Tools & Calculators
Explore calculators and simulators to plan smarter money moves. Filter by category or topic.
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Debt Payoff
Compare snowball vs avalanche and build a custom debt payoff plan.
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FHSA Planner
Optimize your FHSA strategy: contribution room, tax savings and transfer options.
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FIRE Pathway
Map your path to financial independence: savings rate, withdrawal rate and timeline.
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HELOC Room
Estimate your available HELOC borrowing room based on home value, mortgage balance, and lender limits.
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Home Purchase Mortgage
Plan your home‑purchase mortgage: down payment, CMHC premium, payments and affordability.
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House affordability
See how much house you can afford based on income, debts, rates and down payment.
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Investment Growth
Project investment growth over time with contributions, fees and returns.
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Loan Calculator
Compute loan payments, total interest and amortization for any loan.
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Mortgage Penalty
Estimate your mortgage prepayment penalty (IRD or three months’ interest) and compare scenarios.
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RRSP Calculator
Estimate RRSP contributions, tax refund and long‑term growth.
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Refinance Breakeven
Find the breakeven point for refinancing after fees and rate changes.
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Smith Maneuver
Simulate the Smith Manoeuvre: debt conversion, tax refunds and long‑term impact.
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TFSA Room
Calculate your TFSA contribution room across years and avoid over‑contributions.
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Take-Home Salary & Tax
Estimate your net pay by province with CPP/QPP, EI/QPIP and tax brackets.