Free Canadian money calculators · 2026 figures
Type your salary. See your whole money picture.
Every figure comes from the CRA, CMHC or the Bank of Canada, updates as you type, and shows its work. No account, no ads.
You take home$5,307 a month
$21,321 a year goes to income tax, CPP and EI. Your employer pays another $2,699 into CPP and EI for you, on top of your salary.
See every paycheque →- A home you could carry$501,000With 20% down, about $2,281 a month at prime (4.45%), stress-tested at 6.45%. Land transfer tax, insurance and closing costs are on the next page.Price a home →
- Your tax rate29.6%on the next dollar. 18.3% of everything you earn goes to income tax.Estimate my tax →
- RRSP refund$2,965back on a $10,000 contribution, so it really costs you $7,035.Try my amount →
- Room to save tax-free this year$30,300TFSA $7,000, FHSA $8,000, and $15,300 of new RRSP room from this salary.Which account first? →
- If you save 10% of your pay$272,000 in 20 years$708 a month at a balanced 4.7% after fees. $170,000 is yours; the rest is growth.Build my plan →
Employment income, 2026 rates, no other deductions. Nothing you type leaves this device.
Buying or owning a home
What it costs to buy, what a renewal does to your payment, and whether buying beats renting where you live.
Everyday money
Cars, cards, sales tax and savings: the numbers you meet every month.
Retirement and pensions
When to start CPP and OAS, what the clawback takes, and which account to draw first.
Work and business
Self-employed, incorporated, paid a bonus or let go: what you keep and what to set aside.