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Mortgage · Tax · GST · Immigration · Benefits
Every calculator
Canadians need
54 free calculators covering everything from mortgage payments and income tax to GST/HST, immigration scores, child benefits, citizenship eligibility, and cost of living, all built for Canada, updated for 2026.
51
Live tools
100%
Free, always
51
Rules updated
Home & Mortgage
Buying, owning, and financing your home
● Live
Mortgage Calculator
Monthly payments, CMHC insurance, stress test, amortization schedule, and land transfer tax by province.
● Live
HELOC Calculator
Calculate your home equity line of credit limit, interest payments, and compare vs refinancing. OSFI 2026 rules.
● Live
Refinance Break-Even
Calculate your IRD prepayment penalty, monthly savings, and exact break-even point on refinancing.
● New
Mortgage Stress Test
Your qualifying rate, payment and debt ratios under the OSFI rule: the greater of your rate plus 2% or 5.25%.
● New
CMHC Insurance Calculator
Premium, sales tax at closing and total mortgage when you put less than 20% down.
● New
RRIF Minimum Withdrawal
Your minimum withdrawal from CRA prescribed factors, tax withheld and a projection by age.
● Live
Rent vs Buy
True 10–25 year cost comparison including opportunity cost, appreciation, and break-even year.
● Live
FHSA + HBP Stack
FHSA growth, tax savings, and total down payment stacked with the RRSP Home Buyers' Plan ($60K).
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Mortgage Early Payoff
Add extra payments and see interest saved and time saved. Or set a target payoff year and get exact monthly/bi-weekly/yearly extra payment needed.
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Home Affordability
How much house can you afford? Uses official GDS (39%) and TDS (44%) ratios with the stress test. Includes CMHC insurance and Canadian semi-annual compounding.
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Land Transfer Tax
Calculate LTT for all Canadian provinces, Ontario (+ Toronto double tax), BC, Quebec Welcome Tax, Manitoba. First-time buyer rebates included.
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Rent Increase Calculator
Find the maximum legal rent increase for your province. Ontario 2.1%, BC 2.3%, Manitoba 1.8%. Shows notice requirements, Form N1 guidance, and 5-year projection.
● Live
Can I Afford...? Hub
20 life affordability questions answered, house, condo, car, baby, freelance, early retirement, and more. Each card links to the right calculator with Canadian context.
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Fixed vs Variable Mortgage
Compare total interest, monthly payments, and break penalties for fixed vs variable rate mortgages. Model 5 rate scenarios. IRD penalty calculator included.
● New
Mortgage Renewal Calculator
Your new payment at a new rate, the change from today, interest over the term, and the effect of a lump sum or longer amortization.
Tax & Income
What you actually take home
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Take-Home Pay
Net salary after federal and provincial income tax, CPP, and EI. All 13 provinces, 2026 brackets.
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Where Do You Rank?
See your income and net worth percentile vs other Canadians your age and in your province. Based on StatsCan Survey of Financial Security data.
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Reverse Salary Calculator
Enter your net take-home pay and payment frequency, back-calculate your gross annual salary using 2026 CPP, EI and provincial income tax rates.
● Live
GST/HST Calculator
Calculate GST, HST, PST, or QST for any Canadian province. Add tax to a price or extract tax from a total (reverse calculator). All 13 provinces. Nova Scotia 14% updated.
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Reverse Sales Tax Calculator
Enter what you paid (tax included) and your province, extract the exact pre-tax price, GST/HST/PST amount, and combined rate. All 13 provinces.
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TFSA Room Calculator
Find out how much TFSA room you have in 2026. Shows cumulative room, over-contribution warning, and tax-free growth projection.
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Canada Child Benefit
Estimate monthly CCB payments using the exact CRA formula. $8,157/yr per child under 6, $6,883 for ages 6–17.
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EI Benefits Calculator
Calculate your weekly Employment Insurance benefit using the official ESDC formula. Max $729/week in 2026. Shows duration, total EI, and eligibility check.
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Maternity & Parental Leave
EI benefits for maternity (15 wks) and parental leave (standard 40 wks or extended 69 wks). Add employer top-up to see week-by-week income during leave.
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Overtime Pay Calculator
Calculate overtime for any Canadian province. Ontario 44hrs, BC daily 1.5× and 2× after 12hrs, Alberta 44hrs. Enter hours worked for exact pay breakdown.
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Salary & Hourly Converter
Convert between hourly, daily, weekly, bi-weekly, monthly, and annual pay. Shows provincial minimum wages, CPP/EI estimates, and all 13 provinces minimum wage table.
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Vacation Pay Calculator
Calculate vacation pay for any Canadian province. Shows %, weeks entitlement, dollar amount, and vacation pay owing on termination. All provinces including Federal.
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Severance Pay Calculator
Know your rights before signing. Calculates statutory minimum termination pay for all provinces + Ontario severance. Shows common law estimate and what your employer may actually owe.
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Freelance Rate Calculator
Find the minimum hourly rate you need as a Canadian freelancer. Accounts for CPP at double rate, no employer benefits, vacation pay, and GST/HST registration threshold.
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RSU & Stock Option Tax
Calculate Canadian tax on RSUs and employee stock options. RSUs taxed as employment income at vesting (T4 Box 38). $200K option deduction limit. Capital gains on appreciation.
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Province Tax Comparison
Compare take-home pay, income tax, sales tax, minimum wage, and rent side-by-side for any two Canadian provinces. See exactly what moving provinces means for your wallet.
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Cost of Living by City
Compare rent, groceries, transit, and utilities across 16 Canadian cities. Includes salary equivalency tool.
● New
Tax Refund Estimator
Estimate your 2026 refund or balance owing from income, tax withheld, RRSP, tuition, medical and donations. All provinces.
● New
RRSP Refund Calculator
See how much tax you get back for an RRSP contribution, with the refund shown for every province.
● New
Capital Gains Tax Calculator
Tax on shares, property and your home with the 50% inclusion rate, principal residence and $1,275,000 lifetime exemption.
● New
Stat Holiday Pay Calculator
Holiday pay for a day off and pay for working a stat holiday, using the formula for 10 provinces.
Retirement & Savings
Plan your long-term financial future
● Live
RRSP at Retirement
Project your RRSP balance, monthly RRIF income, after-tax withdrawals, and how long savings will last.
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RRSP vs TFSA
Which account gives you more after-tax money? Compare based on your income today and expected retirement income.
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GRSP Employer Match
The real value of your employer's GRSP match, effective contribution rate, and retirement impact.
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CPP & OAS Estimator
Estimate monthly CPP and OAS payments. Early/late start adjustments, clawback. 2026 rates ($1,507 max CPP).
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FIRE Calculator Canada
Calculate your FIRE number (25× spending), portfolio at target retirement age, and whether your savings rate will get you there. CPP and OAS integrated.
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Emergency Fund
Personalized emergency fund target based on your expenses, job stability, dependants, and risk factors.
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Debt Payoff Planner
Enter all your debts and see your debt-free date using avalanche or snowball strategy with a month-by-month plan.
● New
RESP Calculator with CESG
Project your RESP with the Canada Education Savings Grant: $500 a year, $7,200 lifetime, carry-forward room and income-based top-ups.
● New
GIC & Compound Interest Calculator
Final value, tax on the interest in your province, compounding frequency and real return after inflation.
Everyday Finance
Day-to-day financial decisions
PR & Citizenship
Express Entry, CRS score and citizenship eligibility
● Live
CRS Score Calculator
Express Entry CRS score using official IRCC 2026 tables. FSW, CEC, PNP. Job offer points removed March 2025.
● Live
Citizenship Presence Calculator
Track your 1,095-day citizenship requirement. Log absences, count PR days (1:1) and temporary resident days (0.5:1). Find your earliest eligible date.
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Come to Canada Guide
All pathways to immigrate to Canada, Express Entry, PNP, family sponsorship, study, and work.
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Express Entry Guide
Plain-language walkthrough of the full Express Entry process from profile to PR.
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Study Permit Guide
Requirements, processing times, and step-by-step process for a Canadian study permit.
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Work Permit Guide
Open vs closed work permits, LMIA requirements, and how to apply from inside or outside Canada.
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PGWP Guide
Post-Graduation Work Permit eligibility, duration rules, and how to apply after graduating.
● New
IELTS / CELPIP to CLB Converter
Convert IELTS, CELPIP, PTE Core, TEF and TCF scores to CLB levels and first-language CRS points.
Home & Mortgage
Buying, owning, and financing your home in Canada
● Live
Mortgage Calculator
Monthly payments, CMHC insurance, stress test, amortization schedule, and land transfer tax by province.
● Live
HELOC Calculator
Calculate your home equity line of credit limit, interest payments, and compare vs refinancing. OSFI 2026 rules.
● Live
Refinance Break-Even
Calculate your IRD prepayment penalty, monthly savings, and exact break-even point on refinancing.
● New
Mortgage Stress Test
Your qualifying rate, payment and debt ratios under the OSFI rule: the greater of your rate plus 2% or 5.25%.
● New
CMHC Insurance Calculator
Premium, sales tax at closing and total mortgage when you put less than 20% down.
● New
RRIF Minimum Withdrawal
Your minimum withdrawal from CRA prescribed factors, tax withheld and a projection by age.
● Live
Rent vs Buy
True 10–25 year cost comparison including opportunity cost, appreciation, and break-even year.
● Live
FHSA + HBP Stack
FHSA growth, tax savings, and total down payment stacked with the RRSP Home Buyers' Plan ($60K).
● Live
Mortgage Early Payoff
Add extra payments and see interest saved and time saved. Or set a target payoff year and get exact monthly/bi-weekly/yearly extra payment needed.
● Live
Home Affordability
How much house can you afford? Uses official GDS (39%) and TDS (44%) ratios with the stress test. Includes CMHC insurance and Canadian semi-annual compounding.
● Live
Land Transfer Tax
Calculate LTT for all Canadian provinces, Ontario (+ Toronto double tax), BC, Quebec Welcome Tax, Manitoba. First-time buyer rebates included.
● Live
Rent Increase Calculator
Find the maximum legal rent increase for your province. Ontario 2.1%, BC 2.3%, Manitoba 1.8%. Shows notice requirements, Form N1 guidance, and 5-year projection.
● Live
Can I Afford...? Hub
20 life affordability questions answered, house, condo, car, baby, freelance, early retirement, and more. Each card links to the right calculator with Canadian context.
● Live
Fixed vs Variable Mortgage
Compare total interest, monthly payments, and break penalties for fixed vs variable rate mortgages. Model 5 rate scenarios. IRD penalty calculator included.
● New
Mortgage Renewal Calculator
Your new payment at a new rate, the change from today, interest over the term, and the effect of a lump sum or longer amortization.
Tax & Income
Understand what you actually take home
● Live
Take-Home Pay
Net salary after federal and provincial income tax, CPP, and EI. All 13 provinces, 2026 brackets.
● Live
Where Do You Rank?
See your income and net worth percentile vs other Canadians your age and in your province. Based on StatsCan Survey of Financial Security data.
● Live
GST/HST Calculator
Calculate GST, HST, PST, or QST for any Canadian province. Add tax to a price or extract tax from a total (reverse calculator). All 13 provinces. Nova Scotia 14% updated.
● Live
TFSA Room Calculator
Find out how much TFSA room you have in 2026. Shows cumulative room, over-contribution warning, and tax-free growth projection.
● Live
Canada Child Benefit
Estimate monthly CCB payments using the exact CRA formula. $8,157/yr per child under 6, $6,883 for ages 6–17.
● Live
EI Benefits Calculator
Calculate your weekly Employment Insurance benefit using the official ESDC formula. Max $729/week in 2026. Shows duration, total EI, and eligibility check.
● Live
Maternity & Parental Leave
EI benefits for maternity (15 wks) and parental leave (standard 40 wks or extended 69 wks). Add employer top-up to see week-by-week income during leave.
● Live
Overtime Pay Calculator
Calculate overtime for any Canadian province. Ontario 44hrs, BC daily 1.5× and 2× after 12hrs, Alberta 44hrs. Enter hours worked for exact pay breakdown.
● Live
Salary & Hourly Converter
Convert between hourly, daily, weekly, bi-weekly, monthly, and annual pay. Shows provincial minimum wages, CPP/EI estimates, and all 13 provinces minimum wage table.
● Live
Vacation Pay Calculator
Calculate vacation pay for any Canadian province. Shows %, weeks entitlement, dollar amount, and vacation pay owing on termination. All provinces including Federal.
● Live
Severance Pay Calculator
Know your rights before signing. Calculates statutory minimum termination pay for all provinces + Ontario severance. Shows common law estimate and what your employer may actually owe.
● Live
Freelance Rate Calculator
Find the minimum hourly rate you need as a Canadian freelancer. Accounts for CPP at double rate, no employer benefits, vacation pay, and GST/HST registration threshold.
● Live
RSU & Stock Option Tax
Calculate Canadian tax on RSUs and employee stock options. RSUs taxed as employment income at vesting (T4 Box 38). $200K option deduction limit. Capital gains on appreciation.
● Live
Province Tax Comparison
Compare take-home pay, income tax, sales tax, minimum wage, and rent side-by-side for any two Canadian provinces. See exactly what moving provinces means for your wallet.
● Live
Cost of Living by City
Compare rent, groceries, transit, and utilities across 16 Canadian cities. Includes salary equivalency tool.
● Live
Reverse Salary Calculator
Enter your net take-home pay and payment frequency, back-calculate your gross annual salary with 2026 CPP, EI and tax rates.
● Live
Reverse Sales Tax Calculator
Enter what you paid (tax included) and your province, extract the exact pre-tax price and GST/HST/PST amount.
● New
Tax Refund Estimator
Estimate your 2026 refund or balance owing from income, tax withheld, RRSP, tuition, medical and donations. All provinces.
● New
RRSP Refund Calculator
See how much tax you get back for an RRSP contribution, with the refund shown for every province.
● New
Capital Gains Tax Calculator
Tax on shares, property and your home with the 50% inclusion rate, principal residence and $1,275,000 lifetime exemption.
● New
Stat Holiday Pay Calculator
Holiday pay for a day off and pay for working a stat holiday, using the formula for 10 provinces.
Retirement & Savings
Plan your long-term financial future
● Live
RRSP at Retirement
Project your RRSP balance, monthly RRIF income, after-tax withdrawals, and how long savings will last.
● Live
RRSP vs TFSA
Which account gives you more after-tax money? Compare based on your income today and expected retirement income.
● Live
GRSP Employer Match
The real value of your employer's GRSP match, effective contribution rate, and retirement impact.
● Live
CPP & OAS Estimator
Estimate monthly CPP and OAS payments. Early/late start adjustments, clawback. 2026 rates ($1,507 max CPP).
● Live
FIRE Calculator Canada
Calculate your FIRE number (25× spending), portfolio at target retirement age, and whether your savings rate will get you there. CPP and OAS integrated.
● Live
Emergency Fund
Personalized emergency fund target based on your expenses, job stability, dependants, and risk factors.
● Live
Debt Payoff Planner
Enter all your debts and see your debt-free date using avalanche or snowball strategy with a month-by-month plan.
● New
RESP Calculator with CESG
Project your RESP with the Canada Education Savings Grant: $500 a year, $7,200 lifetime, carry-forward room and income-based top-ups.
● New
GIC & Compound Interest Calculator
Final value, tax on the interest in your province, compounding frequency and real return after inflation.
Everyday Finance
Day-to-day financial decisions
PR & Citizenship
Express Entry, CRS score and citizenship physical presence
● Live
CRS Score Calculator
Express Entry CRS score using official IRCC 2026 tables. FSW, CEC, PNP. Job offer points removed March 2025.
● Live
Citizenship Presence Calculator
Track your 1,095-day citizenship requirement. Log absences, count PR days (1:1) and temporary resident days (0.5:1). Find your earliest eligible date.
● Live
Come to Canada Guide
All pathways to immigrate to Canada, Express Entry, PNP, family sponsorship, study, and work.
● Live
Express Entry Guide
Plain-language walkthrough of the full Express Entry process from profile creation to PR.
● Live
Study Permit Guide
Requirements, processing times, and step-by-step process for a Canadian study permit.
● Live
Work Permit Guide
Open vs closed work permits, LMIA requirements, and how to apply from inside or outside Canada.
● Live
PGWP Guide
Post-Graduation Work Permit eligibility, duration rules, and how to apply after graduating.
● New
IELTS / CELPIP to CLB Converter
Convert IELTS, CELPIP, PTE Core, TEF and TCF scores to CLB levels and first-language CRS points.
Why CanadaCalculator.ca?
Most calculators online are built for the US. Canadian rules are different, and they matter.
Canadian math, not US
Canadian mortgages compound semi-annually by law. CPP, EI, FHSA, RRSP · all calculated with correct Canadian rules.
Always up to date
CMHC rules, OSFI stress test, CRA tax brackets, CRS scoring, and CPP/OAS amounts updated after every official change.
No account needed
No signup, no email. Every calculation runs in your browser, we never see your numbers.
Instant results
No loading spinners, no server calls. Every result updates in real time as you type.
🇨🇦 Coming to Canada, Guides
View all pathways →Step-by-step checklists with documents, fees, and timelines. Based on IRCC rules updated May 2026.
🎓
Study Permit
For international students. 309,670 spaces in 2026. PAL/TAL rules, DLI checklist, proof of funds.
$150 fee4–16 weeks
💼
Work Permit
LMIA & LMIA-exempt (CUSMA, ICT, IEC, spousal). 170K IMP target in 2026. Both employer types covered.
$155–$255 fee2–16 weeks
🎓➡️💼
PGWP
Post-Graduation Work Permit. Work anywhere in Canada up to 3 years. 1,107 eligible programs frozen 2026.
$255 fee180-day deadline
🍁
Express Entry, PR
Permanent residence for skilled workers. 5 new categories Feb 2026. CEC cutoff 507–515. ~6 month processing.
~$2,325 total fees~6 months
Frequently asked questions
General questions about our tools and Canadian financial rules.
Are these calculators accurate for Canada?
Yes. Every calculator is built specifically for Canadian rules, semi-annual mortgage compounding, CMHC thresholds, provincial tax brackets, CRS scoring, and CPP/OAS amounts. We don't adapt US tools.
How often are the calculators updated?
We update after federal budgets, Bank of Canada announcements, CMHC policy changes, and IRCC CRS updates. All calculators reflect 2026 rules.
Is this financial advice?
No. All calculators are for informational purposes only. Always consult a licensed mortgage broker, financial advisor, or immigration consultant before making major decisions.
Why is Canadian mortgage math different from the US?
In Canada, mortgage interest compounds semi-annually by law, not monthly like the US. The correct Canadian monthly rate is: (1 + annual rate ÷ 2)^(1/6) − 1. Our calculators use this formula.