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MoneyMapCanada — Free Canadian Finance Tools

Calculator hub

Financial calculators for high-intent money questions.

Estimate payments, taxes, savings growth, debt payoff timelines, retirement contributions, and everyday budget pressure with practical visual outputs.

Loans

Loan Calculator Canada

Estimate monthly payment, total interest, and full amortization for any Canadian loan.

Loans

Loan Payment Calculator Canada

Estimate your monthly EMI for personal, car, or home loans in Canada.

Loans

Loan Comparison Calculator Canada

Compare a personal installment loan against a line of credit — total interest, monthly payment, and payoff timeline side by side.

Real Estate

Mortgage Calculator Canada

Calculate Canadian mortgage payments, total interest, and amortization schedule.

Investing

Compound Interest Calculator Canada

Project Canadian investment growth using A=P(1+r/n)^(nt) with monthly or annual compounding.

Investing

TFSA Calculator Canada 2026

Project TFSA growth, track $7,000 annual contribution room, and see tax-free balance over time.

Retirement

RRSP Calculator Canada 2026

Estimate RRSP growth, tax refund from contributions, and retirement savings gap.

Saving Money

Savings Calculator Canada

Plan monthly savings toward a future goal — with Canadian CDIC-insured account context.

Retirement

Retirement Calculator Canada 2026

Estimate Canadian retirement savings needs, monthly contribution gap, and CPP/OAS projections.

Taxes

Canadian Income Tax Calculator 2026

Estimate federal and provincial income tax, CPP, EI, and net take-home for any salary.

Taxes

GST/HST Calculator by Province 2026

Calculate GST, HST, PST, and before-tax price by Canadian province — updated for 2026 rates.

Retirement

CPP Calculator Canada 2026

Estimate Canada Pension Plan contributions and retirement benefit at age 60, 65, or 70.

Salary Guides

Salary Calculator Canada — Gross to Net

Convert gross salary into monthly take-home pay after Canadian tax, CPP, and EI.

Salary Guides

Salary After Tax by Province Canada 2026

Compare take-home pay across all 10 Canadian provinces on the same gross salary — side by side.

Planning

Inflation Impact Calculator Canada

Estimate how a user-entered inflation rate changes future costs and purchasing power over time.

Debt

Debt Payoff Calculator Canada

Estimate payoff time, total interest, and total repaid for one debt with exact final-payment handling.

Debt Management

Debt Snowball Calculator Canada

Build an interest-aware debt snowball across multiple balances, APRs, and a shared monthly payoff budget.

Credit Cards

Credit Card Payoff Calculator Canada

Estimate payoff date and interest cost on any Canadian credit card balance at 20.99% APR.

Budgeting

Net Worth Calculator Canada

Add Canadian assets and debts to get your full financial position — home, TFSA, RRSP, loans.

Budgeting

Emergency Fund Calculator Canada

Calculate a 3–6 month Canadian emergency fund based on rent, food, utilities, and debt payments.

Budgeting

Cost of Living Budget Calculator Canada

Build a monthly budget from the actual housing, food, transportation, utilities, and other costs you enter.

Real Estate

Rent vs Buy Calculator Canada 2026

Compare monthly rent with mortgage and owner carrying costs. Designed for monthly affordability, not a full equity model.

Real Estate

Mortgage Affordability Calculator Canada 2026

Estimate home affordability using 39% GDS, 44% TDS, property costs, and the federal stress-test qualifying rate.

Loans

Car Loan Calculator Canada

Estimate auto loan payments, total interest, and full payoff schedule for any Canadian car loan.

Student Finance

Student Loan Calculator Canada — OSAP & Federal

Estimate Canadian student-loan payments with an editable interest rate, including a 0% federal-loan scenario.

Banking

CAD Currency Conversion Planner

Enter the exchange rate and transfer fee yourself to estimate converted funds. This tool does not provide live FX quotes.

Investing

Investment Calculator Canada 2026

Project TFSA or RRSP portfolio growth with monthly contributions, return rate, and time horizon.

Investing

Investment Return Calculator Canada

Compare Canadian investment scenarios by contribution, return rate, and time horizon.

Financial Freedom

FIRE Calculator Canada — Financial Independence Number

Estimate your FIRE number from annual spending and a withdrawal rate, then project a timeline to financial independence.

Taxes

Canada Groceries & Essentials Benefit Calculator 2026

Estimate the July 2026 to June 2027 benefit using 2025 adjusted family net income and family size.

Taxes

Self-Employed Tax Calculator Canada 2026

Estimate net income after federal tax, provincial tax, and self-employed CPP contributions — with HST threshold and quarterly installment guidance.