About LoonieCalc

LoonieCalc is a free Canadian financial calculator utility. Every calculator on the site does one thing: take the inputs you supply, apply a current Canadian rule (a tax bracket, a contribution limit, a stress-test formula, a statutory schedule), and report what the math says. Each page lists the primary government source for every figure it uses and the date the data was last verified.

What LoonieCalc covers

The site organizes its calculators across eight categories:

• Mortgage — payment, OSFI stress test, affordability, CMHC insurance, penalty / IRD, refinance, HELOC.
• Tax — federal and provincial income tax, capital gains (with the post-June-2024 inclusion-rate split), GST/HST/PST.
• Retirement — RRSP, TFSA, FHSA, RESP, CPP retirement benefit, OAS with deferral and clawback, RRIF withdrawals.
• Investment — compound interest, ROI / CAGR, RRSP-vs-TFSA after-tax comparisons.
• Loans — personal loans, car loans, debt-payoff strategies (snowball + avalanche).
• Real estate — land transfer tax for BC, Ontario, and Alberta; property tax; rent vs buy.
• Salary — take-home pay, hourly to annual, by province and pay frequency.
• Benefits — Canada Child Benefit, Employment Insurance, GIS top-up, OAS clawback.

Each category landing page lists the calculators that are live now and the ones planned for the next launch wave.

What LoonieCalc isn't

LoonieCalc is not a tax-filing service, a brokerage, a mortgage broker, a lender, a robo-advisor, or a fiduciary. The site does not submit anything to the Canada Revenue Agency, does not send applications to lenders, does not hold accounts, and does not have access to anyone's CRA My Account, My Service Canada Account, or online banking. The calculators are reference tools, not transaction rails.

LoonieCalc is also not affiliated with the Canada Revenue Agency, the Office of the Superintendent of Financial Institutions, the Canada Mortgage and Housing Corporation, the Bank of Canada, Statistics Canada, Service Canada, or any provincial finance ministry. We cite those authorities; we do not represent them.

The operating company

LoonieCalc is operated by MOST AI Labs Inc., a private corporation incorporated under the British Columbia Business Corporations Act. The company is named on the site only where regulatory disclosure requires it (the Privacy Policy and the Terms of Service). Throughout the rest of the site, content is published in the LoonieCalc brand voice — the goal of an anonymous calculator utility is to make accurate Canadian financial math freely available, not to build a personality-led publication, and the editorial pages reflect that.

How the site is funded

LoonieCalc is funded by display advertising delivered by Google AdSense. We do not currently run paid sponsorships, sponsored posts, or paid product placements, and we have not entered into any affiliate-marketing arrangement. If the funding model changes, the change will be disclosed at the relevant page and on editorial integrity.

How content is made and corrected

The build pipeline, the verification process, and the correction protocol are documented in detail at methodology and editorial integrity. The short version: every numeric claim is grounded in a primary Canadian government source, the data is reviewed quarterly and within seven days of any rule change, and corrections accepted from readers are fixed within seven days with a 90-day footnote.

Get in touch

Source-update tips, calculation errors, and general feedback are welcome. Use the form at looniecalc.ca/contact or email hello@looniecalc.ca directly. We respond within two business days.