Free Canadian Financial
Calculators & Tools
17 free tools built for Canadians — TFSA, RRSP, FHSA, CPP / CPP2, OAS clawback, RRIF, FatFIRE, and more. CRA-aligned for 2025-26. No signup. No ads.
TFSA Calculator
Project your TFSA balance with the 2026 $7,000 limit and cumulative-room math ($109K for someone 18+ since 2009).
TFSA Successor Holder
Spousal successor-holder vs beneficiary — no contribution room used, no tax on post-death growth, no probate.
RRSP Contribution Calculator
RRSP room math at 18% of earned income up to the 2025 $32,490 cap. Carry-forward of unused room.
RRSP vs TFSA
Pre-tax RRSP vs post-tax TFSA — which one wins at your current and projected retirement marginal rates.
FHSA Calculator
First Home Savings Account: $8,000 annual / $40,000 lifetime contribution room with tax-free growth and withdrawal.
RESP Calculator
RESP projection with the 20% CESG grant ($500/yr, $7,200 lifetime max) and provincial top-ups.
CPP Calculator
CPP retirement-benefit estimate at 60 / 65 / 70 with reduction (~36%) and delay-credit (~42%) factors.
CPP Enhancement (CPP2)
Tier-2 CPP contributions (4% employee + 4% employer) on YMPE-to-YAMPE band ($71,300-$81,200 in 2025).
OAS Clawback Calculator
OAS recovery tax at 15% above the $93,454 (2025) threshold. Fully clawed back around $151K (65-74) / $157K (75+).
RRIF Calculator
RRIF drawdown projection with the CRA minimum-withdrawal schedule from age 71 and withholding-tax tiers.
Mortgage Calculator
Canadian mortgage with semi-annual compounding, amortisation schedule, and stress-test rate scenarios.
Refinance Calculator
Refinance break-even with the IRD penalty (3-month interest or interest-rate differential), whichever is higher.
Net Worth Calculator
Total net worth across TFSA, RRSP, FHSA, RESP, real estate, and debts. Benchmarked to Stats Canada averages.
FIRE Calculator
Canadian FIRE number with 4% safe-withdrawal rule, RRSP meltdown timing, and OAS-clawback-aware withdrawals.
FatFIRE Calculator Canada
$3M+ CAD FatFIRE threshold for $100K/yr lifestyles in Toronto, Vancouver, or Calgary. RRSP/TFSA split, OAS clawback impact, provincial tax.
Compound Interest Calculator
Compound growth with monthly contributions, side-by-side TFSA vs taxable scenario comparison.
Currency Converter
CAD to 30+ currencies with live rates — useful for cross-border investing and remittance.