Canadian money calculators

Run the numbers before you decide.

Free calculators built on official Canadian rates (CRA, CMHC, OSFI, ESDC, the Alberta Utilities Commission) and Environment Canada weather data, with every source and assumption listed. Nothing you type leaves your browser.

Home energy (Alberta)

🔥 Winter heating bill

Gas or electric heat, October to April.

⚡ Electricity bill

Month by month, by appliance, with your area's delivery charges.

🏠 Total home energy

Gas plus power in one monthly budget, with dual-fuel discounts.

⚖️ Compare energy providers

Every licensed Alberta retailer, ranked on your usage. No endorsements.

Pay & tax

💵 Take-home pay

After federal and provincial tax, CPP and EI, for every province except Quebec.

⏱️ Real hourly wage

What you actually earn per hour after commute time, vehicle and work costs.

Housing

🏦 Mortgage payment & renewal

Payments with Canadian semi-annual compounding, any frequency, plus the renewal shock.

🔑 How much house can I afford?

Real stress test, CMHC premiums, GDS/TDS 39/44, property tax and heating.

Vehicles

🛻 Lease vs buy vs finance

True 5-year cost, including depreciation and what your cash could earn.

🔍 Is this used vehicle price fair?

Checks the asking price against listings you enter plus published depreciation ranges.

Saving, retirement & debt

📈 RRSP vs TFSA vs FHSA

Where your next dollar keeps the most after tax.

👵 CPP & OAS: when to start

60 vs 65 vs 70: monthly amounts, lifetime totals, break-even age and the clawback.

🧾 Debt payoff: avalanche vs snowball

Months to debt-free and total interest, using your actual debts.