All 34 calculators

Each one is a question with a real 2026 example beside it. Open any of them and change the numbers to yours.

Search: take-home pay, mortgage, RRSP, CPP… ⌘K

Most used

• Mortgage payment$3,268 a month on a $650,000 home with 10% down at 4.29%
• Take-home pay$5,307 a month on $85,000 in Ontario
• Sales tax$113 for a $100 purchase in Ontario
• Car loan$527 a month, $35,000 car in Ontario at 6.99% over 6 years
• Compound interest$126,000 in 20 years, starting with $10,000 at 6%
• Income tax estimator$15,551 federal and Ontario tax on $85,000

Your pay and tax

• What do I actually take home?See your 2026 after-tax pay in every province and territory, with federal and provincial tax, CPP/QPP, EI and QPIP broken out per paycheque.
  $5,307a month on $85,000 in Ontario
• How much income tax do I owe?Estimate your 2026 federal and provincial income tax, your refund or balance owing, and your marginal and average rates, with RRSP and FHSA deductions.
  $15,551federal and Ontario tax on $85,000
• What refund does an RRSP contribution give me?See exactly how much tax an RRSP contribution saves you in 2026 based on your income and province, plus the real after-refund cost of contributing.
  $2,965back on $10,000 at an $85,000 salary

Buying or owning a home

• What will my mortgage cost, and can I afford it?Calculate your Canadian mortgage payment with semi-annual compounding, any payment frequency, CMHC insurance and a full amortization schedule.
  $3,268a month on a $650,000 home with 10% down at 4.29%
• How much will my renewal hurt?See your balance at renewal and how much your payment changes at a new rate, the extra interest over the next term, and what extending the amortization would do.
  +$454a month, renewing 1.89% → 4.09%
• Should I rent or buy?Compare your net worth after renting and investing versus buying, year by year, with CMHC insurance, land transfer tax, property tax, maintenance and selling costs.
  Renting wins by $27,000after 10 years, $700,000 home vs $2,600 rent
• How much HST comes back on a new build?See the GST or HST on a newly built home and every rebate that cuts it: the first-time buyer rebate up to $50,000, Ontario's rebates up to $130,000, Nova Scotia and Quebec.
  $117,000back on a $900,000 new home in Ontario
• What do I pay in land transfer tax?Calculate land transfer tax and registration fees for any province, including Toronto's municipal tax, Montreal and Quebec City rates, and every first-time buyer rebate for 2026.
  $25,066on an $800,000 Toronto home
• Extra $500 a month: mortgage or TFSA?Compare extra mortgage payments against investing the same money in a TFSA, RRSP or taxable account over your horizon, with the break-even return.
  Investing by $39,000over 20 years at 4.09% vs 6%

Everyday money

• How much Canada Child Benefit will we get?Estimate your monthly CCB for July 2026 to June 2027 from your family income and children's ages, including the child disability benefit and shared custody.
  $741a month, tax-free, two kids aged 4 and 8 on $85,000
• What will my car payment be?Monthly, bi-weekly or weekly car payment with sales tax for your province, trade-in, down payment and fees, total interest by term, and promo rate versus cash rebate.
  $527a month, $35,000 car in Ontario at 6.99% over 6 years
• What is the sales tax where I am?Add or remove GST, HST, PST, RST and QST for any province or territory at the 2026 rates, with the tax-included and tax-excluded amounts.
  $113for a $100 purchase in Ontario
• What does $200 a month become?See what a starting amount plus monthly savings grows to at any return, with the effective rate, doubling time, a year-by-year table and what each input changes.
  $126,000in 20 years, starting with $10,000 at 6%
• When will my card be paid off?How long it takes to pay off a credit card balance at a fixed monthly payment versus minimum payments only, and what the interest costs.
  3 yearspaying $300 a month on $8,000 at 20.99%
• What will a car loan cost me?Monthly payment and total interest on a car or personal loan at any rate and term, with a side-by-side table of 24 to 84 month terms.
  $426a month on $25,000 at 6.99% over 6 years
• GIC or savings account?Compare the after-tax value of a GIC and a high-interest savings account at your marginal rate, in a taxable account or a TFSA, with the break-even savings rate.
  $170more from a 1-year 3.6% GIC on $25,000
• How much TFSA room do I have?Work out your total TFSA contribution room for 2026 from your birth year, when you became a resident, and what you have contributed and withdrawn.
  $109,000if you were born in 1990 and never contributed
• What does an RESP become by 18?Project an RESP to age 18 with the 20% Canada Education Savings Grant, catch-up room, the additional grant and Canada Learning Bond for lower incomes, and Quebec and BC grants.
  $83,000from $2,500 a year, newborn to 18
• What tax do I pay on a gain?Tax on selling a cottage, rental, stocks or a business: the 50% inclusion rate at your marginal rate, the principal residence exemption formula and the lifetime capital gains exemption.
  $7,648on a $50,000 gain with an $85,000 salary
• Combien de taxes au Québec ?Calculez la TPS, la TVQ, la TVH et la TVP sur un prix, ou retirez les taxes d’un montant total, pour le Québec et chaque province, aux taux de 2026.
  $115pour un achat de 100 $ au Québec (TPS + TVQ)

Planning and saving

• Where should my money go each month?Enter what you earn, what you spend and what you are saving for. Get a monthly plan: emergency fund, debts, and each goal in the right account, with growth charts and calculated tips.
  $2,107a month to put to work on $85,000 with $3,200 of bills
• RRSP, TFSA or FHSA first?Compare the after-tax value of the same contribution in an RRSP, TFSA or FHSA using your real 2026 marginal tax rate and your expected rate in retirement.
  FHSAwins for $6,000 a year at a $90,000 salary

Retirement and pensions

• Take CPP at 60, 65 or 70?Compare taking CPP at 60, 65, 70 or any age in between: monthly amount, lifetime total to your life expectancy, and the break-even ages, in today's dollars.
  $640 vs $1,420a month for life, starting at 60 vs 70
• Will I lose my OAS?See how much Old Age Security you lose to the recovery tax at your income, for the current payment period and the next one, with deferral and the 75+ increase.
  $1,452clawed back at $105,000 of income
• When should I start CPP and OAS?Find the CPP and OAS start ages that give you the most after-tax income for life, including the OAS clawback and your other retirement income.
  CPP at 70, OAS at 67earns the most after tax to age 90
• RRIF or TFSA first in retirement?Simulate drawing your retirement savings RRIF-first, TFSA-first or blended, with RRIF minimums, income tax and the OAS clawback, to see which leaves the biggest estate.
  $60,000more for your estate, right order vs wrong
• How much must I take from my RRIF?Your required RRIF withdrawal for 2026 from your balance and age (or a younger spouse's), the tax withheld on extra amounts, and a year-by-year projection.
  $21,600this year at 72 on $400,000 (5.40%)

Work and business

• Self-employed: how much do I set aside?Estimate income tax and both halves of CPP on your 2026 net business income in any province, with instalment and GST/HST registration flags.
  27%of every invoice on $75,000 net
• What is my severance after tax?Tax withheld and actually owed on a severance package or retiring allowance, the amount you can roll into an RRSP without room, and what you take home.
  $28,000in hand from a $40,000 package
• How much of my bonus do I keep?How much of a bonus or commission you keep after tax, CPP and EI, and why the deduction on your bonus cheque looks so high.
  $6,894of a $10,000 bonus on an $80,000 salary
• What vacation and stat pay am I owed?Minimum vacation pay (4%, 6% or 8%) and statutory holiday pay under each province's, territory's and the federal employment standards rules.
  $1,800a year at 4% on $45,000 in Ontario
• Newcomer: what is my first tax return?Tax for your first part-year in Canada with prorated credits, plus your TFSA, RRSP and FHSA room as a new resident.
  $671refund after arriving in May on $45,000
• Is $55 an hour better than $90,000 a year?Compare a contract rate with a full-time salary after tax, CPP, benefits, employer match and unpaid time off, and find the hourly rate that truly matches.
  $60 an houris what the contract must pay to match the salary
• Pay myself salary or dividends?Compare paying yourself salary or non-eligible dividends from your corporation: corporate tax, personal tax, CPP, net cash and RRSP room, by province.
  Dividends by $7,383drawing $90,000 from $180,000 of profit

Reference: 2026 tax brackets by province, what changed in 2026, and the changelog.