Canadian personal finance — done simply
Free, accurate calculators for mortgages, income tax, TFSA/RRSP, investments and retirement. Every tool uses the latest 2024 Canadian rates and runs entirely in your browser — your numbers never leave your device.
Mortgage & home affordability
Canadian mortgage math with CMHC insurance, GDS/TDS qualification and the federal stress test.
Income tax & take-home pay
2024 federal + provincial brackets, CPP, EI and tax-refund estimator for every province.
TFSA, RRSP & investments
Compound your TFSA and RRSP correctly, model long-term investment growth and dividend income.
Loans, currency & retirement
Loan and debt payoff planning, currency conversion, and retirement projections (CPP, OAS, CCB).
Built for Canada
Federal + provincial brackets for all 10 provinces, CMHC rules, and 2024 CPP/EI thresholds.
Privacy first
All calculations run client-side. We never see your income, mortgage or savings.
Free, no signup
No accounts, no email walls, no upsells on core tools.