Canadian money,
made simple.
18 free calculators and guides covering the money decisions Canadians face โ from your first ETF to your mortgage, your paycheque, and retirement.
Investing & ETFs
Grow your money and keep more of it.
-
ETF Portfolio
Build a model portfolio from common Canadian-listed ETFs and project its long-term value, inflation-adjusted growth, historical drawdown, and income tax-character.
Open โ -
Compound Interest
See how an investment grows with regular contributions and compounding โ with an inflation-adjusted โtodayโs dollarsโ view.
Open โ -
Investment Fees
See what a fundโs MER really costs you over a lifetime โ compare a high-fee fund against a low-cost ETF and watch the gap compound.
Open โ -
Norbert's Gambit
Convert CADโUSD cheaply using DLR/DLR.U instead of your brokerโs currency-exchange fee. See your savings and the break-even amount.
Open โ
Registered accounts
TFSA, RRSP, FHSA and RESP โ used right.
-
TFSA
Estimate your Tax-Free Savings Account contribution room and project tax-free growth.
Open โ -
RRSP
Project your RRSP growth and the yearly tax refund your contributions generate.
Open โ -
FHSA
First Home Savings Account: tax-deductible contributions plus tax-free growth for a first home.
Open โ -
RESP
RESP growth including the 20% CESG government grant match for a childโs education.
Open โ
Tax & paycheque
What you actually keep.
Home & debt
Mortgages and getting debt-free.
-
Mortgage
Mortgage payments done the Canadian way (semi-annual compounding): see principal vs interest, your balance at renewal, and how much accelerated payments save you.
Open โ -
Affordability
How much home can you afford? Estimate your maximum mortgage and price from your income using the Canadian stress test and the GDS/TDS debt-ratio rules lenders apply.
Open โ -
Rent vs Buy
Compare the long-run cost of renting and investing the difference against buying a home โ including appreciation, mortgage interest, and the opportunity cost of your down payment.
Open โ -
Land Transfer Tax
Calculate land transfer tax for every province โ including Torontoโs and Montrรฉalโs municipal taxes, first-time-buyer rebates, and the provinces that charge only registration fees.
Open โ -
Debt Payoff
Compare the snowball and avalanche methods on your real debts: how fast youโd be debt-free and how much interest each approach costs.
Open โ
Retirement & planning
Make your money last.
-
Retirement Drawdown
How long will your savings last in retirement? Model inflation-adjusted withdrawals and see what a sustainable (4%-rule) withdrawal looks like.
Open โ -
Inflation
See how inflation eats the value of money over time โ what a sum today will be worth in the future, and what youโd need to keep the same buying power.
Open โ -
CPP/OAS Timing
Should you take CPP and OAS early or wait? Compare the monthly amount and lifetime total at each start age (60โ70), and find the break-even age for your situation.
Open โ
Learn
How money actually works in Canada โ fees, investing, accounts, mortgages and tax.
-
Land Transfer Tax in Canada โ What You'll Pay in Every Province
Land transfer tax is usually the biggest closing cost when you buy a home in Canada, and it ranges from $0 in Alberta to tens of thousands in Toronto. Here's how it works in each province, and every first-time-buyer rebate.
Read โ -
The Power of Compound Interest (and the Rule of 72)
Compound interest is how money grows on its own โ returns earning returns. Here's why time matters more than amount, plus the Rule of 72 mental shortcut.
Read โ -
Inflation in Canada: The History, the Outlook, and Your Cash
Inflation quietly shrinks what your money can buy. Here's how it works, Canada's track record, why cash left alone loses value, and what to do about it.
Read โ -
Rent vs Buy: The Real Math Behind the Decision
"Renting is throwing money away" is the most misleading line in personal finance. Here's how to actually compare renting and buying โ and what really tips the scales.
Read โ -
Active Trading vs Index Investing: Why Most People Should Just Index
Stock-picking and active trading feel like the way to get ahead โ but the evidence says most people do better owning the whole market cheaply. Here's why.
Read โ -
How Credit Cards Actually Work (and How to Use Them Well)
Credit cards are a tool that's brilliant if you understand them and expensive if you don't. Here's how interest, grace periods and rewards really work in Canada.
Read โ