The full toolbox
Every calculator, in one place.
Ten free tools for the biggest Canadian money decisions — mortgages, taxes, saving, and car loans. Pick a category below, or jump straight to a tool.
Mortgages & housing
Mortgage Penalty Calculator
IRD vs three months’ interest — find out what breaking your mortgage early really costs.
Mortgage Affordability Calculator
How much home can you afford? Based on Canada’s GDS/TDS rules.
Mortgage Payment Calculator
Monthly payment + total interest, with Canadian semi-annual compounding.
Rent vs Buy Calculator
The true cost of buying vs renting in Canada, side by side.
Land Transfer Tax Calculator
Land transfer tax for every province and territory, bracket by bracket, with first-time buyer rebates.
Taxes & income
Saving & investing
Auto
Frequently asked questions
Are the CanadianCalc calculators free?
Yes. All 10 CanadianCalc calculators are completely free to use, with no sign-up, no account, and no usage limits.
Do the calculators use Canadian rules?
Yes. Every calculator is built for Canadian rules: semi-annual compounding for mortgages, GDS/TDS ratios for affordability, federal and provincial tax brackets with CPP/QPP, the TFSA and FHSA contribution limits, and provincial land transfer taxes.
Is my data private?
Yes. All calculations run in your browser. The numbers you enter are never sent to a server, stored, or shared.
How current is the tax data?
The calculators use 2026 Canadian tax data, including the 2026 TFSA contribution limit of $7,000, current federal and provincial income tax brackets, and CPP/QPP contribution rules.
Disclaimer: For informational purposes only. CanadianCalc.app provides estimates based on current legislation and does not constitute official financial or tax advice.