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

Canadian Inflation Calculator

Measure how inflation changes Canadian purchasing power using Bank of Canada CPI data.

Debt

Debt Payoff Calculator Canada

Compare snowball vs avalanche payoff timelines and total interest saved on any Canadian debt.

Debt Management

Debt Snowball Calculator Canada

Build a debt snowball plan across multiple Canadian balances — see payoff order and timeline.

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 Calculator Canada — by City

Estimate monthly living costs in Toronto, Vancouver, Calgary, Ottawa, and Halifax — compared.

Real Estate

Rent vs Buy Calculator Canada 2026

Compare total monthly costs, equity built, and break-even year for renting vs buying in Canada.

Real Estate

Mortgage Affordability Calculator Canada 2026

Estimate your maximum home price from income, debts, down payment, and the 5.25% stress test.

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 monthly payment, payoff timeline, and total interest on OSAP or Canadian student debt.

Banking

Currency Converter CAD — Live Rate Estimate

Convert CAD to USD, EUR, GBP, and 30+ currencies — useful for travel, transfers, and purchases.

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 Canadian FIRE number, savings rate needed, and years to retire early.

Taxes

GST/HST Credit Calculator Canada 2026

Estimate your quarterly CRA GST/HST credit benefit based on income, family status, and number of children.

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.