Tools

Calculators and tools

Small, free calculators for Canadian money questions. Every one shows its working, links the figures it uses to the government or Bank of Canada page they came from, and runs entirely in your browser — nothing you type is sent anywhere.

Imperium Post · Constants are checked against the primary source on the date shown at the foot of each tool · If a number looks wrong, the page tells you where it came from so you can check it yourself

• Savings · TFSA

  TFSA contribution room calculator

  How much can you put into a TFSA this year? Enter the year you turned 18 (or became a resident), what you have contributed and withdrawn, and see your room from the CRA's annual limits for a continuous-eligibility history. Excess-contribution tax is not calculated.

  Example: eligible since 2015, $40,000 in, $5,000 withdrawn last year → $43,000 of room. Open the TFSA calculator →
• Retirement · OAS

  OAS clawback calculator

  Will the Old Age Security recovery tax take part of your pension? Enter the income year and actual gross OAS to estimate annual repayment and illustrate later withholding, using Service Canada's published figures for income years 2024 to 2026.

  Example: $100,000 of 2025 income, $8,000 gross OAS → $981.90 annual estimate; $81.83 illustrative monthly withholding. Open the OAS calculator →
• Housing · Mortgages

  Mortgage renewal payment calculator

  Your term is ending. Enter the balance, the expiring rate and the lender's offer and see the new payment, the change per month, the interest over the next term, and what happens if you keep paying the old amount — for fixed-rate monthly loans using semi-annual compounding.

  Example: $500,000 at 4% over 25 years; after five years renew at 6% over 20 years → $2,630.10 becomes $3,099.94 monthly. Open the renewal calculator →
• Savings · GICs

  GIC ladder calculator

  Split a lump sum across one- to five-year GICs and see the blended rate, what matures each year, the value after five and ten years, and how the ladder compares with rolling one-year GICs, a single five-year GIC or a savings account. Defaults are the Bank of Canada's weekly posted-rate series; type in your own quotes.

  Example: $50,000 at the dated five-rung defaults → 2.58% average; $1,290 accrued interest in year one before tax. Open the GIC ladder calculator →
• Rates · Bank of Canada

  When is the next Bank of Canada announcement?

  The date and time of the next policy-rate decision, a countdown, the full 2026 and 2027 schedule, a dated policy/prime-rate snapshot. Add the next date to your calendar in one click.

  As of September 14: next decision 28 October 2026, 9:45 a.m. ET, with the Monetary Policy Report. See the schedule →
• Retirement · CPP

  CPP start-age calculator

  Compare statutory age adjustments using the same fixed age-65 estimate, before taxes and contribution-record changes.

  $1,000 at 65 becomes $640 at 60 or $1,420 at 70.Open the CPP calculator →

How these tools are built

Each calculator holds its constants — contribution limits, thresholds, posted rates, announcement dates — in one block at the top of the page with the source URL and the date it was last checked, and the page prints that date at the bottom. Constants do not update automatically. Compare the dated assumptions with the linked source before relying on a result. Results are estimates for planning. The CRA, Service Canada, your lender or your bank calculates the real thing from your actual records, and nothing here is tax, legal or investment advice.

Have a calculation you keep doing by hand? Tell us: the About page has the address.