Free personal finance calculators
Mortgage, loans, savings, emergency fund, 50/30/20 budget and more. Free, no sign-up.
-
How much will I have at the end of the month?
Your balance today, plus the income still to come, minus the bills still to pay: what you will have left.
-
Canada Take-Home Pay Calculator 2026
Work out your 2026 take-home pay in any province or territory after federal and provincial tax, CPP or QPP, EI and QPIP.
-
RRSP vs TFSA Calculator
Compare what an RRSP and a TFSA leave you after tax, from your marginal tax rate now and when you withdraw. 2026 limits included.
-
CPP Start Age Calculator: 60, 65 or 70
Compare your CPP pension starting anywhere from 60 to 70: 0.6 % less per month before 65, 0.7 % more after, and the break-even age.
-
Mortgage Stress Test Calculator (Canada)
Check if you pass the mortgage stress test: qualifying rate of contract + 2 % or 5.25 %, with GDS 39 % and TDS 44 % limits.
-
CMHC Insurance Calculator 2026
Work out your CMHC mortgage insurance premium by down payment, the 30-year surcharge, the minimum down payment and the sales tax in ON, QC and SK.
-
Mortgage calculator
Work out your monthly mortgage payment, the total interest and how the balance falls year by year.
-
Rent or buy calculator
Compare renting and buying a home over the years: mortgage, owner costs, price growth and what the money would earn invested.
-
FIRE calculator: when can I be financially independent?
How much you need to live off your savings, and how many years of saving it takes, with the 4 % rule.
-
Inflation calculator: what will your money be worth?
How much prices grow and how much purchasing power money loses over the years at a given inflation rate.
-
Car lease calculator
Monthly lease payment from price, down payment, residual value, rate and term, and what the lease costs in total.
-
Lease or loan: which is cheaper?
Compare leasing a car and buying it with a loan: monthly payments and the total cost of owning it at the end.
-
Net worth calculator
Add up what you own and what you owe: your net worth, with and without pension savings.
-
Electricity cost calculator
What a fridge, a heater or a computer costs you in electricity per year and per month, standby included.
-
Debt avalanche vs snowball calculator
Pay off several debts: compare the highest-interest-first and the smallest-balance-first methods, in months and interest.
-
Percentage calculator
Percent of an amount, adding or taking off a percentage, and the percent change between two amounts.
-
Discount calculator
The final price after a discount, or two discounts in a row, and how much you really save.
-
Interest calculator (to the day)
Interest earned or paid on an amount for a number of days, at a yearly rate.
-
Real interest rate calculator
What your savings really earn after inflation and tax, and what they will be worth in today's money.
-
When will I be a millionaire?
How many years of saving and investing it takes to reach a million, or any target you choose.
-
ETF savings plan calculator (with fees)
What a monthly ETF or fund savings plan grows to, and how much the fund costs and purchase fees take away.
-
Investment return calculator (annualised)
The total and yearly return of an investment from what you put in, what it is worth and what it paid out.
-
Loan refinance calculator: is switching worth it?
Compare your current loan with a cheaper one: new payment, total saving after fees and when the switch pays off.
-
Remaining loan balance calculator
How much you still owe on a loan after a number of payments, and how much of what you paid was interest.
-
Phone on contract or SIM only?
Is the phone in your contract really cheap? Compare the contract with buying the phone and a SIM-only plan.
-
Average cost calculator (buying more)
Your new average purchase price after buying more shares at today's price, and the price you need to break even.
-
NPV and IRR calculator
Is an investment worth it? Net present value and internal rate of return of what it costs today and brings each year.
-
Perpetuity calculator: an income forever
How much capital pays you a monthly income forever, without ever spending the capital, and what your savings would pay.
-
Retirement savings calculator
What your pension will not cover, the capital that closes the gap and how much to save each month until you retire.
-
Withdrawal plan calculator
How long your savings last if you take a fixed amount every month, and how much you can take to make them last.
-
Loan calculator
Monthly payment, total interest and total cost of a personal or car loan.
-
Savings goal calculator
How much do you need to save each month to reach a goal by a date? Find out in seconds.
-
Emergency fund calculator
How big should your emergency fund be, and how long will it take you to build it?
-
50/30/20 budget calculator
Split your take-home pay into needs, wants and savings with the 50/30/20 rule.
-
Compound interest calculator
See how savings grow with compound interest and monthly contributions over the years.
-
Debt payoff calculator
How long will it take to pay off a credit card or loan, and how much interest will you pay?
-
How much do your subscriptions cost a year?
Add up streaming, apps, gym and other subscriptions to see their real yearly cost.
-
Nominal to effective interest rate calculator
Convert a nominal annual rate into the effective annual rate, depending on how often interest is charged.
-
Bill split calculator
Split a bill between friends or flatmates, with tip, in one go.