Every tool, one page
All Canadian financial calculators
Pick your province, then run calculators to analyze Mortgage Affordability, Amortization, Income tax and take-home pay, Retirement income, Credit card payoff, Lease vs. Buy analysis and many more. Save different scenarios to compare your results later in My Netpad tab or share Calculations or Charts with others. You can search for your desired calculator using the Find a Calculator box below.
To find out more about Financial terms and instruments please visit our Guides section first.
Step one
Set your province or territory
Every calculator below re-runs instantly against the rates for the jurisdiction you pick.
- Total sales tax (GST/PST/HST)
- 13%
- Lowest income tax bracket
- 19.05%
- Top income tax bracket
- 46.16%
- Small biz corp tax rate
- 11.20%
Find a calculator
Property Pad
Maximum Mortgage you can get
Maximum purchase price using Canadian GDS (39%) and TDS (44%) lending ratios, stress-tested — Ontario.
Maximum home price
$399,629
Mortgage required
$349,139
Includes CMHC premium where applicable
Mortgage Payment Plan
Full payment schedule with prepayments — payments, interest and total cost over your term and over the whole amortization, plus the balance left at renewal.
Regular payment
$2,962.48
Balance at end of term
$458,706
What you renew or pay out at the end of the term
Over the term
Over the amortization period
Principal remaining over the amortization
Monthly Mortgage Payment
Fixed-rate payments compounded semi-annually, as required by Canadian law — plus CMHC insurance.
Monthly payment
$2,962.48
Accelerated bi-weekly
$1,481.24
26 payments a year — shaves years off the amortization
Land Transfer Tax & Closing Costs
Ontario land transfer tax rates plus the usual cash-on-closing line items — every cost below is editable.
Land transfer tax payable
$9,475
Total cash needed on closing
$13,500
FHSA Estimator over time
Tax deduction and tax-free growth inside a First Home Savings Account — deductible going in, tax-free coming out for a qualifying home.
Projected FHSA balance
$46,415
Lifetime tax refund from deductions
$11,860
About $2,372 back each contributing year
Principal Residence Capital Gains
Tax owing when only part of your ownership period qualifies for the principal residence exemption — Ontario rates.
Estimated tax on the sale
$24,375
Net gain after tax
$390,625
The exemption formula credits one bonus year, so a home designated for every year you owned it is fully sheltered. A change of use — renting it out or moving abroad — can also trigger a deemed disposition at fair market value.
HELOC Borrowing Calculator
Credit available against your home equity under OSFI limits — 65% of value revolving, 80% including your mortgage.
Maximum HELOC limit
$220,000
Credit still available
$170,000
Tax & Pay Pad
Sales Tax (GST / HST / PST)
Ontario charges 13% — harmonized HST.
Total with tax
$113.00
Tax portion
$13.00
Income Tax & Take-Home Pay
2026 federal and Ontario brackets with CPP, CPP2 and EI deductions.
Annual take-home
$63,001
Monthly take-home
$5,250
Bi-weekly $2,423
CPP & OAS Retirement Estimator
Estimated monthly government retirement income using current 2026 CPP and OAS payout rates.
Combined monthly benefit
$1,933.47
Annual government income
$23,202
RESP Education Savings over time
Post-secondary savings including the Canada Education Savings Grant — 20% on the first $2,500 you contribute each year.
Projected RESP value
$89,465
Total CESG grants received
$7,200
Lifetime grant maximum is $7,200
You are leaving CESG money on the table — contributing $2,500 a year captures the full $500 annual grant.
Corporate Tax Estimator
Combined federal and Ontario rates, with the $500,000 small business deduction limit applied.
Corporate tax owing
$28,000
Retained after tax
$222,000
Wealth & Debt Pad
TFSA Compound Growth over time
Tax-free growth on your contributions — nothing here is clawed back by the CRA.
Balance after 25 years
$424,980
Tax-free investment growth
$264,980
RRSP Tax Savings
Refund estimate from the CRA at your top combined federal + Ontario marginal bracket.
Estimated tax refund
$2,965
True out-of-pocket cost
$7,035
Credit Card Debt Payoff - fixed payment vs. minimum required
Minimum payments versus a fixed monthly amount — see the interest you keep.
Payoff time — fixed payment
2 yr 7 mo
Payoff time — minimums only
26 yr 4 mo
Lease vs. Finance a Vehicle
Compare the true cost of leasing against financing, including sales tax and what the car is still worth at the end.
Leasing costs less over the term
$4,021
Financed monthly payment
$1,133
Buying — financed
Leasing
Leasing leaves you with no vehicle at the end of the term, while buying leaves you with an asset worth roughly $23,400. Mileage penalties, wear-and-tear charges and buyout fees are not included.