Built for Canada, updated for 2026
Every calculator uses current 2026 federal and provincial figures — tax brackets, basic personal amounts, CPP/QPP, EI and QPIP. Calculations run in your browser, so nothing you type ever leaves your device.
Most popular
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Take-home pay
Net salary after tax, CPP & EI, any province.
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Credit card payoff
How long to clear a balance — and the payment to beat it.
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Income tax
Federal + provincial tax owed.
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Mortgage payment
Canadian semi-annual compounding.
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Struggling with high-interest debt?
Our payoff tools show the fastest, cheapest way out — including the uncomfortable numbers, like what paying only the minimum really costs, and when consolidating leaves you worse off. Free to use, nothing to sign up for.
Paycheck & income tax
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Take-home pay
Net salary after tax, CPP & EI.
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Income tax
Tax owed by province.
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⏱️
Hourly ↔ salary
Convert wage to annual pay.
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🎁
Bonus tax
Tax on a bonus or lump sum.
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Capital gains tax
Tax on investment & property gains.
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Overtime pay
Time-and-a-half & total pay.
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Self-employed tax
Tax plus both halves of CPP/QPP.
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Debt & loans
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Credit card payoff
Time and interest to zero.
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Debt snowball
Payoff order, smallest first.
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❄️
Snowball vs avalanche
Which method clears debt faster.
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Loan payment
Monthly payment & total interest.
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Car loan
Payment incl. tax & trade-in.
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Minimum payment trap
What paying the minimum really costs.
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Debt consolidation
Compare one loan vs your current debts.
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Student loan
Repayment time & interest.
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Savings & retirement
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RRSP tax savings
Refund at your marginal rate.
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FHSA
First-home savings growth & refunds.
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Compound interest
How savings grow over time.
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TFSA growth
Included in the take-home tool.
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RESP
Education savings + CESG grant.
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Savings goal
How much to save each month.
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Sales tax & home
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GST / HST
Add or remove sales tax by province.
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Mortgage payment
Payments & total interest.
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Land transfer tax
Closing cost by province, incl. Toronto.
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Mortgage affordability
How much house you can afford.
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Mortgage renewal
Payment shock at your new rate.
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Mortgage prepayment
Lump sums & accelerated payments.
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Guides
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RRSP vs. TFSA
Which account to use, and when.
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How take-home pay works
Tax, CPP & EI on your paycheque.
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Snowball vs. avalanche
The fastest way out of debt.
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