Tools & Calculators
Free Canadian financial calculators for tax planning, payroll, retirement savings, and business decisions. Calculate your take-home pay, compare RRSP vs TFSA, find your contribution room, plan RESP withdrawals, and more. Built for individuals, freelancers, and small business owners across all provinces.
Free Canadian salary vs dividend calculator for incorporated business owners. Compare take-home pay, tax costs, RRSP room, and CPP benefits to find your optimal compensation strategy.
See your take-home pay after federal and provincial taxes, CPP, and EI. Enter salary or hourly wage with optional RRSP and benefit deductions.
Self-Employment Tax Calculator
Calculate income tax and CPP contributions for freelancers, contractors, and small business owners. Covers all provinces with 2025 tax rates.
Calculate your net pay after federal and provincial taxes, CPP, and EI. Works for all provinces including Ontario, BC, Alberta, and Quebec.
Add sales tax to any price or calculate the pre-tax amount. Covers all provinces including Ontario HST, BC PST, Quebec QST, and more.
Employer Payroll Cost Calculator
Discover the true cost of hiring an employee beyond their salary. Calculate employer CPP, EI, vacation pay, benefits, and WSIB to understand your total payroll burden.
Home Office Deduction Calculator
Calculate deductible expenses for self-employed or employees working from home. See your business-use percentage and estimated tax savings.
Calculate gross and net margins, understand markup vs margin, and find the right price to achieve your target profitability.
Compare both accounts based on your income and see which gives you more money after taxes. Understand how tax brackets affect your retirement savings choice.
Find out how many units you need to sell to cover your costs. Calculate your contribution margin, margin of safety, and profit targets.
TFSA Over-Contribution Penalty Calculator
Check if you exceeded your TFSA limit, calculate your contribution room, and see how much you may owe in penalty tax at 1% per month.
Project your Tax-Free Savings Account balance over time and see how much more you keep compared to a taxable investment account.
TFSA Contribution Room Calculator
Find out how much you can contribute to your Tax-Free Savings Account based on your age, residency, contributions, and withdrawals.
TFSA vs Non-Registered Accounts Calculator
Compare tax-free investing to taxable accounts and see how much more you keep over time with a TFSA.
TFSA Retirement Income Projector
Calculate how much tax-free monthly income your TFSA can provide in retirement based on your savings, growth rate, and retirement timeline.
Incorporated vs Sole Proprietor Comparison Tool
Compare total taxes, liability protection, CPP, RRSP room, and admin costs to decide the best structure for your Canadian business.
RRSP Contribution Room Calculator
Calculate your RRSP limit based on earned income, carryforward room, and pension adjustments. See your potential tax refund.
RRSP Withdrawal Tax Calculator
Calculate withholding tax, see your actual tax rate, and find out if you will owe more at tax time or receive a refund.
Analyze whether borrowing to contribute to your RRSP makes sense. Compare your tax refund against interest costs and see the net benefit.
Find out how much to save monthly for your child’s education. See how CESG grants and investment growth help you reach your target.
Calculate your CESG on RESP contributions. See Basic CESG, Additional CESG for lower incomes, carry-forward grants, and lifetime limit status.
RESP Withdrawal Tax Calculator
Calculate tax on EAP (grants and growth) based on student income. See how tuition credits and low income make RESP withdrawals nearly tax-free.