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
Mortgage Affordability
Maximum purchase price using Canadian GDS (39%) and TDS (44%) lending ratios, stress-tested — Ontario.
Maximum home price
$399,629
Mortgage required
$349,139
Includes CMHC premium where applicable
Canadian Mortgage Payment
Fixed-rate payments compounded semi-annually, as required by Canadian law — plus CMHC insurance.
Monthly payment
$2,962.48
Accelerated bi-weekly
$1,481.24
26 payments a year — shaves years off the amortization
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
Tax & Pay Pad
Sales Tax (GST / HST / PST)
Ontario charges 13% — harmonized HST.
Total with tax
$113.00
Tax portion
$13.00
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
CPP & OAS Retirement Estimator
Estimated monthly government retirement income using current 2026 CPP and OAS payout rates.
Combined monthly benefit
$1,933.47
Annual government income
$23,202
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
Wealth & Debt Pad
TFSA Compound Growth
Tax-free growth on your contributions — nothing here is clawed back by the CRA.
Balance after 25 years
$424,980
Tax-free investment growth
$264,980
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
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
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.
Leasing costs less over the term
$4,021
Financed monthly payment
$1,133
Buying — financed
Leasing
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.