Free Tools

Calculators, no signup required.

Quick, focused tools for one specific question — no need to fill in your whole financial picture first. Want to see any of this alongside your real numbers? The full tool does that.

TFSA

TFSA Growth Calculator

See what a TFSA actually grows to, tax-free, with real contribution room limits built in.

RRSP

RRSP Growth & Refund Calculator

Your real tax refund at your actual bracket — and what reinvesting it, instead of spending it, is really worth.

Investing

Investment Growth Calculator

What capital gains tax actually costs you, compared to sheltering the same growth in a TFSA.

Taxes

Real Tax Bracket Calculator

Your actual marginal and average tax rate, using real 2026 federal and provincial brackets.

Inflation

Inflation & Purchasing Power Calculator

What today's dollar actually buys in 10, 20, 30 years — and what a future dollar is worth today.

RRIF

RRIF Minimum Withdrawal Calculator

The real CRA percentage by age, and how much you're actually required to withdraw this year.

Mortgage

Mortgage Payment Calculator

Your real monthly payment and total interest — plus what 25 vs. 30 years actually costs.

Debt

Debt Payoff Calculator

Highest rate or smallest balance first? Run both on your real debts and see which actually saves more.