Free Canadian Finance Calculators
Built for Canadian rulesClear, practical tools for the money decisions that deserve more than a rough guess.
Choose a calculator
Four tools. No sign-up.
Mortgage Penalty Calculator
Find out what it really costs to break your Canadian mortgage early: IRD vs three months' interest, plus refinance break-even.
Freelance Tax Estimator
Estimate your 2026 Ontario freelance income tax, CPP contributions, and take-home pay.
Rent vs Buy Calculator
The true cost of buying vs renting in Canada, with CMHC premiums, land transfer tax, and year-by-year comparison.
Ontario Land Transfer Tax Calculator
Provincial and Toronto land transfer tax with first-time buyer rebates, bracket by bracket.
From the blog
Mortgage Penalties in Canada: IRD vs Three Months' Interest
How lenders actually calculate your penalty, and five ways to shrink it.
Freelancer Taxes in Ontario (2026)
Brackets, double CPP, quarterly instalments, and how much to set aside.
Renting vs Buying in Toronto: The Real Math
The 5% rule, opportunity cost, and when buying actually wins.
Ontario Land Transfer Tax: 2026 Guide
Brackets, Toronto's double tax, and first-time buyer rebates explained.