Canadian financial calculators

Browse free Canadian calculators for taxes, benefits, mortgages, savings, retirement, and everyday money decisions, organized by task.

Canadian financial calculators

Browse free Canadian calculators for taxes, benefits, mortgages, savings, retirement, and everyday money decisions, organized by task.

Free Canadian calculators and plain-English guides for taxes, benefits, housing, retirement, credit, investing, and newcomer money tasks.

Independent publisher based in Winnipeg. Educational information only, not financial, tax, legal, investment, or immigration advice.

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(c) 2026 LoonieLabs. Built in Winnipeg, Canada.

Calculators are estimates. Verify important decisions with official sources or a qualified professional.

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62 calculators

2026 updated

All 13 provinces

Canadian Financial Calculators (2026)

Every free calculator on LoonieLabs in one place — 62 tools covering Canadian tax, mortgage, retirement, investing, debt, and paycheck math. All use the 2026 CRA brackets, federal and provincial credit amounts, CMHC mortgage rules, and current contribution limits ($7,000 TFSA, $32,490 RRSP, $8,000 FHSA).

Calculations run entirely in your browser — no signup, no data stored. Each calculator is built to give you a usable answer in under 30 seconds, with the formula and source visible in a methodology box at the bottom of every page.

Six pillars

Browse by category

Tax calculators

Income tax, marginal rate, capital gains, GST/HST.

Mortgage calculators

Payment, amortization, rent-vs-buy.

Retirement calculators

RRSP, TFSA, FHSA, CPP, RRIF.

Investing calculators

Compound interest, GICs, HISAs, FX.

Debt calculators

Loan payments, credit cards.

Paycheck calculators

Take-home pay, holidays, family benefits.

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Most searched this week

Income Tax Calculator

Federal + provincial income tax for 2026 — all 13 provinces.

Mortgage Calculator

Monthly payment, amortization, CMHC insurance — Canada 2026.

Mortgage Affordability Calculator

Max home price using GDS/TDS ratios + OSFI stress test.

RRSP Calculator

Tax refund from RRSP contributions — every province, 2026.

Credit Score Hub

Ranges, free checks, by-bank thresholds, how to improve.

Take-Home Pay Calculator

Bi-weekly, semi-monthly, weekly net pay — federal + provincial + CPP + EI for 2026.

Hourly to Salary Converter

Hourly wage to annual salary (or back) including overtime.

Self-Employed Tax Calculator

Side hustle, freelance, gig — full T2125 + 11.9% CPP for 2026.

Budget Calculator

50/30/20 monthly planner with surplus/deficit alerts and city overlay.

Rent Affordability Calculator

How much rent can I afford? 30% gross-income rule + 25-city overlay.

Savings Goal Calculator

How long to save $X — forward and reverse modes, TFSA/FHSA-aware.

Car Affordability Calculator

How much car can I afford? 15%-of-net rule + per-province insurance.

Credit Card Payoff Calculator

Months to debt-free, total interest, and how much faster with extra payments.

All 13 provinces

Income tax by province (2026)

Jump to your province for full 2026 federal + provincial brackets.

Alberta BC Manitoba New Brunswick Newfoundland Nova Scotia Ontario PEI Quebec Saskatchewan NWT Nunavut Yukon

The full toolkit

All calculators (A–Z)

3-Paycheque Month Finder

Which 2026/2027 months give you an extra biweekly cheque.

Age Calculator

Your exact age in years, months, weeks, and days.

Budget Calculator

50/30/20 monthly planner with surplus/deficit alerts and city overlay.

Canada vs USA Tax Calculator

Federal tax + payroll deductions side-by-side — 2026 brackets, CAD vs USD.

Capital Gains Calculator

2026 inclusion rate — 50% under $250K, 66.67% above.

Car Affordability Calculator

How much car can I afford? 15%-of-net rule + per-province insurance.

CCB Calculator

Canada Child Benefit monthly estimate by income + kids.

CGEB Calculator

New Canada Groceries & Essentials Benefit (July 2026).

Childcare Cost Calculator

$10/day CWELCC rates by province + CCB offset for 2026.

Closing Costs Calculator

All-in cash to close: LTT, legal, title, CMHC PST + moving (every province).

Compound Interest Calculator

Project long-term investment growth with monthly contributions.

Cost of Living Calculator

Pick a city + household — see real monthly cost (rent, food, transit, childcare).

CPP Calculator

Estimate your CPP pension at 60, 65, and 70.

Credit Card Comparison

Best Canadian credit card ranked by your real monthly spend.

Credit Card Payoff Calculator

Months to debt-free, total interest, and how much faster with extra payments.

Credit Score Calculator

Estimate your Equifax/TransUnion score from FICO factor weights.

Credit Score Hub

Ranges, free checks, by-bank thresholds, how to improve.

Crypto ACB Calculator

Weighted-average adjusted cost base across every exchange and wallet.

Crypto Tax Calculator

Bitcoin, Ethereum & altcoins — 50% / 66.67% inclusion + ACB tracking for 2026.

Currency Converter

Live CAD ↔ USD, EUR, GBP, INR + 30 more (mid-market).

EI Benefits Calculator

Weekly amount (55% capped at $694) + weeks of eligibility by regional rate.

FHSA Contribution Room Calculator

$8K/yr + $8K carry-forward, $40K lifetime — your 2026 room.

FHSA vs RRSP vs TFSA

Compare all three registered accounts side-by-side.

GIC Rates

Best 1, 3, 5-year GIC rates in Canada this week.

GST/HST Calculator

Add or remove Canadian sales tax — every province rate.

GST/HST Credit Estimator

Quarterly CRA credit by income, marital status, kids.

HISA Rates

Top high-interest savings account rates — Canada, weekly.

Home Office Deduction Calculator

Detailed method only — flat $2/day is gone for 2026.

Hourly to Salary Converter

Hourly wage to annual salary (or back) including overtime.

Income Tax Calculator

Federal + provincial income tax for 2026 — all 13 provinces.

Inflation Calculator (Canada)

$100 in any year vs today — Statistics Canada CPI 1914–2026.

Land Transfer Tax Calculator

Provincial + Toronto/Montreal LTT plus first-time buyer rebates.

Late Filing Penalty Calculator

CRA 5% + 1%/month penalty + ~8% interest — what late filing actually costs.

Living Wage Calculator

Hourly wage you actually need to clear monthly bills in 25 Canadian cities.

Loan Calculator

Monthly payment + interest for any Canadian loan or LOC.

Marginal Tax Calculator

Your true marginal tax rate by income and province (2026).

Maternity & Parental Leave Calculator

Standard 55% over 35 wks vs extended 33% over 61 wks. EI + Quebec QPIP.

Mortgage Affordability Calculator

Max home price using GDS/TDS ratios + OSFI stress test.

Mortgage Calculator

Monthly payment, amortization, CMHC insurance — Canada 2026.

Net Worth Calculator

Assets minus liabilities — Canadian-specific buckets.

OAS Clawback 2026

Recovery tax on Old Age Security — threshold $93,454 for July 2026 → June 2027.

Pay Date Calculator

Full payday schedule 2025–2027 with stat-holiday adjustments by province.

Payroll Calendar 2026–2027

Pay periods by frequency, 27-paycheque years, frequency comparison.

Province Tax Comparison

Side-by-side income tax + cost of living, all provinces.

Rent Affordability Calculator

How much rent can I afford? 30% gross-income rule + 25-city overlay.

Rent vs Buy Calculator

True 5-yr cost: own vs rent + invest the difference.

RESP Calculator

CESG match + provincial grants — project balance to age 18.

RRIF Calculator

CRA minimum withdrawal by age and account balance.

RRSP Calculator

Tax refund from RRSP contributions — every province, 2026.

Savings Goal Calculator

How long to save $X — forward and reverse modes, TFSA/FHSA-aware.

Self-Employed CPP Calculator

11.9% on net business income — both employer + employee share.

Self-Employed Tax Calculator

Side hustle, freelance, gig — full T2125 + 11.9% CPP for 2026.

Severance Pay Calculator

ESA statutory minimum + Bardal common-law range — every province, 2026.

Stat Holiday Calendar

Every 2026 stat holiday by province + federal day.

Stat Pay Calculator

Statutory holiday pay by province for 2026 (all 13 rules).

Take-Home Pay Calculator

Bi-weekly, semi-monthly, weekly net pay — federal + provincial + CPP + EI for 2026.

Tax Refund Tracker

CRA refund processing times for 2026 returns.

TFSA Calculator

Project tax-free growth — 2026 limit $7,000, room $102K.

TFSA Room (2026)

Cumulative TFSA room by birth year — $102,000 max.

Tip Calculator

Split a restaurant bill with custom tip percentage.

Wealthsimple Fee Calculator

FX margin + Premium subscription — see when upgrading actually pays off.

Wise Fee Calculator

Exact Wise transfer cost from Canada vs typical bank wire (~2.5% markup).

Methodology & data sources

Every calculator's source is documented in its methodology box. The primary government references we use across the toolkit:

Canada Revenue Agency (CRA) — federal brackets, basic personal amount, contribution limits, benefits.
CMHC — mortgage insurance rules, qualifying rate, premium schedule.
Statistics Canada — CPI, average earnings, regional cost-of-living figures.
OSFI — federally regulated lender stress test (B-20).
Provincial Ministry of Finance pages for each province's tax tables.

FAQ

Common questions

Last reviewed: April 2026