Free Tools

Interactive calculators for Canadian personal finance — from picking between TFSA and RRSP to projecting ETF growth and planning retirement withdrawals. Everything runs in your browser with no sign-up required.

Your inputs are saved locally and can optionally sync to your account. Use the search or category filters below to find the right tool for your question.

Featured

Retirement Planner

When can you retire — and how should you spend in retirement? FIRE + withdrawal drawdown in one workflow.

Start with accumulation to find your FIRE age, then plan tax-aware drawdown across TFSA, RRSP, and non-registered accounts.

Investment Planning

Investment Planning

ETF Growth Calculator

Project portfolio growth with lump-sum and monthly contributions at adjustable return rates.

Compare pessimistic, realistic, and optimistic scenarios. Track milestones, see coffee-math extras, and adjust for inflation.

Investment Planning

Portfolio Fee Audit

Calculate blended MER and quantify fee drag vs a low-cost ETF over 10–30 years.

Add your fund holdings, compare against VEQT, XEQT, or a custom target portfolio, and see exactly how much fees are costing you.

Investment Planning

Portfolio Tracker

Enter your holdings and see portfolio value over time with allocation breakdowns.

Add tickers, shares, and account types to see historical performance, allocation by ticker, account, asset class, and region. 90+ tickers with daily prices. Runs in your browser.

Investment Planning

Cost of Waiting

See how much delaying your first investment by 1–12 months costs over decades.

Quantifies the opportunity cost of procrastination — often far greater than picking the "wrong" ETF.

Investment Planning

VEQT vs XEQT Comparison

Compare Vanguard VEQT and iShares XEQT side by side — performance, MER impact, and a decision helper.

Historical normalized returns, geographic allocation charts, 30-year projections, and the honest truth: just pick one.

Investment Planning

Compound Interest Calculator

Visualize how your investments grow over time with compound interest and regular contributions.

Model different scenarios with adjustable principal, monthly contributions, interest rates, and compounding frequencies. Includes year-by-year breakdown.

Retirement

FIRE Calculator

Canadian financial independence calculator with CPP/OAS offsets and Coast FIRE.

Enter expenses, savings rate, and portfolio size to estimate your FIRE number, years to FIRE, and age you could retire early.

Withdrawal Strategy Planner

Retirement drawdown sequencing across TFSA, RRSP/RRIF, and non-registered accounts.

Optimize withdrawal order by age, factor in CPP/OAS and RRIF minimums, and see when your money runs out.

OAS Benefits Calculator

Estimate Old Age Security payments and the 15% recovery tax clawback based on net individual income.

Visualize how OAS phases out above the clawback threshold. Includes residency fraction, deferral bonus, and age 75+ rates.

Account Strategy

Account Strategy

Investment Account Selector

TFSA vs RRSP vs FHSA vs non-registered — where should your next dollar go?

Answer a few questions about income, goals, and contribution room. Get a prioritized recommendation with plain-language reasoning.

Account Strategy

RRSP vs TFSA vs Unregistered

Compare what you actually keep after tax in RRSP, TFSA, and unregistered accounts over decades.

The government buys a stake in your RRSP at your marginal rate. Compare all three account types side-by-side with year-by-year breakdown.

Account Strategy

TFSA Room Calculator

Calculate your available Tax-Free Savings Account contribution room based on your age and history.

See your full contribution history year by year, factoring in age eligibility and residency requirements. Works for any year from 2009 to 2026.

Other

CCB Estimator

Estimate Canada Child Benefit payments based on family net income and number of children.

Two-tier phase-out chart with RRSP impact overlay. See how contributions lower AFNI and increase your benefit.

Canadian Tax Calculator

Estimate your 2025/2026 federal and provincial income tax for all Canadian provinces and territories.

Covers Ontario, BC, and Alberta for 2025-2026. Includes RRSP deductions, capital gains, and shows marginal vs average tax rates.

VDOT Running Calculator

Find your VDOT score, Jack Daniels training paces, equivalent race times, and runner percentile.

Based on Jack Daniels' formula. Enter any race distance PB and get training paces, equivalent times, and your percentile among real runners.

Baby Cost Calculator

Project the real cost of a baby over the first 2–3 years — diapers, daycare, gear, and more.

Fully customizable item list with real Canadian cost data. Add/remove items, adjust quantities, and see cumulative costs charted over time.