Canadian financial calculators

Full Monte Carlo retirement simulation with Canadian tax modeling — TFSA / RRSP / RRIF / OAS clawback, stress tests, and AI analysis.

Compare taking CPP at 60, 65, or 70 — breakeven age, lifetime totals, and how delaying boosts your monthly cheque.

Mandatory annual RRIF withdrawal percentages by age, projected income, and withholding tax on amounts above the minimum.

Find the split of eligible pension income (up to 50%) that minimizes a couple’s combined tax — verified 2026 federal + provincial brackets.

Guaranteed income for life vs flexibility and an estate — see how long a RRIF would last at the same income as an annuity quote.

See how much Old Age Security you keep at your income level, where the recovery tax kicks in, and how to stay under the threshold.

A fast top-line estimate of the nest egg you need to retire in Canada at your target spending — then dive into the full planner.

See the guaranteed monthly income a given amount could buy from a Canadian life annuity, and how age and rates change the payout.

Weigh taking the commuted (lump-sum) value of a defined-benefit pension against keeping the lifetime monthly payments.

Test how long your portfolio lasts at different withdrawal rates, with sequence-of-returns risk factored in.

Your FIRE number, the year you reach it at your current pace, and your Coast FIRE number — in today’s dollars, with honest real-return defaults.

The share of income you keep — and exactly how many working years it buys. The income-independent math behind FIRE, with the classic rate-to-years table.

The portfolio that funds retirement by your target age with zero further saving — your coast number, your gap to it, and when you’d cross it at your current pace.

Everything you own minus everything you owe, in Canadian categories — with the split most trackers skip: investable net worth vs the home equity that can’t pay your bills.

A quick score of how on-track you are to retire, based on savings, age, spending, and expected CPP/OAS.

See how monthly contributions, time, and rate compound. The simplest tool — and the most eye-opening.

See how much a fund’s MER quietly costs you over decades — and what a 1% lower fee adds back to your retirement.

Project annual dividend income and after-tax yield, including the Canadian eligible dividend tax credit by province.

Build a 1–5 year GIC ladder, see blended yield and maturity schedule, and compare reinvesting versus cashing out.

A suggested stock/bond mix for your age and risk tolerance, with the classic glide-path rules of thumb.

Project a portfolio from a lump sum plus monthly contributions, in real after-inflation dollars.

Compare investing all at once versus dollar-cost averaging a windfall in over time, across different markets.

Structure a bond or GIC ladder for steady income, with maturity timing and average yield.

See the trades needed to bring a drifted portfolio back to its target allocation, mindful of taxable accounts.

The fastest 2026 Canadian income tax calculator — federal + provincial brackets verified at the source for all 13 jurisdictions, with the BC hike and Alberta’s new 8% bracket built in.

For freelancers, contractors and sole proprietors: federal + provincial income tax plus both halves of CPP on your net business income, with the deductible half built in. All 13 jurisdictions, 2026.

Your cumulative lifetime TFSA limit by birth year, projected tax-free growth, and over-contribution warnings.

Estimate your immediate tax refund from an RRSP contribution by province, plus projected retirement value.

Which account leaves you with more after tax — driven by your marginal rate now versus in retirement, with verified 2026 brackets.

First Home Savings Account: contribution limits, tax savings, and when to use it versus your RRSP or TFSA.

Estimate the tax on a capital gain by province, using the 50% inclusion rate and your marginal bracket.

Project an RESP including the 20% Canada Education Savings Grant, with contribution timing to maximize the match.

Estimate Registered Disability Savings Plan growth including the Canada Disability Savings Grant and Bond.

How much house you can actually afford — CMHC’s 39/44 debt-service limits at the stress-test rate, with down-payment tiers, the insurance premium, and the $1.5M insured cap enforced.

The honest version of the argument — month-by-month net worth on both paths, unrecoverable costs on each side, and the appreciation rate your market needs for buying to win.

Is breaking your mortgage for a lower rate worth it? Penalty and fees against the savings, simulated to your renewal date — with the break-even month that decides it.

The compounding nobody draws for you — the balance racing your home’s value year by year at verified lender rates, the equity left at any horizon, and the year the guarantee kicks in.

Your real line-of-credit room under the 65%/80% federal caps, the payment the bank stress-tests you on (the full limit, not your draw), and what a decade of interest-only minimums actually costs.

Every province and the cities that double-dip — Toronto’s 2026 schedule, Montreal’s brackets, Halifax’s deed tax, the NS non-resident surcharge — with every real first-time rebate applied.

The ratio that decides everything — your LTV against the 65/80/95 thresholds, home equity, refinance room, and the insurance premium tier you’d land in.

What breaking your mortgage actually costs — three months’ interest vs the IRD, with the big-bank posted-minus-discount method that makes real penalties so much larger.

Your qualifying rate under OSFI’s rule — contract + 2% or the 5.25% floor — the payment you must prove vs the one you’d actually make, and the renewal exemption.

The most-argued question in Canadian money, settled honestly — a guaranteed return at your mortgage rate vs an expected return that isn’t, with the account-type breakeven that decides it.

Amortization, total interest, prepayment scenarios, and the federal mortgage stress test — all in real Canadian dollars.

Enter balances by institution and account type — see exactly what’s insured vs exposed across all 9 CDIC categories, with trade-name groupings and provincial guarantees built in.

Your target by income situation (3–9 months of essentials), progress bar, the monthly amount to close the gap — and the income-gap reframe for retirees.

I = P × r × t, with the compound result beside it — see exactly what leaving interest to earn interest is worth, and where simple interest shows up in Canada.

Break your GIC for today’s higher rates, or keep it? The break-vs-keep math in dollars, the interest you’d forfeit, and the break-even rate where switching starts to pay.

The exact monthly amount to hit any savings goal by your deadline — with today’s live HISA and GIC rates as the assumptions, and a flip mode for “when would I get there at my pace?”

Your true annual chequing cost by usage profile — monthly fees, excess debits, ATM and NSF charges across 10 banks, with senior pricing and the hidden cost of fee-waiver balances.

How much life insurance do you need? The DIME method — income replacement, mortgage, debts and education, minus what you already have.