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Crunch your
mortgage taxes investments business valuation mortgage

Free Canadian financial calculators — mortgage, tax, business valuation, RRSP vs TFSA, and more. No sign-ups, no nonsense — just smart tools that help you make better money decisions.

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✨ Featured Calculators

Powerful tools,
ridiculously simple

Canadian Mortgage Calculator

The only mortgage calculator that actually does Canadian semi-annual compounding correctly. CMHC, stress test, and land transfer tax built in.

  • Semi-annual compounding (as required by law)
  • CMHC insurance premiums
  • OSFI B-20 stress test
  • Provincial land transfer taxes
Try it →
Monthly Payment
$3,584

Business Valuation

Three professional valuation methods — DCF, comparable multiples, and asset-based approaches. Sensitivity tables included.

  • 5-year DCF with terminal value
  • Industry-specific multiples
  • Sensitivity analysis tables
  • Professional PDF export
Try it →
Enterprise Value
$8.2M

Canadian Tax Estimator

Federal + provincial tax calculations with all Canadian-specific brackets. See exactly where your money goes.

  • 2025/2026 federal & provincial brackets
  • CPP, EI, and basic personal amount
  • Marginal vs effective rate breakdown
  • Compare across provinces
Try it →
Effective Rate
28.7%

M&A Deal Analyzer

Model accretion/dilution, financing mix, and synergy impact. The same analysis investment banks charge thousands for.

  • Accretion/dilution analysis
  • Cash, stock, and mixed financing
  • Synergy modeling
  • Sensitivity tables
Try it →
EPS Impact
+12.4% Accretive
🧮 All Tools

Every calculator you need

14 professional-grade tools, zero price tag.

Business & M&A
🏢

Business Valuation

DCF, multiples & asset-based approaches

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🤝

M&A Deal Analyzer

Accretion/dilution & financing mix

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🚀

Startup Runway

Burn rate, hiring & fundraising timing

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Personal Finance
🏠

Canadian Mortgage

Semi-annual compounding, CMHC, stress test

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📈

Investment Returns

CAGR, DCA & portfolio growth

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📊

Compound Interest

Visualize the power of compounding

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💰

Net Worth Tracker

Track assets, liabilities & progress

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💼

Salary & Compensation

Total comp, take-home & benefits

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💳

Debt Payoff

Snowball, avalanche & payoff timeline

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Tax & Planning
🏦

RRSP vs TFSA

Compare tax-advantaged accounts

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🧾

Canadian Tax Estimator

Federal + provincial brackets

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🚗

Lease vs Buy

Total cost comparison over time

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💱

Currency Converter

Live exchange rates

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⚖️

Side-by-Side Compare

Compare any two financial options

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🎯 How It Works

Three steps. Zero friction.

STEP 01

Pick your calculator

Browse 14+ financial tools — from mortgage to M&A, we've got you covered.

STEP 02

Punch in your numbers

Easy inputs with smart defaults. Watch results update in real time.

STEP 03

Make better decisions

Export PDF reports, compare scenarios, and act with confidence.

📊 Numbers Don't Lie

The proof is in the pudding

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Calculators
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Data Stored
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Canadian-Built
💪 Why FiggyBank

Built different. Built for you.

Canadian-First

Built for Canadian tax brackets, CMHC rules, RRSP limits, and semi-annual mortgage compounding.

Privacy-First

All calculations run in your browser. Nothing stored. Nothing sent. Your numbers never leave your device.

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Always Free

No accounts, no paywalls, no BS. Just open the page and start crunching numbers.

PDF

Export Ready

Professional PDF reports for client meetings, boardrooms, or your own records.

❓ FAQ

Got questions?

Is FiggyBank really free? ▾
Yes, 100% free. All 14+ calculators are available without creating an account or paying anything. We believe everyone deserves access to quality financial tools.
Is my data safe? ▾
Absolutely. All calculations run entirely in your browser using JavaScript. No data is sent to any server. Your financial numbers never leave your device. We don't even have a database.
How accurate are the Canadian mortgage calculations? ▾
Our mortgage calculator uses Canadian semi-annual compounding as required by law, includes CMHC insurance premiums for high-ratio mortgages, provincial land transfer taxes, and OSFI B-20 stress test calculations. Results match major bank calculators.
Should I choose RRSP or TFSA? ▾
It depends on your current vs. expected retirement tax rate. Generally, RRSP is better if your current tax rate is higher than your expected retirement rate. Use our RRSP vs TFSA Optimizer to compare based on your specific situation — it'll show you the exact dollar difference.
Can I export results as PDF? ▾
Yes! Most calculators have an "Export PDF" button that generates a professional report with your inputs, results, and charts. Great for client meetings, personal records, or sharing with your financial advisor.
Are the tax brackets up to date? ▾
We update federal and provincial tax brackets annually. The current calculator reflects 2025/2026 Canadian tax rates, CPP/EI contributions, and basic personal amounts for all provinces and territories.
🐷

Ready to crunch some numbers?

14+ free calculators. Zero sign-ups. 100% Canadian.

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Get in Touch

Have a question, suggestion, or just want to say hi? Drop us a line.

Your money. Your math. Your move.

Smart money moves made simple — start crunching numbers today.

Business & M&A Personal Finance Tax & Planning Contact Us

⚠️ Disclaimer: All calculations provided by FiggyBank are for illustrative and educational purposes only. They do not constitute financial, tax, legal, or investment advice. Always verify results independently and consult a qualified professional before making financial decisions.

Built with ❤️ in Canada 🇨🇦

© 2026 FiggyBank

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🏢

Business Valuation Calculator

Estimate business value using DCF, comparable multiples, and asset-based approaches.

Assumptions

Current annual free cash flow ($)
10%
2.5%
12%
Total debt minus cash (negative = net cash position)
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🏠

Canadian Mortgage Calculator

Calculate payments with OSFI stress test, land transfer tax, and complete amortization schedule.

Mortgage Details

20%
Down payment: $160,000
5.5%
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📈

Investment Returns Calculator

Calculate CAGR, simulate dollar-cost averaging, and project portfolio growth over time.

Investment Details

5 yrs
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🏦

RRSP vs TFSA Optimizer

Compare tax-sheltered strategies and find your optimal Canadian retirement plan.

Your Situation

7%
Annual income in retirement (for tax bracket comparison)
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📊

Compound Interest Visualizer

See the magic of compound growth. Small contributions today become extraordinary wealth tomorrow.

⚡ Rule of 72 — Quick Doubling Calculator

Enter an interest rate to see how long it takes to double, or enter a target doubling time to find the required rate.

≈ 10.3 years to double
≈ 7.2% rate needed
7%
25 yrs

📊 Compare Scenario B

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🤝

M&A Deal Analyzer

Accretion/dilution analysis, synergy modeling, and deal structuring.

Acquirer

Target

25%

Deal Structure

50% Cash / 50% Stock
5%
25%

Synergies

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🚀

Startup Runway Calculator

Calculate your burn rate, runway, and break-even point. Plan with multiple scenarios.

📥 Financial Inputs

0% — 30% monthly growth
Rent, salaries, tools, subscriptions
Additional cost increase per month (cumulative) — separate from named hires below

👥 Hiring Plan

Monthly Burn Rate
$0
Current costs − revenue
Runway (No Growth)
0 months
Runway (With Growth)
0 months
Cash Zero Date
—
Safety Zone
—
Break-Even Month
—

📊 Monthly Cash Balance Projection

Base Case Scenario
Positive Balance Negative / Danger Break-Even Reached
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💰

Net Worth Tracker

Track your complete financial picture. Save snapshots to monitor progress over time.

📈 Assets

Primary residence market value
Business equity, crypto, collectibles

📉 Liabilities

Total Assets
$0
Total Liabilities
$0
Liquid Net Worth
$0
Excludes real estate & vehicles
Net Worth
$0

🥧 Asset Allocation

📸 Snapshots

📈 Net Worth Over Time

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🚗

Lease vs Buy Calculator

Compare the total cost of leasing versus buying a vehicle over the same period.

Vehicle & Lease

Value at end of lease / what you'd sell for

Buy Financing

Running Costs Difference

How much MORE buying costs for insurance (can be negative)
How much MORE buying costs for maintenance (can be negative)
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🧾

Canadian Tax Estimator

Estimate your 2025 federal and provincial income tax across all 10 Canadian provinces.

Only 50% is taxable
Grossed up by 38% for tax, then dividend tax credit applied
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💼

Salary & Compensation Analyzer

Analyze your total compensation package including base, bonus, equity, and benefits with Canadian tax estimates.

💰 Cash Compensation

Annual bonus as % of base salary

📊 Stock Options / Equity

🏥 Benefits

Employer-paid health, dental, vision

🍁 Tax Province

Total Compensation
$0
After-Tax Take-Home
$0
After income tax, CPP & EI
Effective Deduction Rate
0%
Includes tax, CPP & EI
Hourly Rate Equivalent
$0
Based on 2,080 hrs/yr
Stock Option Value
$0
Intrinsic value (annualized)
Annual Bonus
$0
🍁 Canadian Deductions Breakdown
Income Tax
$0
CPP
$0
EI
$0
Total Deductions
$0

🥧 Compensation Breakdown

📊 How You Compare

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💳

Debt Payoff Calculator

Compare Avalanche vs Snowball strategies. See your debt-free date and how extra payments save you money.

📋 Your Debts

⚔️ Strategy

Highest interest rate first — saves the most money

💪 Extra Monthly Payment

$0$200$2,000
Total Interest Paid
$0
Debt-Free Date
—
Months to Debt-Free
0
Savings vs Minimum Only
$0
Interest saved with extra payments
🎯 Debt-Free Countdown
—

📈 Payoff Timeline

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⚖️

Side-by-Side Comparison

Compare two mortgage scenarios to see which option saves you more money.

🅰️ Scenario A

🅱️ Scenario B

🅰️ Monthly Payment
$0
Total Interest: $0
Total Cost: $0
🅱️ Monthly Payment
$0
Total Interest: $0
Total Cost: $0
🏆 Verdict
Enter values to compare
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💱

Currency Converter

Convert Canadian Dollars to major world currencies. Rates are approximate.

🇺🇸 US Dollar (USD)
$0
1 CAD = 0.7353 USD
🇪🇺 Euro (EUR)
€0
1 CAD = 0.6803 EUR
🇬🇧 British Pound (GBP)
£0
1 CAD = 0.5814 GBP
🇮🇳 Indian Rupee (INR)
₹0
1 CAD = 62.50 INR
🇯🇵 Japanese Yen (JPY)
¥0
1 CAD = 111.11 JPY
🇦🇺 Australian Dollar (AUD)
A$0
1 CAD = 1.1236 AUD

⚠️ Rates are approximate and for reference only. Check a live source for current rates.