Canada Financial Calculators 2025
CRA-accurate calculators for the 2025 tax year. Federal + all 13 provinces and territories. CPP1 + CPP2, FHSA $8K/year, CMHC up to $1.5M. Instant results.
๐งฎ Income Tax Calculator
Federal + provincial tax for all 13 provinces. 2025 brackets with blended 14.5% first bracket. RRSP deductions, CPP/EI.
๐ RRSP Calculator
Contribution room ($32,490 max), tax refund estimate, retirement projection, and RRSP vs TFSA comparison.
๐ฐ TFSA Calculator
Contribution room ($102K cumulative since 2009), tax-free growth projection, and TFSA vs RRSP comparison.
๐ Mortgage Calculator
Semi-annual compounding (Canadian standard). CMHC insurance up to $1.5M, stress test, GDS/TDS affordability.
๐ต Take-Home Pay Calculator
Gross to net for all provinces. CPP1, CPP2, EI deductions. Salary, hourly, and net-to-gross modes.
๐๏ธ CPP Calculator
CPP1 + CPP2 contributions, retirement benefit estimate at 60/65/70, and early vs late comparison.
๐งพ GST/HST Calculator
Add or remove GST/HST by province. Ontario HST 13%, Atlantic 15%, Quebec QST. Small business threshold check.
๐ Capital Gains Tax Calculator
50% inclusion rate (66.67% increase cancelled). Principal residence exemption, LCGE $1.25M for business shares.
๐ FHSA Calculator
First Home Savings Account: $8K/year, $40K lifetime. Tax-deductible + tax-free. Stack with HBP for $100K.
๐ผ Payroll Calculator
Employee paycheck deductions, total employer cost, and contractor vs employee comparison for all provinces.
๐ก๏ธ EI Calculator
EI benefits (55%, max $695/week), premiums, maternity/parental leave. Quebec QPIP comparison.
๐๏ธ Land Transfer Tax Calculator
All 13 provinces. Toronto double tax, BC foreign buyer 20%, first-time buyer rebates.
๐ RESP Calculator
CESG 20% government match ($500/yr), $50K lifetime limit, growth projection and withdrawal plan.
โ๏ธ RRSP vs TFSA Calculator
Lifetime modelling: which account wins for your tax bracket? OAS clawback impact included.
๐ก Home Buyers' Plan Calculator
$60K RRSP withdrawal, 15-year repayment, opportunity cost, FHSA+HBP combo for $100K.
๐ Car Loan Calculator
Monthly payment with provincial sales tax, lease vs buy comparison, 36-84 month term analysis.
๐ฐ Salary Calculator
Hourly to annual conversion, minimum wage comparison for all 13 provinces, overtime calculator.
๐ Mortgage Affordability Calculator
GDS 39%, TDS 44%, stress test. What-if scenarios for rate changes and two-income qualification.
๐๏ธ OAS Calculator
$742/month pension, clawback at $93,454, deferral bonus +36% at age 70. Residency-based.
๐ Debt Payoff Calculator
Snowball vs avalanche, consumer proposal (uniquely Canadian), Criminal Code 35% rate cap.
๐ CMHC Insurance Calculator
Premium tiers (4%/3.1%/2.8%), $1.5M cap (Dec 2024), pay now vs save 20% comparison.
๐ RRIF Calculator
Minimum withdrawal schedule, spouse's age strategy, longevity projection. Must convert RRSP by 71.
๐ฐ Dividend Tax Calculator
Eligible (38% gross-up) vs non-eligible (15%). Dividend tax credits, dividend vs salary for corp owners.
๐๏ธ Rental Income Calculator
T776 rental deductions, CCA Class 1 (4%), incorporate vs personal. Interest deductible, principal is NOT.
๐ถ Child Benefit Calculator
CCB: $7,997 (under 6), $6,748 (6-17). Tax-free. Income impact, RRSP strategy, shared custody.
๐ผ Self-Employed Tax Calculator
CPP ร2, business expenses, home office, vehicle km log. Installments if >$3K. File Jun 15.
๐ณ Personal Loan Calculator
Repayment schedule, debt consolidation comparison, early payoff savings. 35% Criminal Code cap.
๐๏ธ Retirement Calculator
Holistic: CPP + OAS + RRSP/RRIF + TFSA + pension combined. Gap analysis with actionable options.
๐๏ธ GIS Calculator
Guaranteed Income Supplement: ~$1,086/mo max. RRSP reduces GIS, TFSA does NOT. Tax-free.
๐ Budget Calculator
50/30/20 planner with Stats Canada benchmarks. CMHC 35% housing guideline. Savings goal tracker.
๐คฐ Maternity Leave Calculator
EI maternity (15 weeks, 55%) + parental (up to 69 weeks). Quebec QPIP comparison. Top-up employer benefits.
๐ Spousal RRSP Calculator
Income splitting at retirement, 3-year attribution rule, pension income splitting vs spousal RRSP comparison.
๐ฆ Moving Expenses Calculator
CRA-eligible deductions (T1-M), 40km+ rule, temporary housing, travel costs. Students and workers.
๐ข Incorporation Calculator
SBD $500K at ~12.2%, salary vs dividends, integration, passive income $50K threshold, provincial rates.
๐ Property Tax Calculator
Municipal mill rates for major cities, assessment appeals, homeowner grants (BC), rebates by province.
โฟ Crypto Tax Calculator
Capital gains (50% inclusion), ACB tracking, mining/staking as business income, CRA reporting requirements.
โฟ Disability Tax Credit Calculator
DTC: $10,138 federal credit, RDSP eligibility ($200K lifetime), child supplement, retroactive claims up to 10 years.
๐ Student Loan Calculator
NSLSC repayment, RAP eligibility, interest tax credit (15%), OSAP/provincial loan comparison.
๐๏ธ Rent vs Buy Calculator
Canadian-specific: CMHC insurance, land transfer tax, 5-year fixed rates, opportunity cost of down payment.
๐ WFH Deduction Calculator
Flat rate ($2/day, max $500) vs detailed method (T2200). Home office %, utilities, internet, supplies.
๐ผ Workers' Comp Calculator
WCB/WSIB premiums by industry and province. Employer-funded. Claim estimator at 85-90% of net earnings.
๐ Vehicle Expense Calculator
CRA $0.72/km rate, T2200 employee vs T2125 self-employed. CCA Class 10/10.1/54 ZEV write-off.
โ๏ธ Pension Income Splitting Calculator
Form T1032, up to 50% of eligible pension. Optimal split %, OAS clawback reduction at $93,454.
๐ฅ Medical Expense Calculator
3% of income or $2,759 threshold. 12-month flexible period. METC refundable supplement up to ~$1,500.
๐ Ontario Trillium Benefit Calculator
OEPTC + NOEC + OSTC combined. Up to $1,248 energy/property credit. Ontario residents, monthly payments.
๐ Immigration Tax Calculator
Part-year resident rules, deemed acquisition at FMV, T1135 for foreign assets >$100K. Tax treaties.
๐ Mortgage Penalty Calculator
Fixed: greater of IRD or 3-month interest. Variable: 3-month only. Is breaking your mortgage worth it?
๐ฐ Net Worth Calculator
Assets minus liabilities. Stats Canada benchmarks by age (under 35: ~$70K, 55-64: ~$690K). Track growth.
๐ Education Cost Calculator
University and college tuition by province (~$7,500 avg). Funding plan with RESP, loans, scholarships.
๐ก๏ธ Emergency Fund Calculator
Risk-adjusted target (3-12 months). TFSA as ideal vehicle. HISA ~4-5%. CDIC $100K insurance.