Thoughtful tools for your money
Feel clearer about your next move.
Make sense of the numbers behind home buying, saving, debt, and more—with practical calculators built for real decisions.
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Your financial picture
$24,680.50
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TodayYour goals, over time
Your money, made clearer
Choose a calculator
Start with the question on your mind. Adjust the numbers to explore your options.
Mortgage calculator
Estimate your payment
Home planning
Enter the mortgage amount, annual interest rate, and amortization period.
Estimated monthly payment
—
Estimate only. Does not include property tax, insurance, or other costs.
Investment growth
See how savings could grow
Savings
Project your investment balance and estimate the monthly savings needed to reach a target.
Estimated ending value
—
Total contributions—
Estimated growth—
Monthly contribution to reach your goal—
Illustration only. Assumes monthly compounding and contributions at the end of each month. Returns vary and are not guaranteed. Excludes fees, taxes, and inflation.
Debt payoff
Estimate your payoff timeline
Debt
See how a fixed monthly payment could reduce a balance and how much interest it may cost.
Estimated time to pay off
—
Estimated interest—
Estimated total paid—
Estimate uses monthly interest and a fixed payment. Credit card issuers may calculate interest daily and apply payments differently. Check your statement and agreement for exact terms.
Rent vs. buy
Compare two housing scenarios
Housing
Compare estimated monthly housing costs and the assets each scenario could leave you with over time.
Estimated monthly housing cost at the start
Owning (mortgage + owner costs)—
Renting—
Estimated owner assets after — years—
Estimated renter investments—
—
Illustration only. Assumes the monthly cost difference is invested by the less expensive scenario, rent changes annually, and the mortgage rate stays the same. Includes your closing costs and estimated selling costs. Owner costs stay fixed. Excludes taxes, mortgage insurance, repairs beyond your estimate, and other costs. Actual results can differ substantially.
RRSP vs. TFSA
Compare estimated after-tax values
Investing
Compare the estimated value of the same monthly take-home budget invested in either account.
Estimated value after taxes
TFSA—
RRSP after estimated withdrawal tax—
RRSP value before withdrawal tax—
Estimated RRSP monthly contribution—
—
Illustration only. Assumes the full value of the RRSP deduction is reinvested, the marginal tax rates remain as entered, and monthly contributions are made at month-end. Excludes fees, contribution limits and account-specific rules. Actual tax depends on your circumstances and province.
See the CRA pages about RRSPs and TFSAs for account rules.
Net worth
Add up what you own and owe
Snapshot
Enter current estimated values. Net worth is your total assets minus your total debts.