Finance

Calculate monthly payment, total interest, and total cost of any fixed-rate loan — personal, auto, or mortgage — using standard amortization.

Estimate monthly mortgage payment including principal, interest, tax, and insurance.

Project investment growth with initial deposit, monthly contributions, and annual interest.

Find out how long it takes to reach a savings goal with regular monthly contributions.

Calculate return on investment (ROI) and annualized return from initial and final values.

Estimate US take-home pay from gross salary — federal income tax, Social Security, Medicare, and optional state tax.

Calculate sales tax in both directions — add tax to a price or back it out of a total.

Generate a full month-by-month amortization schedule showing principal, interest, and remaining loan balance.

Plan debt payoff with snowball or avalanche method — see exact months to debt-free.

Convert between 30 major world currencies using daily ECB reference rates. Updated every business day.

Estimate total US tax: federal income tax, state income tax (all 50 states + DC), and FICA. See take-home pay, effective rate, and marginal rate.

Calculate the value of a US dollar over time using official BLS CPI-U data. Find what $100 in 1980 is worth today.

Project US retirement savings (401(k), IRA) with employer match, annual contributions, and expected returns. See your balance at retirement age.

Compare renting vs buying a home. Calculates monthly and total cost over your holding period with opportunity cost of the down payment.

Convert annual salary to hourly, weekly, biweekly, and monthly pay — or the reverse. Adjust for hours/week and paid time off.

Calculate your net worth — assets minus liabilities. Categorized breakdown of cash, investments, real estate, vehicles, debts, and loans.

See how long it takes to pay off a credit card balance and how much interest you'll pay. Compare minimum payment vs. fixed monthly payment.

Split monthly take-home pay into 50% needs, 30% wants, 20% savings. See each bucket's dollar amount and plan categories under each.

Estimate Canadian federal + provincial income tax for 2025. All provinces and territories. Shows marginal and effective rates with a per-bracket breakdown.

Estimate 2025 RRSP and TFSA contribution room (Canada). Uses CRA 18% earned-income formula, the $7,000 TFSA limit, and cumulative TFSA carry-forward since 2009.

Run the OSFI B-20 mortgage stress test. See if you qualify at the higher of your contract rate + 2% or 5.25%, plus the maximum mortgage your income supports.

Estimate 2025 Canada Pension Plan (CPP1 + CPP2) deductions on your salary. Includes the YMPE, YAMPE, basic exemption, and employee/self-employed split.

Estimate 2025 Employment Insurance premiums (Canada). Includes federal rate (1.66%) and Quebec reduced rate (1.31%) up to the maximum insurable earnings.

Estimate your 2025 Canadian take-home pay. Combines federal + provincial income tax, CPP/CPP2, and EI premiums for all 10 provinces and 3 territories.

Add or remove GST, HST, PST, and QST on a price for any Canadian province or territory. 2025 rates.

Estimate your FHSA contribution room. $8,000 annual limit, $40,000 lifetime cap, with up to $8,000 carry-forward of unused room.

Project after-tax retirement value of contributing to TFSA vs RRSP. Compares tax brackets now vs in retirement to suggest which account wins.

Visualise the 2025 Canadian federal income tax brackets and see your marginal vs effective rate as income increases.

Compare 2025 provincial / territorial income tax brackets across all 13 jurisdictions. See marginal vs effective rate for any income.

Estimate your 2025 CRA quarterly tax installments using the no-calculation, prior-year, or current-year method. Shows all four quarterly due dates.

Calculate the 2025 Old Age Security recovery tax (OAS clawback). 15% of net world income above $93,454 reduces your OAS pension.

Calculate the 2025 mandatory minimum RRIF withdrawal for any age 71+. Uses CRA's age-based RRIF withdrawal percentage table.

Calculate your emergency fund target from monthly expenses. Covers 3-month to 12-month guidelines and shows the monthly savings rate to reach your goal.

Calculate whether to take CPP at 60, 65, or 70. See lifetime totals, breakeven ages, and which start date wins given your life expectancy.

Compare FHSA and RRSP Home Buyers' Plan for your first home down payment. See tax savings, repayment burden, and the optimal combined $100K strategy.

Estimate EI benefits you would receive if laid off in Canada. Calculate weekly EI amount, maximum weeks payable, and total potential benefit for 2026.

Compare up to 4 loans or mortgage rates side by side. See monthly payment, total interest, total cost, and effective APR for each lender in Canada.