Free money tools, built for Canadians
Start with the question on your mind. Twelve tools turn it into a number, a comparison, or a clear next step—right here in your browser.
- Free, no email
- Nothing leaves your device
- Canadian rules and dollars
Not sure which one you need? Three quick questions and we will point you at the right one. Nothing is saved or sent.
Find the question that sounds like yours
Twelve tools, live and complete, grouped by the decision they help you make. Every answer appears on screen.
Everyday money
Start with what comes in, what goes out, and what the rules change.
Monthly Budget Calculator
Starts from take home pay, not gross. Shows what is left over, your savings rate, housing share and emergency-fund runway.
Where does my money go?
Build my monthly picture →Paycheque Decoder
Turns gross pay into an estimated deposit, with income tax, CPP or QPP, EI and workplace deductions shown separately.
What will actually reach my account?
Decode my pay →Debt Payoff Calculator
Compares avalanche and snowball by payoff date, total interest and the timing of the first cleared balance.
Which balance should I attack first?
Compare payoff paths →Canadian Income Tax Calculator
Estimates 2026 federal and provincial or territorial tax, then shows effective, marginal and bracket rates.
What might I owe in income tax?
Estimate my tax →Canada Benefit Estimator
Maps selected federal and provincial household payments for the 2026–27 benefit year.
What might my household receive?
Estimate benefits →Big decisions and protection
Bring the hidden cash, coverage and paperwork into view.
First Home Readiness
Puts cash to close beside the stress test, GDS and TDS so down payment is never mistaken for the full answer.
Can I buy this home?
Check home readiness →Life Insurance Needs
Compares the household need with personal and workplace coverage already in place.
Would my family be alright?
See the coverage gap →Estate Check Up
Orders the will, authority documents, beneficiaries, dependants and records that need attention.
What is unfinished in my plan?
Check my estate basics →Build the future
Compare the account choice, the growth curve and the date without pretending the future is certain.
RRSP or TFSA Calculator
Compares tax timing, future withdrawal tax and what changes when the RRSP tax reduction is invested.
Where could the next contribution go?
Compare the accounts →Compounding Interest Calculator
Separates deposits from estimated growth and shows the effect of waiting five years.
What could time add?
Project my growth →FIRE Calculator
Shows the bridge to 65, the public-income handoff and the first age the model reaches its target.
When could work become optional?
Explore the timeline →New to Canada
Start with the order while everything is unfamiliar.
Why these are free, and how they are built
Most free money tools are a form wearing a calculator costume. The answer arrives by email, later, along with a sales sequence. These do not do that. The figures you type stay in your browser, the answer appears on screen, and the only thing on offer at the end is a financial review you are free to ignore.
Every figure a tool relies on, whether a contribution limit, a tax threshold or a down payment tier, is read off a government page, dated, and kept in one file rather than scattered through the calculators. When a limit changes in January, one file changes. Nothing here is sourced from an aggregator or another creator.
Where a tool has to assume something rather than know it, such as a rate of return, the assumption is stated on screen and the result is labelled illustrative. Investment content explains how the accounts work. It never tells you what to buy.
A tool joins this collection only after its figures and source dates are verified. When a rule changes, the shared rates file and the affected examples are reviewed together.
A calculator answers one question. A review reads the whole picture.
These tools each look at one corner of your money. A free financial review can help put the corners in order: which account comes first, what the workplace plan already covers, and where the gaps are.