Ten calculators, all written against Canadian rules. Nothing you enter is stored or sent anywhere: the arithmetic happens in your browser.
Take-home pay
What a salary actually pays after tax, in every province and territory.
Uses 2026 federal and provincial brackets, CPP or QPP, EI, the Ontario surtax and health premium, and the 16.5% federal abatement that makes Quebec different from everywhere else.
How much house
The price a lender would approve, and which rule is holding it there.
Worked the way a lender works it: the stress test rate rather than your rate, the 39% and 44% debt service limits, and the minimum down payment tiers.
Mortgage payments
What a mortgage costs each month, and what the whole thing costs by the end.
Canadian fixed rate mortgages compound semi-annually by law, not monthly. Using the American convention overstates or understates every payment for twenty five years.
Land transfer tax
The closing cost nobody budgets for, in every province and the cities that add their own.
Thirteen different regimes plus municipal ones on top. The same home costs a Toronto buyer many times what it costs an Alberta buyer.
Rent vs buy
Whether buying beats renting over the years you actually plan to stay.
Counts land transfer tax, the CMHC premium on a low down payment, and the cost of selling, which is where most of the answer lives.
Credit card payoff
How long a balance takes to clear, and what the interest adds up to.
Interest is calculated daily on the balance, the way a card statement does it, rather than once a month on the opening figure.
Balance transfer
Whether moving a balance to a promotional rate is actually cheaper.
Costs the transfer fee, the rate after the promotion ends and the annual fee, against the offers Canadian issuers are running right now.
Debt payoff plan
Several debts at once, ordered smallest balance first or highest rate first.
Shows both orders side by side. Highest rate first always costs less; smallest balance first is finished sooner and more people stick with it.
Line of credit
What a variable rate line of credit costs while you carry it.
Priced against prime, so it moves when the Bank of Canada moves.
RRSP vs TFSA
Which account leaves you with more, given your income now and later.
Uses federal and provincial brackets, and treats the RRSP refund as money that has to be invested for the comparison to hold.
Why Canadian rules matter
A lot of calculators on the internet quietly run American arithmetic on a page written for Canadians. The difference is not cosmetic. A Canadian fixed rate mortgage compounds semi-annually because the Interest Act says so, and running it monthly puts every payment figure slightly wrong for the length of the mortgage. An RRSP comparison that ignores the refund, or treats it as spending money, gets the answer backwards for most people.
Where a rule depends on a number that changes, the number is stated on the calculator along with the date it was checked, so you can see whether it is still current instead of taking it on trust.
Looking for a product rather than a number? Compare 155 credit cards or 245 bank accounts.