37 free Canadian financial calculators (2026)

2026 annual limit and a balance projection; personal contribution room requires your full records.

Starting balance, periodic contributions, compounding frequency and inflation, with a chart.

Estimated tax when you sell stocks or ETFs: 50% inclusion rate, marginal rate, after-tax amount.

Your gross minus federal and provincial tax, CPP/QPP, EI and QPIP, by province.

Compare the tax on interest income, eligible Canadian dividends and capital gains.

Compare the net after-tax value of both accounts, based on your marginal rate.

The tax savings from your contribution, available room and a retirement projection.

The 4% rule, expenses and monthly savings to estimate your early-retirement age.

Compare the total you collect starting at 60, 65 or 70, and find your break-even age.

CRA withdrawal factor by age, required amount, and a depletion projection for your RRIF.

Project your nest egg at retirement, then the drawdown: at what age your savings run out.

Have you already invested enough to reach freedom without contributing more?

The 25x rule, a 1000-scenario Monte Carlo simulation and RRSP vs TFSA optimization.

What order to draw from your RRSP/RRIF, TFSA and non-registered accounts to cut tax.

Split your portfolio into short, mid and long-term buckets to draw down calmly.

How much the S&P 500 returned since 2000, 2010 or 2020 — with every crash and recovery.

S&P/TSX Composite return by period since 2000, annual ups and downs, and crashes.

Nasdaq Composite return since 2000 — dot-com, 2008, 2022 — total and annualized.

The real impact of MER over 25 years: compare a 2% fund with a 0.20% ETF.

Compare your broker's USD/CAD conversion cost with the Gambit and find your break-even.

Project your First Home Savings Account value over 5 to 15 years. $8,000/yr, $40,000 lifetime.

Monthly payment, total interest and a year-by-year amortization table.

Compare the real cost over 5-25 years of buying vs renting and investing the difference.

Combine the Home Buyers' Plan, FHSA and TFSA to maximize your down payment.

Compare buying a rental multiplex vs a single-family house as an investment.

Estimate your CESG grants (20%, up to $7,200) and your child's education savings at 18.

At death, your non-registered and RRSP/RRIF accounts face deemed disposition — estimate the bill.

How much you get from the Canada Child Benefit + Quebec Family Allowance + QPIP.

For corporation owners: compare salary and dividends using 2026 rates.

Which account to fill with your next dollar — TFSA, RRSP, FHSA or non-registered.

Visualize Quebec's tax traps where your real marginal rate can exceed 60-70%.

Borrowing against home equity to invest: the outcome depending on returns and cost.

Simulate progressively converting non-deductible mortgage debt into investment debt.

What your money will be worth in X years: purchasing-power loss and an erosion chart.

How much to save each month to hit a target amount, based on your horizon.

Add up your assets, subtract your debts and see your net worth with a chart.

Snowball vs avalanche: how many months until debt-free and interest saved.