Free tools

Financial calculators

Run the numbers behind common Canadian money decisions. Every calculator is free to use and explains the assumptions behind its estimate.

Mortgage Affordability Calculator Estimate the home price and mortgage you may qualify for from your income, debts, down payment, and interest rate. Mortgage Renewal Calculator Compare your current mortgage payment with a renewal offer and see the effect of changing your amortization. RRSP Tax Refund Calculator Estimate how an RRSP contribution changes your federal and provincial income tax and compare it with a TFSA. Overcontribution Penalty Calculator Estimate the 1% monthly tax on excess TFSA, RRSP, or FHSA contributions. ETF Fee Difference Calculator See how a difference in management expense ratios can affect a portfolio over time. Brokerage Currency Cost Calculator Compare the currency-conversion and USD-account costs of buying U.S. securities at two brokerages. Mortgage Payment Calculator Estimate your monthly mortgage payment, total interest, and the full cost of a home loan. Budget Calculator Track income, expenses, and savings in one interactive monthly budget. Retirement Calculator Project your retirement savings from your contributions, time horizon, and expected returns. E-commerce Profit Calculator Estimate profit margins, pricing, and costs for an online store before you launch.

These calculators provide educational estimates, not personalized financial, tax, or lending advice. Check the source notes on each tool before making a decision.