Plain Canadian finance, calculated correctly.
Free calculators for mortgages, taxes, and Canadian retirement plans. Every number verified against primary government sources.
Browse by category
- MortgagePayment, stress test, affordability, CMHC, penalties, refinance.
- TaxIncome tax (federal + provincial), capital gains, GST/HST/PST.
- RetirementRRSP, TFSA, FHSA, RESP, CPP, OAS, RRIF withdrawals.
- InvestmentCompound interest, ROI, dollar-cost averaging, RRSP vs TFSA.
- LoansPersonal loan, car loan, debt payoff, credit card payoff.
- Real estateLand transfer tax (BC, ON, AB), property tax, rent vs buy.
- SalaryTake-home pay, hourly to annual, by city and province.
- BenefitsCanada Child Benefit, EI, GIS, OAS clawback.
Most-used calculators
- Mortgage payment calculator
- Mortgage stress test calculator
- Mortgage affordability calculator
- CMHC insurance calculator
- BC Property Transfer Tax calculator
- Ontario land transfer tax calculator
- RRSP contribution calculator
- TFSA contribution room calculator
- Income tax calculator (Canada)
- Capital gains tax calculator
- Take-home pay calculator
How LoonieCalc works
Every figure traces back to the CRA, OSFI, Bank of Canada, CMHC, Statistics Canada, or the relevant provincial finance ministry. See the complete sources index.
Calculators are reviewed against their primary sources every quarter and within 7 days of major rule changes (Bank of Canada rate decisions, OSFI bulletins, CRA announcements, provincial budgets). See the methodology.
LoonieCalc is a calculation utility. It reports what the formulas say given your inputs and current Canadian rules. For advice on what to do with that information, talk to a licensed professional. See the disclaimer.