Free Canadian money calculators

Work out your income tax and take-home pay, CPP and EI, mortgage payments and CMHC insurance, land transfer tax, sales tax and TFSA or RRSP savings in seconds. Figures follow the official rules for the 2026 tax year, with links to sources such as the CRA.

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Taxes & Payroll

Income Tax & Take-Home PayFederal and provincial tax, CPP, EI and take-home pay CPP & EICPP, CPP2 and EI deductions on your income Sales TaxGST, HST, PST and QST by province EI BenefitsWeekly EI payments at 55% of your insurable earnings Canada Child BenefitCCB payments by your children's ages and family income GST/HST CreditThe credit now called the Groceries and Essentials Benefit OAS ClawbackOAS recovery tax on income above the threshold Capital Gains TaxTax on a capital gain at your provincial marginal rate

Pay & Work

Salary to HourlyConvert salary to hourly, biweekly and monthly pay Vacation PayVacation pay at 4%, 6% or 8% by province Ontario Stat Holiday PayPublic holiday pay and premium pay in Ontario

Mortgages & Home

Mortgage PaymentPayments with CMHC insurance, compounded semi-annually Mortgage AffordabilityStress test and GDS/TDS limits CMHC InsuranceMortgage default insurance premium by down payment Ontario Land Transfer TaxOntario and Toronto land transfer tax, with rebates BC Property Transfer TaxBC PTT with first-time buyer and new home exemptions Quebec Welcome TaxTransfer duties for Quebec and Montréal Rent Increase GuidelineAllowed rent increase in Ontario and BC FHSAFirst Home Savings Account growth and tax refund

Savings

TFSA Contribution RoomHow much you can put in your TFSA this year RRSP Tax SavingsTax refund from an RRSP contribution by province RESPCESG grants and growth to age 18 CPP Retirement PensionMonthly CPP pension if you start at any age from 60 to 70

Car & Gas

Car LoanCar payments with provincial sales tax Gas CostTrip cost from km, L/100 km and price

How we check the numbers

  • Official sources, clearly dated: tax rates, thresholds and limits are checked against government and regulator publications, and every page shows the date its figures were last checked.
  • Tested before publishing: the Everyday Money Calc team checks each calculator against a separate test sheet with at least three worked examples before it goes live.
  • Updated when the rules change: when a budget or a rate changes, we update the numbers and the date, and we review every calculator at least once a year.
  • Ads never change the results: if we show ads, they are kept separate from calculator results, and we don’t take payment to recommend loans, credit cards or insurance.
  • Found a number that looks wrong, or need a calculator we don’t have yet? Let us know.

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