All 60 calculators
Each calculator is listed as a question, with a real 2026 example beside it. Open one and put in your own numbers.
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
Pay and tax
- What do I actually take home?$5,307a month on $85,000 in Ontario
- What is $25 an hour as a salary?$52,000a year at 40 hours a week, before tax
- How much of my bonus do I keep?$6,894of a $10,000 bonus on an $80,000 salary
- Is $55 an hour better than $90,000 a year?$60 an houris what the contract must pay to match the salary
- What is my severance after tax?$28,000in hand from a $40,000 package
- Quel est mon salaire net au Québec ?3 777 $par mois sur 60 000 $ au Québec
- How much income tax do I owe?$15,551federal and Ontario tax on $85,000
- What refund does an RRSP contribution give me?$2,965back on $10,000 at an $85,000 salary
- What tax do I pay on a gain?$7,648on a $50,000 gain with an $85,000 salary
- How are my dividends taxed?$789of tax on $10,000 of eligible dividends at a $60,000 salary in Ontario
- Self-employed: how much do I set aside?27%of every invoice on $75,000 net
- What is my home office worth at tax time?$3,600deduction for a 150 sq ft office in a 1,500 sq ft home, self-employed
- Pay myself salary or dividends?Dividends by $9,902drawing $90,000 from $180,000 of profit
- Combien d’impôt vais-je payer au Québec ?10 074 $d’impôt fédéral et québécois sur 60 000 $
Home and mortgage
- What will my mortgage cost each month?$3,268a month on a $650,000 home with 10% down at 4.29%
- How much house can I afford?$671,800on $145,000 of household income with $60,000 down
- How much will my renewal hurt?+$454a month, renewing 1.89% → 4.09%
- How much down payment do I need?$40,000is the minimum on a $650,000 home
- What do I pay in land transfer tax?$25,066on an $800,000 Toronto home
- What is the property tax on my home?$5,371a year on a $700,000 assessment in Toronto
- How much HST comes back on a new build?$117,000back on a $900,000 new home in Ontario
- Should I rent or buy?Renting wins by $27,000after 10 years, $700,000 home vs $2,600 rent
- Does the Smith Manoeuvre pay off?+$98,000net worth after 20 years vs just paying a $400,000 mortgage
Saving and investing
- RRSP, TFSA or FHSA first?FHSAwins for $6,000 a year at a $90,000 salary
- How much TFSA room do I have?$109,000if you were born in 1990 and never contributed
- How much RRSP room do I have?$13,400left for 2026 after $6,000 contributed
- What does $200 a month become?$126,000in 20 years, starting with $10,000 at 6%
- GIC or savings account?$170more from a 1-year 3.6% GIC on $25,000
- What does an RESP become by 18?$83,000from $2,500 a year, newborn to 18
- Combien de droits CELI ai-je ?109 000 $si vous êtes né en 1990 et n’avez jamais cotisé
Retirement
- How much do I need to retire?$732,727in today's dollars to spend $50,000 a year from 65 to 95
- Take CPP at 60, 65 or 70?$640 vs $1,420a month for life, starting at 60 vs 70
- Will I lose my OAS?$1,452clawed back at $105,000 of income
- When should I start CPP and OAS?CPP at 70, OAS at 67earns the most after tax to age 90
- How much must I take from my RRIF?$21,600this year at 72 on $400,000 (5.40%)
- RRIF or TFSA first in retirement?$61,000more for your estate, right order vs wrong
- How much pension should we split?17%saves $2,246 a year, $100,000 vs $60,000 pensions in Ontario
- What tax do I pay on an RRSP withdrawal?$2,965of real tax on $10,000 at a $60,000 income in Ontario
Family and benefits
- How much EI would I get?$633a week for 24 weeks on $1,150 a week, 1,000 hours, 8.5% regional unemployment
- What will maternity and parental leave pay?$34,788in total on $1,150 a week: 15 maternity weeks plus 40 shared parental weeks
- What vacation and stat pay am I owed?$1,800a year at 4% on $45,000 in Ontario
- How much Canada Child Benefit will we get?$741a month, tax-free, two kids aged 4 and 8 on $85,000
- What is my student loan payment?$288.01a month on $20,000 federal and $10,000 Ontario over 9½ years
Borrowing and budgeting
- What will a car loan cost me?$426a month on $25,000 at 6.99% over 6 years
- When will my card be paid off?3 yearspaying $300 a month on $8,000 at 20.99%
- What will my car payment be?$527a month, $35,000 car in Ontario at 6.99% over 6 years
- Lease or buy a $40,000 car?Leasing by $2,109over 4 years in Ontario at 6.99%, 50% residual
- What is the sales tax where I am?$113for a $100 purchase in Ontario
- What is $100 from 2002 worth today?$164.20in 2025 dollars, by Statistics Canada's CPI
- Combien de taxes au Québec ?$115pour un achat de 100 $ au Québec (TPS + TVQ)
- Where should my money go each month?$2,107a month to put to work on $85,000 with $3,200 of bills
- What do I save a month for a $5,000 trip?$271a month reaches $5,000 in 18 months
- What does a dog really cost?$150 a monthfor food, supplies, two vet visits and prevention in Ontario, with HST
- What is my net worth, and is it normal for my age?$361,000for a 38-year-old with a $650,000 home and $420,000 mortgage
- Extra $500 a month: mortgage or TFSA?Investing by $39,000over 20 years at 4.09% vs 6%
Newcomers
- What is my Express Entry score?413of 1,200, single and 32 with a bachelor's
- What does moving to Canada cost?$35,822a family of four must have
- When can I apply for citizenship?936days of the 1,095 needed
- Can I sponsor my parents?$80,496income needed for a family of five in 2024
- Newcomer: what is my first tax return?$671refund after arriving in May on $45,000
Reference: 2026 tax brackets by province, what changed in 2026, and the changelog.