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.
Every calculator you need
20 professional-grade tools, zero price tag.
Business Valuation
DCF, multiples & asset-based approaches
→M&A Deal Analyzer
Accretion/dilution & financing mix
→Startup Runway
Burn rate, hiring & fundraising timing
→Canadian Mortgage
Semi-annual compounding, CMHC, stress test
→Investment Returns
CAGR, DCA & portfolio growth
→Compound Interest
Visualize the power of compounding
→Net Worth Tracker
Track assets, liabilities & progress
→Salary & Compensation
Total comp, take-home & benefits
→Debt Payoff
Snowball, avalanche & payoff timeline
→RRSP vs TFSA
Compare tax-advantaged accounts
→Canadian Tax Estimator
Federal + provincial brackets
→Lease vs Buy
Total cost comparison over time
→Currency Converter
Live exchange rates
→Side-by-Side Compare
Compare any two financial options
→FHSA Calculator
First home savings with tax benefits
→RESP Calculator
Education savings with government grants
→Rent vs Buy
Should you rent or buy? Full analysis
→GIC Ladder
Build a GIC ladder for steady returns
→CPP/OAS Calculator
Retirement benefits & income planning
→Capital Gains Tax
2024+ inclusion rates calculator
→Mortgage Affordability
How much home can you afford?
→RRSP Room
Calculate your contribution limit
→Life Insurance
Coverage gap analysis
→Best Rates
HISA & GIC rate comparison
→Three steps. Zero friction.
Pick your calculator
Browse 20+ financial tools — from mortgage to M&A, we've got you covered.
Punch in your numbers
Easy inputs with smart defaults. Watch results update in real time.
Make better decisions
Export PDF reports, compare scenarios, and act with confidence.
The proof is in the pudding
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.
Always Free
No accounts, no paywalls, no BS. Just open the page and start crunching numbers.
Export Ready
Professional PDF reports for client meetings, boardrooms, or your own records.
Smart money insights
Canadian personal finance guides, strategies, and calculators explained.
Learn More About Our Calculators
Over 20 professional-grade financial calculators designed specifically for Canadians.
Explore all 20+ calculators ▾
Canadian Mortgage Calculator
Calculate your monthly mortgage payment with accurate Canadian semi-annual compounding, CMHC insurance for high-ratio mortgages, provincial land transfer tax, and OSFI B-20 stress test qualification. Essential for every Canadian home buyer.
FHSA Calculator — First Home Savings Account
The First Home Savings Account (FHSA) lets Canadians save up to $40,000 tax-free for their first home. Contributions are tax-deductible like an RRSP, and withdrawals for a first home purchase are tax-free like a TFSA. Plan your contributions and maximize this powerful savings vehicle.
Rent vs Buy Calculator for Canada
Should you rent or buy a home? Compare the true total cost of renting vs buying including mortgage payments, property taxes, maintenance, opportunity cost of your down payment, home appreciation, and investment returns. Make an informed decision based on your local market.
RESP Calculator with CESG Grants
Plan your child's education with a Registered Education Savings Plan (RESP). Our calculator includes Canada Education Savings Grant (CESG) matching — get 20% on the first $2,500 you contribute each year. Maximize free government money for your child's future.
Canadian Tax Calculator 2026
Estimate your 2026 federal and provincial income tax with up-to-date tax brackets for all 10 provinces and 3 territories. Includes CPP2 contributions, EI premiums, RRSP deductions, and basic personal amount. Essential for tax planning and salary negotiations.
Capital Gains Tax Calculator Canada
Calculate capital gains tax on stocks, real estate, and investment property sales. Understand the 50% inclusion rate, principal residence exemption, and how capital gains affect your tax bill. Essential for investors and property owners across Canada.
RRSP vs TFSA Optimizer
Should you contribute to your RRSP or TFSA first? Compare tax-sheltered growth side-by-side based on your current tax bracket, expected retirement income, and contribution room. Maximize your Canadian retirement savings with the right strategy.
CPP and OAS Calculator
Estimate your Canada Pension Plan (CPP) and Old Age Security (OAS) retirement benefits. Compare taking CPP early at 60 vs waiting until 70 for a 42% increase. Plan when to start your government pensions to maximize lifetime income.
GIC Ladder Calculator
Build a GIC ladder strategy with staggered maturity dates to balance higher interest rates with liquidity. Perfect for conservative Canadian investors who want guaranteed returns with regular access to funds.
Compound Interest Calculator
Visualize the power of compound interest over time. See how regular contributions and time in the market can grow your wealth. Perfect for TFSA planning, RRSP projections, and long-term investment strategies.
Debt Payoff Calculator — Avalanche vs Snowball
Compare debt payoff strategies for credit cards, student loans, and lines of credit. The avalanche method minimizes interest; the snowball method builds momentum. Find the best strategy to become debt-free faster.
Business Valuation Calculator for Canada
Value a small business using DCF (discounted cash flow), comparable multiples (EBITDA, revenue), and asset-based approaches. Includes industry rules of thumb and goodwill calculations. Essential for Canadian business owners, buyers, and M&A professionals.
M&A Deal Analyzer
Analyze mergers and acquisitions with accretion/dilution modeling, financing mix optimization, and synergy calculations. Model all-cash, all-stock, and mixed consideration deals. Professional-grade M&A analysis for Canadian transactions.
All calculators are 100% free, no sign-up required, and fully privacy-protected — all calculations run in your browser. Your financial data never leaves your device.
Got questions?
Questions? Suggestions? Feedback?
We'd love to hear from you. Whether you have feedback on our calculators or questions about Canadian personal finance, we're here to help.
Get in Touch →Business Valuation Calculator
Estimate business value using DCF, comparable multiples, and asset-based approaches.
Assumptions
📚 Recommended Resources
As an Amazon Associate, FiggyBank earns from qualifying purchases.
Canadian Mortgage Calculator
Calculate payments with OSFI stress test, land transfer tax, and complete amortization schedule.
Mortgage Details
📚 Recommended Resources
As an Amazon Associate, FiggyBank earns from qualifying purchases.
Investment Returns Calculator
Calculate CAGR, simulate dollar-cost averaging, and project portfolio growth over time.
Investment Details
RRSP vs TFSA: Which Wins for You?
Personalized comparison based on your income, province, and retirement plans. See the real numbers.
📚 Recommended Resources
As an Amazon Associate, FiggyBank earns from qualifying purchases.
Compound Interest Visualizer
See the magic of compound growth. Small contributions today become extraordinary wealth tomorrow.
Enter an interest rate to see how long it takes to double, or enter a target doubling time to find the required rate.
📊 Compare Scenario B
📚 Recommended Resources
As an Amazon Associate, FiggyBank earns from qualifying purchases.
M&A Deal Analyzer
Accretion/dilution analysis, synergy modeling, and deal structuring.
Acquirer
Target
Deal Structure
Synergies
📚 Recommended Resources
As an Amazon Associate, FiggyBank earns from qualifying purchases.
Startup Runway Calculator
Calculate your burn rate, runway, and break-even point. Plan with multiple scenarios.
📥 Financial Inputs
👥 Hiring Plan
📊 Monthly Cash Balance Projection
📚 Recommended Resources
As an Amazon Associate, FiggyBank earns from qualifying purchases.
Net Worth Tracker
Track your complete financial picture. Save snapshots to monitor progress over time.
📈 Assets
📉 Liabilities
🥧 Asset Allocation
📸 Snapshots
📈 Net Worth Over Time
📚 Recommended Resources
As an Amazon Associate, FiggyBank earns from qualifying purchases.
Lease vs Buy Calculator
Compare the total cost of leasing versus buying a vehicle over the same period.
Vehicle & Lease
Buy Financing
Running Costs Difference
📚 Recommended Resources
As an Amazon Associate, FiggyBank earns from qualifying purchases.
Canadian Tax Estimator
Estimate your 2025 federal and provincial income tax across all 10 Canadian provinces.
📚 Recommended Resources
As an Amazon Associate, FiggyBank earns from qualifying purchases.