Free financial calculators for Canadians

Simple tools to help you plan, all in Canadian dollars and free to use. We are adding more over time.

Find out if your savings can coast to retirement on their own, using Canadian assumptions and dollars.

Work out your financial independence number and target date.

See how part-time income changes the savings you need to step back from full-time work.

Find the smaller portfolio a frugal, low-spending retirement needs in Canada.

Find the larger portfolio a comfortable, high-spending retirement needs in Canada.

Add up your assets and debts to find your net worth.

Work out your Canadian mortgage payment or how much home you can afford, with CMHC insurance, the stress test, and semi-annual compounding.

Split your take-home pay into fixed costs, investments, savings, and guilt-free spending, and check it against Ramit Sethi's target ranges.

See how long your savings last in retirement, or how much you can spend, with CPP and OAS included — in today's Canadian dollars.