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Built from official federal and provincial rate sources.

Free Financial Calculators for Canada & USA

Compare taxes, mortgages, salary outcomes, and retirement scenarios with practical calculators tailored for Canadian and US households.

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59 Calculators

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CA

GST/HST Calculator

Estimate GST and HST amounts for purchases in Canada.

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CA

Capital Gains Tax Calculator Canada

Estimate taxable capital gains and tax on Canadian investments, real estate and crypto.

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CA

Crypto Tax Calculator Canada

Calculate Canadian crypto capital gains tax using the CRA ACB method.

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CA+US

Crypto Profit Calculator

Calculate your crypto profit, loss, ROI multiple and break-even price.

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CA

Bitcoin to CAD Calculator

Live Bitcoin and crypto to Canadian dollar converter. Updates every 60 seconds.

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US

Crypto Tax Calculator USA

Calculate US crypto capital gains tax. Short-term vs long-term IRS rates, all 50 states, NIIT included.

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CA

CRS Score Calculator

Calculate your Express Entry CRS score for Canadian immigration. All factors included.

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CA

Express Entry Draws

Latest Express Entry draw, CRS cut-off trends by category and the full draw history from IRCC data.

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CA

Monthly Budget Planner

Plan your Canadian monthly budget with 50/30/20 rule analysis, RRSP/TFSA tracking, and real-time insights.

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CA

Net Worth Calculator Canada

Calculate your net worth and compare to other Canadians by age. Includes financial health score and percentile rank.

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CA

CPP & OAS Calculator Canada

Calculate your CPP and OAS retirement benefits. Compare starting at 60, 65, or 70 with break-even analysis.

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CA

Savings Goal Calculator Canada

Calculate how much to save per month for any goal โ€” down payment, emergency fund, vacation. TFSA and HISA recommendations included.

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CA

Best Credit Cards Canada 2026

Compare the best Canadian credit cards. Personal calculator ranks cards by what you will actually earn based on your spending.

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US

Best Credit Cards USA 2026

Compare the best US credit cards for 2026. Personal calculator ranks cards by what you will actually earn.

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CA

Mortgage Stress Test

Check mortgage affordability under Canada's stress test rules.

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CA+US

Mortgage Affordability Calculator

Estimate max home price in Canada (stress test, GDS/TDS, CMHC) or the US (28/43 DTI, PMI, conforming limit).

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CA+US

Rent Affordability Calculator

See max rent from the 30% (or 20/40%) rule and a debt-adjusted budget for Canada and the US โ€” provinces and states supported.

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CA+US

FIRE Calculator

Calculate your FIRE number, FIRE age, and Coast FIRE. Year-by-year path to financial independence for Canada and the USA.

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CA

RRSP vs TFSA Calculator

Compare long-term benefits of RRSP and TFSA contributions.

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CA

TFSA Calculator

Project TFSA growth and contribution room planning.

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CA

GIC Calculator Canada

Estimate GIC maturity value and interest: compound or simple, 1โ€“5 year terms, non-registered, TFSA, or RRSP.

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CA

CPP Calculator

Estimate Canada Pension Plan benefits from earnings history.

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CA

Income Tax Calculator CA

Estimate federal and provincial income tax in Canada.

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CA

Income Tax Calculator Canada

Estimate federal and provincial income tax in Canada and compare all provinces for 2026.

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CA

Canada Tax Numbers 2027

2027 TFSA, RRSP, CPP, EI, federal brackets and OAS clawback numbers, each marked official, projected or pending.

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CA

Take Home Pay CA

Calculate net pay after Canadian taxes and deductions.

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CA

Take Home Pay Calculator Canada

Calculate net pay after Canadian taxes, CPP and EI for any province in 2026.

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CA

Mortgage Calculator CA

Estimate monthly mortgage payments for Canadian homes.

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CA

Mortgage Calculator Canada

Estimate monthly mortgage payments for Canadian homes, with stress test and CMHC insurance context.

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CA

Bank of Canada Rate Decision

Next Bank of Canada announcement with countdown, decision history, and what a 0.25% move does to a variable mortgage.

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CA

Prime Rate Canada

Today's Canadian prime rate, every change since 1990, and what prime means for variable mortgages and HELOCs.

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CA

Car Loan CA

Estimate Canadian auto loan payments and total interest.

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CA

Car Loan Calculator Canada

Estimate Canadian auto loan payments, sales tax and total interest.

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CA

Capital Gains CA

Estimate taxable capital gains for Canadian investments.

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US

Paycheck Calculator USA

Estimate US take-home pay after federal tax, state tax, Social Security, and Medicare for all 50 states.

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US

Car Payment Calculator USA

Calculate US auto loan payments with sales tax, fees, trade-in, and credit-score rate guidance.

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US

Tax Refund Estimator US

Estimate your 2026 US federal tax refund or balance due from income, withholding, and credits.

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US

Mortgage Calculator US

Calculate your monthly US mortgage payment with principal, interest, property tax, insurance, PMI, and HOA.

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US

Income Tax Calculator US

Estimate 2026 federal and state income tax (2026 state brackets) with standard deduction, 401(k), IRA, HSA, FICA, and all 50 states + DC.

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US

US Tax Numbers 2027

2027 tax brackets, standard deduction, 401(k), IRA, HSA, Social Security and Medicare numbers, each marked official, projected or pending.

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US

401k / IRA Calculator

Project 401(k) balance with employer match and 2026 limits; compare Traditional, Roth, SEP, and SIMPLE IRA outcomes.

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US

Social Security Calculator

Estimate retirement benefits by claiming age (62โ€“70), FRA comparison, lifetime to 85, and simplified spousal benefits.

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US

Social Security COLA 2027 Calculator

Your 2027 Social Security payment after the 3.6% COLA and Medicare Part B, with IRMAA tiers and the 2027 payment calendar.

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US

ACA Subsidy Calculator

Estimate your 2027 Obamacare premium tax credit by county, household and income, and see how close you are to the 400% FPL cliff.

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US

Bronze vs Silver vs Gold Calculator

Compare every ACA Marketplace plan in your county by total yearly cost after subsidy: typical year, bad year and worst case.

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US

Capital Gains Tax Calculator US

Estimate federal short/long-term capital gains, NIIT, flat state rates, and primary home sale exclusion.

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CA

RRSP Calculator Canada

Estimate RRSP tax savings by province and project retirement growth with a year-by-year schedule.

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CA

RRIF Calculator Canada

Calculate your RRIF minimum withdrawal with CRA factors, OAS clawback check, spouse age election, and a 20-year balance projection.

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CA

OAS + CPP Calculator Canada

Combine CPP and OAS with clawback, provincial tax estimate, and CPP start-age comparison to age 85.

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US

Student Loan Calculator US

Calculate US student loan monthly payments and compare federal repayment plans including Standard, IBR, SAVE, and PSLF.

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CA

FHSA Calculator Canada

Estimate FHSA tax savings, project growth toward a first home, and compare FHSA vs RRSP HBP vs TFSA.

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CA

Land Transfer Tax Calculator Canada 2026

Calculate land transfer tax for all Canadian provinces including first-time buyer rebates.

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CA

CMHC Insurance Calculator Canada 2026

Calculate your CMHC mortgage insurance premium for 2026.

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CA

Home Affordability Calculator

Estimate the maximum home price you can afford in Canada using GDS/TDS ratios and the mortgage stress test.

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CA

Debt-to-Income Calculator

Calculate your debt-to-income ratio and see if you qualify for a mortgage in Canada or the US.

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CA

Mortgage Penalty Calculator

Estimate your mortgage break penalty in Canada โ€” IRD vs 3-month interest comparison.

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CA

Closing Costs Calculator

Estimate your total closing costs when buying a home in Canada โ€” land transfer tax, legal fees, title insurance, and more.

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CA

RESP Calculator Canada 2026

Calculate your RESP growth and CESG grant for your child's education savings.

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US

Salary Comparison by State

Compare take-home pay across all 50 states and DC and estimate relocation with taxes and cost of living.

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