Canadian Financial Calculators 2026

Every calculator

• Take-Home Pay & Real Hourly Wage — See exactly what lands in your bank after federal + provincial tax, CPP, CPP2 and EI.
• Gig Worker Tax Surprise Shield — Estimate income tax, CPP self-contributions and GST/HST owed on gig income before April 30.
• FHSA vs TFSA vs RRSP Priority — Decide which registered account gets your next dollar based on income, age and home-buying plans.
• FHSA vs RRSP Home Buyers' Plan — Compare the FHSA and the RRSP Home Buyers' Plan for your first-home down payment.
• Mortgage Stress Test — See if you'd pass OSFI's stress test at contract rate + 2% or 5.25%, whichever is higher.
• TFSA vs RRSP Tax-Shield — Compare the after-tax value of $1 in a TFSA vs an RRSP given your current and retirement brackets.
• RESP Grant Maximizer — Plan CESG-matched RESP contributions to capture all available grant room before age 17.
• Side-Hustle / Sole-Prop Tax Estimator — Model combined T4 + self-employment income, CPP self-contributions and quarterly instalments.
• RRIF Minimum Withdrawal — See your legally-required RRIF withdrawal each year and the tax bracket it pushes you into.