and territories. Interactive map showing net income after taxes, CPP, and EI for any income level.
Canada Child Benefit Calculator
Federal CCB + Provincial Benefits
Calculate federal Canada Child Benefit plus provincial child benefits for all provinces. See how RRSP and FHSA contributions can boost your benefits by reducing your Adjusted Family Net Income (AFNI). Includes clawback rates by income bracket.
Home 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 including the extended grace period.
FHSA 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.
Investment 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.
RESP Contribution Visualizer
Explore CESG & Provincial Grants
Visualize RESP contribution strategies and government grants. See how CESG (20% federal match), BCTESG ($1,200 BC grant), and QESI (10% Quebec match) affect your education savings with year-by-year projections.
Life 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.
Rest 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.
Dying 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.
TFSA Contribution Room Calculator
Track Your Available Room
Calculate your total TFSA contribution room based on age, residency, and contribution history. Three modes: lifetime total, with contributions, or year-by-year tracking with withdrawal room restoration.
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.