About CanadianCalc
CanadianCalc is a collection of ten free Canadian finance calculators and plain-English money guides, built specifically for Canadian rules. Most financial tools on the internet are written for the U.S. — wrong tax brackets, wrong mortgage rules, wrong everything. These calculators start from Canadian legislation: Ontario tax brackets and credits, CPP contribution rules, Canadian mortgage penalty law, TFSA contribution room, and provincial land transfer tax schedules.
Every tool is organized by the decision it helps with:
Mortgages & housing
- Mortgage Penalty CalculatorIRD vs three months’ interest, plus your refinance break-even point
- Mortgage Affordability CalculatorHow much home you can afford under Canadian stress-test rules
- Mortgage Payment CalculatorMonthly payment and total interest, with Canadian semi-annual compounding
- Rent vs Buy CalculatorTrue cost of buying vs renting, with CMHC premiums and year-by-year comparison
- Ontario Land Transfer Tax CalculatorProvincial and Toronto land transfer tax, with first-time buyer rebates
Taxes & income
- Freelance Tax Estimator2026 Ontario income tax, CPP contributions, and take-home pay
- Capital Gains Tax CalculatorTax on investments and property sales under Canadian inclusion rules
Saving & investing
- TFSA CalculatorProjected tax-free growth plus your 2026 contribution room
- FHSA CalculatorTax savings and growth projections for first-home savers
Auto
Alongside the calculators, the CanadianCalc blog publishes ten plain-English guides on the topics behind the tools — mortgage penalties, freelance taxes, land transfer tax, TFSA vs RRSP, and the real math of buying a home or a car. The guides are written to stand alone, and each one points back to the calculator that does the arithmetic.
Everything here is free forever, with no sign-up and no account required. The calculators run entirely in your browser — your numbers are never sent anywhere — and the guides are written to be read, not to sell you something.
Disclaimer: For informational purposes only. CanadianCalc.app provides estimates based on current legislation and does not constitute official financial or tax advice.