Guides
Every calculator has a guide behind it: a summary at the top, the key facts for 2026, how the math works with a worked example, and the official sources at the bottom for anyone who wants to check.
Financial planning
- My money planEnter what you earn, what you spend and what you are saving for. Get a monthly plan: emergency fund, debts, and each goal in the right account, with growth charts and calculated tips.
- Goal savings plannerThe monthly deposit that reaches your goal by its date, the right account for the money (savings, GIC ladder or TFSA) and why, plus a set-up checklist.
- RRSP vs TFSA vs FHSACompare the after-tax value of the same contribution in an RRSP, TFSA or FHSA using your real 2026 marginal tax rate and your expected rate in retirement.
- Prepay vs investCompare extra mortgage payments against investing the same money in a TFSA, RRSP or taxable account over your horizon, with the break-even return.
Income & tax
- Take-home paySee your 2026 after-tax pay in every province and territory, with federal and provincial tax, CPP/QPP, EI and QPIP broken out per paycheque.
- Income tax estimatorEstimate your 2026 federal and provincial income tax, your refund or balance owing, and your marginal and average rates, with RRSP and FHSA deductions.
- RRSP refundSee exactly how much tax an RRSP contribution saves you in 2026 based on your income and province, plus the real after-refund cost of contributing.
- Contract vs full-timeCompare a contract rate with a full-time salary after tax, CPP, benefits, employer match and unpaid time off, and find the hourly rate that truly matches.
- Self-employed taxEstimate income tax and both halves of CPP on your 2026 net business income in any province, with instalment and GST/HST registration flags.
- Salary vs dividendsCompare paying yourself salary or non-eligible dividends from your corporation: corporate tax, personal tax, CPP, net cash and RRSP room, by province.
- Capital gains taxTax on selling a cottage, rental, stocks or a business: the 50% inclusion rate at your marginal rate, the principal residence exemption formula and the lifetime capital gains exemption.
- Bonus taxHow much of a bonus or commission you keep after tax, CPP and EI, and why the deduction on your bonus cheque looks so high.
- Severance taxTax withheld and actually owed on a severance package or retiring allowance, the amount you can roll into an RRSP without room, and what you take home.
- Newcomer taxTax for your first part-year in Canada with prorated credits, plus your TFSA, RRSP and FHSA room as a new resident.
Saving & retirement
- TFSA roomWork out your total TFSA contribution room for 2026 from your birth year, when you became a resident, and what you have contributed and withdrawn.
- CPP start ageCompare taking CPP at 60, 65, 70 or any age in between: monthly amount, lifetime total to your life expectancy, and the break-even ages, in today's dollars.
- OAS clawbackSee how much Old Age Security you lose to the recovery tax at your income, for the current payment period and the next one, with deferral and the 75+ increase.
- GIC vs HISACompare the after-tax value of a GIC and a high-interest savings account at your marginal rate, in a taxable account or a TFSA, with the break-even savings rate.
- CPP + OAS plannerFind the CPP and OAS start ages that give you the most after-tax income for life, including the OAS clawback and your other retirement income.
- Withdrawal orderSimulate drawing your retirement savings RRIF-first, TFSA-first or blended, with RRIF minimums, income tax and the OAS clawback, to see which leaves the biggest estate.
- RRIF minimumYour required RRIF withdrawal for 2026 from your balance and age (or a younger spouse's), the tax withheld on extra amounts, and a year-by-year projection.
- Compound interestSee what a starting amount plus monthly savings grows to at any return, with the effective rate, doubling time, a year-by-year table and what each input changes.
Housing
- Mortgage paymentCalculate your Canadian mortgage payment with semi-annual compounding, any payment frequency, CMHC insurance and a full amortization schedule.
- Land transfer taxCalculate land transfer tax and registration fees for any province, including Toronto's municipal tax, Montreal and Quebec City rates, and every first-time buyer rebate for 2026.
- New-home HST rebateSee the GST or HST on a newly built home and every rebate that cuts it: the first-time buyer rebate up to $50,000, Ontario's rebates up to $130,000, Nova Scotia and Quebec.
- Renewal shockSee your balance at renewal and how much your payment changes at a new rate, the extra interest over the next term, and what extending the amortization would do.
- Rent vs buyCompare your net worth after renting and investing versus buying, year by year, with CMHC insurance, land transfer tax, property tax, maintenance and selling costs.
Everyday money
- Canada Child BenefitEstimate your monthly CCB for July 2026 to June 2027 from your family income and children's ages, including the child disability benefit and shared custody.
- Loan paymentMonthly payment and total interest on a car or personal loan at any rate and term, with a side-by-side table of 24 to 84 month terms.
- Credit card payoffHow long it takes to pay off a credit card balance at a fixed monthly payment versus minimum payments only, and what the interest costs.
- RESP and CESGProject an RESP to age 18 with the 20% Canada Education Savings Grant, catch-up room, the additional grant and Canada Learning Bond for lower incomes, and Quebec and BC grants.
- Car loanMonthly, bi-weekly or weekly car payment with sales tax for your province, trade-in, down payment and fees, total interest by term, and promo rate versus cash rebate.
- Calcul des taxes (FR)Calculez la TPS, la TVQ, la TVH et la TVP sur un prix, ou retirez les taxes d’un montant total, pour le Québec et chaque province, aux taux de 2026.
- Sales taxAdd or remove GST, HST, PST, RST and QST for any province or territory at the 2026 rates, with the tax-included and tax-excluded amounts.
- Vacation and stat payMinimum vacation pay (4%, 6% or 8%) and statutory holiday pay under each province's, territory's and the federal employment standards rules.
Policy guides: what changed in 2025 and 2026
- The Underused Housing Tax is gone for 2025 onward. Here is what still appliesNo UHT return or payment is needed for 2025 and later years. Returns for 2022, 2023 and 2024 are still owed, with penalties. Who was affected and what to do now.
- Ontario's $130,000 new-home HST rebate: who gets it, when, and howFor agreements signed April 1, 2026 to March 31, 2027, Ontario removes the full 13% HST on new homes up to $1 million. The rules, the phase-out points and how to claim.
- Buying a home in Canada as a non-resident: the ban until 2027 and the provincial taxes that stayThe federal foreign buyer ban runs to January 1, 2027 and is under review. Ontario's 25% tax (35% in Toronto), BC's 20% and Nova Scotia's 10% apply regardless. Exemptions and how each is charged.
- Every first-time home buyer program in Canada for 2026, stackedThe GST rebate, FHSA, the $60,000 Home Buyers' Plan, the $1,400 tax credit, 30-year mortgages, the $1.5 million insured cap, and each province's land transfer relief, with what each is worth.
- The first-time home buyers' GST rebate: up to $50,000 back on a new homeBill C-4 is law: first-time buyers get 100% of the GST back on a new home up to $1 million, phasing out at $1.5 million. Eligibility, dates, forms and how to claim.