Every tool, one page

All Canadian financial calculators

Mortgages, affordability, financing, land transfer tax, GST/HST/PST, income taxes, take-home pay, retirement income, investing and debt payoff — every calculator on the pad, laid out end to end. Pick your province or territory once and each tool recalculates against the rules that apply to you.

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%

Property Pad

1

Mortgage Affordability

Maximum purchase price using Canadian GDS (39%) and TDS (44%) lending ratios, stress-tested — Ontario.

$
$
$
$
%
yrs
$

Maximum home price

$399,629

Mortgage required

$349,139

Includes CMHC premium where applicable

Qualifying (stress-test) rate6.79%
GDS ceiling — 39% of gross monthly$3,088 / mo
TDS ceiling — 44% less debts$2,883 / mo
Housing budget used$2,883 / mo
Your down payment$60,000 · 15.0%
Minimum legal down payment$19,981
Price ceiling set by your down payment$850,000
CMHC premium included$9,510
Reviewed for 2026Rates from CRA and provincial finance ministriesHow we calculate
2

Canadian Mortgage Payment

Fixed-rate payments compounded semi-annually, as required by Canadian law — plus CMHC insurance.

$
$
%
yrs

Monthly payment

$2,962.48

Accelerated bi-weekly

$1,481.24

26 payments a year — shaves years off the amortization

Semi-monthly (24×/yr)$1,479.78
Standard bi-weekly (26×/yr)$1,365.85
Down payment20.0%
CMHC insurance premium$0
Total mortgage principal$520,000
Total interest over full amortization$368,745
Minimum down payment for this price$40,000
Reviewed for 2026Rates from CRA and provincial finance ministriesHow we calculate
3

Land Transfer Tax & Closing Costs

Ontario land transfer tax rates plus the usual cash-on-closing line items.

$
$

Land transfer tax payable

$9,475

Total cash needed on closing

$13,500

Ontario land transfer tax$9,475
Toronto MLTT$0
First-time buyer rebate− $0
Legal fees$1,800
Home inspection$500
Title insurance$350
Appraisal$400
Statement adjustments$975
Total closing costs$13,500
Reviewed for 2026Rates from CRA and provincial finance ministriesHow we calculate

Tax & Pay Pad

4

Sales Tax (GST / HST / PST)

Ontario charges 13% — harmonized HST.

$

Total with tax

$113.00

Tax portion

$13.00

Pre-tax subtotal$100.00
HST (13%)$13.00
Total$113.00
Reviewed for 2026Rates from CRA and provincial finance ministriesHow we calculate
5

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

Federal income tax$11,318
Ontario income tax$4,912
CPP contributions (5.95%)$4,230
CPP2 on earnings over $74,600 (4%)$416
EI premiums (1.63%)$1,123
Total deductions$21,999
Average tax rate25.9%
Marginal tax rate29.65%
Reviewed for 2026Rates from CRA and provincial finance ministriesHow we calculate
6

CPP & OAS Retirement Estimator

Estimated monthly government retirement income using current 2026 CPP and OAS payout rates.

yrs
$
yrs
yrs

Combined monthly benefit

$1,933.47

Annual government income

$23,202

Estimated CPP$1,181.50 / mo
Estimated OAS (65–74)$751.97 / mo
Estimated OAS from age 75 (+10%)$827.17 / mo
No age adjustment0.0%
Maximum CPP at 65 (reference)$1,507.65 / mo
OAS clawback starts at net income$93,454
Reviewed for 2026Rates from CRA and provincial finance ministriesHow we calculate
7

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

Combined small business rate11.20%
Combined general rate26.50%
Income taxed at small business rate$250,000
Income taxed at general rate$0
Effective corporate rate11.20%
Reviewed for 2026Rates from CRA and provincial finance ministriesHow we calculate

Wealth & Debt Pad

8

TFSA Compound Growth

Tax-free growth on your contributions — nothing here is clawed back by the CRA.

$
$
%
yrs

Balance after 25 years

$424,980

Tax-free investment growth

$264,980

Total contributed$160,000
This year's TFSA dollar limit$7,000
Growth earned$264,980
Reviewed for 2026Rates from CRA and provincial finance ministriesHow we calculate
9

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

Top marginal rate29.65%
This year's contribution room (18% cap)$17,100
Annual RRSP dollar limit$33,810
Refund as a share of contribution29.6%
Reviewed for 2026Rates from CRA and provincial finance ministriesHow we calculate
10

Credit Card Debt Payoff

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

Interest paid — minimums only$14,724
Interest paid — fixed payment$3,450
Interest saved by paying a fixed amount$11,274
Reviewed for 2026Rates from CRA and provincial finance ministriesHow we calculate
11

Lease vs. Buy a Vehicle

Compare the true cost of leasing against financing, including sales tax and what the car is still worth at the end.

$
mo
$
%
$
$
% of price

Leasing costs less over the term

$4,021

Financed monthly payment

$1,133

Buying — financed

Price with 13% sales tax$50,850
Total interest paid$7,524
Cash out over 48 months$58,374
Less resale value of the vehicle− $23,400
Net cost of buying$34,974

Leasing

Monthly payment with sales tax$598
Up-front cash with sales tax$2,260
Net cost of leasing$30,953

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.

Reviewed for 2026Rates from CRA and provincial finance ministriesHow we calculate