Financial calculators
Calculators
Browse more than 100 Canadian financial calculators covering tax, retirement, investing, housing, debt, cash flow, insurance and other financial planning topics.
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Cash Flow
42 calculators shown
- Activity Ratios Calculator Estimate turnover and operating-efficiency ratios from entered statement amounts.
- After-Tax Return Calculator Estimate simplified after-tax investment growth from a pre-tax return and tax-rate assumption.
- Asset Mix Calculator Calculate a weighted portfolio return from asset-class weights and return assumptions.
- Break-Even Calculator Estimate break-even units and sales from fixed cost, price, and variable cost assumptions.
- Budget Planner Calculator Estimate monthly cash flow, savings rate, debt ratio, housing ratio, and surplus or deficit.
- Cash Buffer Calculator Estimate a short-term cash reserve target and gap from essential spending, current cash, and monthly additions.
- Cash Conversion Cycle Calculator Estimate DIO, DSO, DPO, and the simplified cash conversion cycle.
- Cash Flow Calculator Estimate a monthly cash-flow surplus or deficit from income and expense inputs.
- Cash Flow Quality Calculator Estimate operating cash-flow quality, free cash flow, and cash-flow coverage measures.
- Closing Costs Calculator Estimate home purchase closing costs before finalizing a purchase budget.
- Common-Size Income Calculator Convert income statement lines into percentages of revenue.
- Contribution Timing Impact Calculator Compare future value when recurring contributions are made at the beginning or end of each period.
- Debt Order Calculator Compare snowball and avalanche payoff order for non-mortgage debts.
- Debt Payoff Planner Compare debt payoff schedules using snowball or avalanche ordering and an entered monthly payment.
- Disposable Income Calculator Estimate annual, monthly, and per-pay disposable income after simplified tax and payroll deductions.
- Distribution Timing Impact Calculator Compare the present value needed when recurring withdrawals are paid at the beginning or end of each period.
- Education Cost Calculator Estimate future education costs from today's annual cost, education-cost inflation, study length, and start timing.
- Effective Annual Rate Calculator Convert a nominal annual rate into an effective annual rate using the selected compounding frequency.
- Emergency Fund Calculator Estimate an emergency fund target, current progress, and the saving needed to reach selected months of expense coverage.
- Emergency Runway Calculator Estimate how long liquid cash could cover a monthly shortfall during reduced or interrupted income.
- Estate Liquidity Calculator Estimate whether estate liquid assets may cover taxes, costs, debts, and planned distributions.
- Financial Goal Calculator Estimate the regular saving amount needed to reach a defined future amount by a selected date.
- Home Affordability Calculator Estimate the maximum home purchase price supported by household and mortgage assumptions.
- Home Purchase Planner Plan a future home purchase across savings, cash needed, mortgage payment, and affordability ratios.
- House Down Payment Goal Calculator Estimate a future down payment target for a home price that may rise before purchase.
- Income Replacement Calculator Estimate an income replacement gap and a simplified capital amount that could support it.
- Inflation Impact Calculator Estimate how inflation may change a current expense or planning amount over time.
- Lifetime Giving Calculator Estimate a recurring gift stream and compare total gifts with an entered lifetime giving target.
- Line of Credit Payoff Calculator Estimate payoff time, interest cost, and target payment for a line of credit.
- Liquidity Ratios Calculator Estimate current ratio, quick ratio, cash ratio, and working capital.
- Living Expense Calculator Estimate monthly and annual living expenses by category.
- Loan Refinance Calculator Estimate payment and total-cost differences between a current loan and a refinancing option.
- Major Purchase Goal Calculator Estimate how much may be available for a planned purchase, any remaining shortfall, and the saving amount needed by the selected date.
- Payback Period Calculator Estimate the time required for level cash flows to recover an upfront amount.
- Payment Pressure Calculator Estimate monthly housing cost and a simplified payment-pressure measure.
- Profitability Ratios Calculator Estimate margin, return on assets, and return on equity ratios.
- Rebalance Tax Calculator Estimate simplified tax cost from rebalancing a taxable account.
- RRSP Gross-Up Calculator Estimate a gross RRSP contribution from a net out-of-pocket amount and a tax-rate assumption.
- Savings Goal Calculator Estimate the recurring contribution needed to reach a future savings target.
- Savings Rate Calculator Estimate a savings rate from income, expenses, and monthly saving inputs.
- Tax Change Calculator Estimate the impact of a simplified tax-rate change.
- TFSA Room Calculator Estimate available TFSA room using editable contribution room and annual-limit assumptions.
Liabilities
17 calculators shown
- Borrow to Invest Calculator Estimate a simplified after-tax spread when borrowed money is invested and interest is assumed deductible.
- Coverage Ratios Calculator Estimate interest, fixed-charge, and debt-service coverage ratios.
- Credit Card Payment Calculator Estimate credit-card payoff time, interest cost, and the payment needed for a target payoff date.
- Debt Consolidation Calculator Compare multiple current debts with one proposed consolidation loan, including payment, interest, total cost, term, and fees.
- Debt Freedom Calculator Estimate whether a non-mortgage debt payment plan can clear a balance by a target period, and how extra payments affect time and interest.
- Debt-to-Income Calculator Estimate a household debt-to-disposable-income ratio with Statistics Canada household-sector context.
- Invest or Pay Down Mortgage? Compare investing available cash with using the same cash to reduce a personal mortgage.
- Leverage Ratios Calculator Estimate debt, equity, and leverage measures from balance sheet amounts.
- Loan Payment Calculator Estimate a loan payment using balance, rate, term, and payment-frequency assumptions.
- Mortgage Amortization Calculator Illustrate how a mortgage payment may be split between principal and interest over time.
- Mortgage Extra Payment Calculator Estimate how repeated extra payments and annual lump sums may change mortgage payoff time and interest.
- Mortgage Freedom Calculator Estimate the payment needed to pay off a mortgage by a target date.
- Mortgage Payment Calculator Estimate a Canadian-style mortgage payment using nominal annual interest compounded semi-annually.
- Mortgage Payment Frequency Savings Calculator Compare estimated mortgage interest under monthly, twice-monthly, biweekly, and weekly payments.
- Mortgage Qualification Calculator Compare a proposed purchase with modelled mortgage qualification limits.
- Upsizing Calculator Estimate added cash needs, mortgage exposure, ownership costs, and affordability ratios for a higher-cost home.
- Vehicle Lease or Loan Calculator Compare simplified vehicle loan and lease payments, including monthly, biweekly, and weekly estimates.
Assets
33 calculators shown
- Bond Duration Calculator Estimate Macaulay duration, modified duration, and interest-rate sensitivity for a coupon bond.
- Bond Price Calculator Estimate a bond price from face value, coupon, yield, payment frequency, and time to maturity.
- Bond Yield Calculator Estimate current yield and yield to maturity from bond price, coupon, face value, and term.
- CAGR Calculator Calculate compound annual growth from a starting value, ending value, and holding period.
- CAPM Return Calculator Estimate required return using the capital asset pricing model: risk-free rate, beta, and market risk premium.
- Compound Growth Calculator Project a single starting amount forward without recurring contributions.
- Contribution Catch-Up Calculator Estimate the extra regular contribution needed to reach a savings target by a selected date.
- Dividend Yield Calculator Estimate dividend yield, forward dividend yield, and payout ratio from dividend and price inputs.
- Downsizing Calculator Estimate released equity, ownership-cost changes, and holding-period savings from moving to a lower-cost home.
- DuPont ROE Calculator Break return on equity into profit margin, asset turnover, and equity multiplier.
- Education Savings Goal Calculator Compare each beneficiary's projected RESP savings with the education-start value of future study costs.
- Estate Goal Calculator Compare a projected estate value with an estate target using growth, withdrawal, and time assumptions.
- FHSA/HBP Planner Estimate how FHSA savings, HBP withdrawals, RRSP savings, and other funds may support a first-home purchase.
- Future Value Calculator Estimate how a starting amount and recurring contributions may grow under a constant return assumption.
- Holding Period Return Calculator Measure total return over a selected holding period, including price change and income received.
- Home Sale Proceeds Calculator Estimate cash available after a property sale, mortgage repayment, selling costs, and cash set-asides.
- Human Capital Calculator Estimate the present value of future employment income using income growth, discount rate, and remaining work years.
- Investment Fee Impact Calculator Estimate how recurring annual investment fees may reduce long-term portfolio growth.
- IRR Calculator Estimate an internal rate of return from an initial outlay, ending value, and selected cash-flow timing.
- Move or Stay Calculator Compare staying put, downsizing, and upsizing under simplified sale, purchase, and mortgage assumptions.
- Net Worth Calculator Estimate assets, liabilities, and personal net worth as a planning snapshot.
- Non-Reg Growth Calculator Project a taxable non-registered account using return mix, taxable income, realized gains, and deferred tax.
- NPV Calculator Discount projected cash flows to estimate net present value under a selected discount rate.
- Portfolio Yield Calculator Estimate a weighted income yield from portfolio holdings, weights, and yield assumptions.
- Present Value Calculator Estimate today's value of one future amount, without deposits or recurring contributions.
- Real vs Nominal Return Calculator Compare nominal return, inflation, real return, and purchasing-power change.
- Rent or Buy Calculator Compare buying a home with renting and investing the cash-flow difference over a selected period.
- Save Early vs Late Calculator Compare starting now with starting later, and estimate the later contribution needed to catch up.
- Sharpe Ratio Calculator Estimate risk-adjusted return from portfolio return, risk-free rate, and volatility.
- Starting Amount Needed Calculator Estimate the amount needed today to reach a future target after planned recurring contributions.
- Stock Value Calculator Estimate intrinsic value using a selected textbook valuation method.
- TFSA Catch-Up Calculator Estimate how long planned contributions may take to use available TFSA room.
- WACC Calculator Estimate weighted average cost of capital from equity, debt, cost, and tax assumptions.
Retirement Readiness
15 calculators shown
- Coast FIRE Calculator Estimate whether current invested assets could grow to a future financial independence target without additional contributions.
- CPP/QPP Timing Calculator Compare simplified start-age scenarios for Canadian public pension benefits.
- DB Pension vs Commuted Value Calculator Compare a defined benefit pension income stream with a commuted value scenario using transparent assumptions.
- Financial Independence Calculator Estimate a moving FIRE target from spending, inflation, retirement-period length, current assets, contributions, and return assumptions.
- GIS Calculator Screen GIS, Allowance, or Allowance for the Survivor using current maximums, income thresholds, eligibility flags, and working-income assumptions.
- OAS Calculator Estimate Old Age Security pension amounts before recovery tax using current maximums, residence years, and deferral assumptions.
- OAS Clawback Calculator Estimate the OAS clawback, formally the Old Age Security recovery tax, from income assumptions.
- QPP Estimate Calculator Estimate a Quebec Pension Plan amount from statement values, non-standard start ages, and a future contribution stop age.
- Retirement Calculator Model retirement income, withdrawals, CPP/QPP, OAS, and savings against an after-tax spending target.
- Retirement Funding Gap Calculator Estimate an annual retirement income gap, simplified portfolio target, and projected savings gap.
- Retirement Savings Goal Calculator Estimate whether current savings and planned contributions may support a retirement spending target under simplified assumptions.
- Retirement Sustainability Calculator Test whether a starting portfolio may support indexed retirement spending over a selected retirement period.
- RRIF Minimum Withdrawal Calculator Estimate a prescribed RRIF minimum withdrawal and project future minimum withdrawals and balances under stated assumptions.
- Sequence of Returns Risk Calculator Compare how the same annual returns can produce different withdrawal outcomes when return order changes.
- Withdrawal Rate Calculator Estimate a first-year retirement withdrawal rate from spending, income sources, portfolio assets, savings before withdrawals, and inflation.
Insurance & Risk
1 calculator shown
Tax Optimization
22 calculators shown
- Canadian Dividend Tax Estimator Estimate the income-tax change from a Canadian cash dividend, with details of gross-up, the taxable amount, and federal and provincial or territorial dividend tax credits.
- Canadian Income Tax Comparison Calculator Compare simplified 2026 personal income-tax estimates across all Canadian provinces and territories.
- Canadian Personal Income Tax Calculator Estimate Canadian personal income tax from taxable income using federal and provincial or territorial brackets and simplified credit assumptions.
- Capital Gains Tax Estimator Estimate a capital gain or loss from proceeds, adjusted cost base and selling costs, and estimate the income-tax change from a positive gain.
- Federal AMT Exposure Estimator Screen for possible federal alternative minimum tax exposure using simplified preference-item assumptions.
- Federal Taxable Income Estimator Estimate federal taxable income from selected income components and deductions already determined to be deductible.
- Marginal Effective Tax Rate Calculator Estimate how selected income tax, payroll contribution, and OAS recovery items may reduce an additional amount of income.
- Marginal Tax Rate Estimator Estimate next-dollar income-tax rates for four income types at one taxable-income level.
- Payroll Deductions Calculator Estimate employee CPP or QPP, EI, QPIP, simplified income-tax withholding, and per-pay net pay from employment income.
- Québec Provincial Taxable Income Estimator Estimate one person’s 2026 Québec provincial taxable income from selected return amounts, deductions and adjustments.
- Registered Accounts Calculator Compare simplified TFSA, RRSP, FHSA, RESP, and non-registered outcomes from one savings assumption.
- Rental Income Calculator Estimate net rental income or loss for one rental property from the annual income, expenses, ownership share and adjustments you enter.
- RRSP Contribution Catch-Up Calculator Estimate a recurring contribution pace for using a simplified starting amount of RRSP room over a selected period.
- RRSP Contribution Room Calculator Estimate the 2026 RRSP deduction limit, available contribution room after CRA-reported unused contributions, and remaining room after other relevant contributions.
- RRSP Contribution Tax Savings Calculator Estimate RRSP contribution tax savings using an entered marginal tax rate and an assumption that the contributions are fully deductible.
- RRSP vs TFSA Breakeven Calculator Compare RRSP and TFSA outcomes and estimate the withdrawal tax rate where the simplified results are equal.
- RRSP vs TFSA Comparison Calculator Compare simplified long-term RRSP and TFSA after-tax values under entered contribution, tax and return assumptions.
- RRSP Withdrawal Tax Calculator Estimate incremental tax, after-tax withdrawal, and tax withheld at source for an RRSP or RRIF withdrawal.
- Spousal RRSP Attribution Calculator Estimate whether a spousal RRSP or RRIF withdrawal may fall inside the attribution contribution window.
- Tax by Income Type Compare the estimated income-tax effect of the same additional amount as ordinary income, a capital gain or either type of Canadian dividend.
- Taxable-Equivalent Yield Calculator Compare tax-exempt yield with a taxable yield using a marginal tax-rate assumption.
- Terminal Tax Calculator Estimate how selected death-triggered income amounts may affect final-year taxable income.