Run the numbers yourself.
Free tools to make better financial decisions. Mortgage, taxes, savings, credit cards and more.
Mortgage & Real Estate
Mortgage Payment
Calculate your monthly mortgage payments
Affordability
Find out how much home you can afford
CMHC Insurance
Premium, true cost, and monthly payment impact
Rent vs Buy
Compare buying vs renting over 1 to 30 years
Land Transfer Tax
Calculate your land transfer tax by province
FHSA (First Home Savings)
Tax-free growth for your first home purchase
Mortgage Refinance
Estimate savings from refinancing your mortgage
Mortgage Renewal
Compare payments at renewal with new rates
Payment Shock
Measure the impact of rate increases at renewal
Down Payment
Calculate minimum down payment and CMHC insurance
Tax
Income Tax
Estimate 2026 ordinary-income tax and the impact of deductions.
Take-Home Pay
Estimate pay after income tax and contributions, annually or by period.
Payroll Tax
True cost of your employees by province
Corporate Income Tax
Calculate corporate tax for CCPCs and general corporations
GST, HST and provincial sales tax calculator
Add or remove sales tax for the province or territory where the sale is supplied.
Business GST/HST remittances
Regular vs quick method, by province
TPS/TVQ (Quebec)
Calculate GST + QST for Quebec
Business
Hourly and daily rate
Calculate a rate from your target income, expenses and billable time.
Profit margin and selling price
Calculate selling prices while distinguishing margin from markup.
Full employee cost
Add benefits and overhead to payroll costs to estimate your employer budget.
Equipment financing
Compare cash purchases, loans and leases over the same period.
Business break-even
Calculate the sales needed to cover costs and reach a profit target.
Cash flow and working capital
Estimate funding for receivables, inventory and payment terms.
Salary vs Dividend
Find the optimal salary/dividend mix for your corporation
Business Finance Optimizer
Compare annual business-card rewards after fees.
Is paying with Chexy worth the fee?
Tax instalments, GST / QST or suppliers: the real cost per point of a business payment put on a card through Chexy.
Should I Incorporate?
Interactive quiz: incorporation vs sole proprietorship