40 tools
Baby Cost Calculator
Estimate the real first-year cost of having a baby — gear, diapers, childcare by province, with Canada Child Benefit offset.
Budget Planner
Track income and expenses with mixed billing frequencies, compare to Canadian averages, and get personalized tips.
Canada Child Benefit
Estimate your monthly CCB payments based on family income and number of children.
Canadian Tax Estimator
Estimate your federal and provincial tax, CPP, EI, and see the impact of RRSP contributions.
Car Insurance Coverage Planner
Figure out the coverage you actually need based on your situation and car, get the discounts to ask for, and compare quotes side by side — for any province.
CPP Timing Calculator
Taking CPP at 60 cuts it 36% for life. Waiting to 70 raises it 42%. Compare monthly amounts, lifetime totals, and break-even ages.
Credit Score Simulator
See how paying on time, reducing balances, or missing payments could affect your credit score.
CT Money Calculator
Calculate how much Canadian Tire Money you'll earn on a purchase — with bonus multipliers, Triangle card, and Select membership stacking.
Currency Exchange Comparison
See how much you'd receive exchanging CAD through different methods — no-FX cards, banks, ATMs, and airport kiosks.
Debt Freedom Countdown
Compare avalanche vs snowball strategies and see exactly when you'll be debt-free.
Emergency Preparedness
A financial readiness checklist — emergency fund, insurance, wills, powers of attorney, and digital access.
Executor's Checklist
Every task involved in settling a Canadian estate, phase by phase — with the deadlines and personal-liability traps flagged.
FHSA Calculator
See how much your First Home Savings Account could be worth with tax-deductible contributions and tax-free growth.
Financial Health Score
Take a 10-question assessment and get a score out of 100 with personalized action items.
Government Benefits Finder
Find which Canadian government benefits, credits, and programs you may be eligible for based on your situation.
Home Affordability
Find out how much home you can afford based on your income, debts, and down payment — with stress test and CMHC insurance calculations.
Home Insurance Coverage Planner
Tenant, condo, or homeowner — get a personalized coverage plan, the endorsements your region needs, the discounts to ask for, and a quote tracker.
Home Savings Planner
Plan your path to homeownership using FHSA, HBP, and regular savings — see your timeline to a down payment.
Income Splitting Calculator
See how much your household could save by splitting income between partners — spousal RRSP, pension splitting, and CPP sharing strategies.
Income Tax Calculator
See your marginal brackets and compare take-home pay across all 13 provinces.
Life Event Cost Estimator
How much does a wedding, baby, move, or going back to school actually cost in Canada?
Major Purchase Comparison
New vs used, lease vs buy, extended warranty math, and cost-per-use — make smarter decisions on big purchases.
Marginal Tax Rate Calculator
Your marginal rate is what the next dollar costs; your average rate is what your whole income costs. See both, plus all 13 provinces compared.
Mortgage Renewal Calculator
Compare your current mortgage rate to renewal offers, see payment shock estimates, and calculate savings from negotiating a better rate.
Moving Cost Calculator
Estimate the total cost of moving — DIY vs movers, first/last rent, utility setup, and everything else you'll need.
Net Worth Tracker
Track your assets vs liabilities — TFSA, RRSP, home equity, debts — and watch your net worth grow.
Parental Leave Calculator
Estimate your EI maternity and parental leave benefits, see your income gap, and understand Quebec QPIP rates.
Pay Off Mortgage or Invest?
The classic Canadian money question, settled with your own numbers — compared by net worth at the same date, with your break-even return.
Paycheque Decoder
Enter your salary and see exactly where every dollar goes — federal tax, provincial tax, CPP, EI, and take-home pay.
PC Optimum Points Calculator
Calculate how many PC Optimum points you'll earn at Loblaws, Shoppers, or Esso — with personalized offers and PC Financial card stacking.
Phone Save & Return Calculator
Carrier Save & Return and Bring-It-Back offers are phone leases. Compare returning the phone against financing it or buying outright.
RDSP Grant & Bond Calculator
The RDSP pays up to $3 in government grant for every $1 you contribute. See your grants, bonds, and carry-forward from missed years.
Rent vs Buy Calculator
Compare the true cost of renting vs buying in Canada — with CMHC insurance, land transfer tax, and stress test.
RESP Calculator
Compare 4 RESP strategies — steady contributions, front-loaded, lump sum, or custom. See CESG grants and compound growth over 18 years.
Retirement Calculator
When can you retire? Factor in CPP, OAS, employer pension, and your RRSP/TFSA savings.
RRSP vs TFSA
Should you contribute to your RRSP or TFSA first? Get a personalized recommendation based on your tax bracket.
Self-Employment Tax Calculator
Freelancers and gig workers pay both halves of CPP. See what to set aside from every invoice, plus GST/HST and instalment status.
Student Loan Calculator
Calculate your Canadian student loan repayment timeline, compare paying down 0% federal loans vs investing, and check RAP eligibility.
Subscription Tracker
Track all your recurring charges and find out what you're really spending each year.
TFSA Contribution Room
Calculate your exact TFSA contribution room based on your birth year, previous contributions, and withdrawals. Year-by-year breakdown with over-contribution warnings.