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8 free tools · 2026 data

Free financial
tools

Eight tools built for Canada, with no sign-up and no data collection. One bank comparison tool and seven calculators. Work out your room, your tax refund and what your fees are really costing you.

Key figure from the tool: 8 institutions compared
Brokerage fees
Your trades, your balance: which broker costs the least among eight institutions.
Data 2026
 Key figure: 13 Canadian institutions compared
Which bank to choose
Six questions, 18 criteria, 13 institutions. The ones that fit your situation.
2026 data
 Key figure of the tool: $109,000 — Cumulative TFSA room since 2009
TFSA room
How much room is left in your TFSA? Up to $109,000 accumulated since 2009.
2026 data
 Key figure of the tool: $33,810 — 2026 RRSP contribution cap
RRSP refund
Contribute X, get Y back. Estimate your tax refund based on your income.
2026 data
 Key figure of the tool: 1.5% — The fee gap the tool prices over 30 years
Investment fees
What an extra 1% in fees really costs you over 30 years.
2026 data
 Key figure of the tool: $40,000 — FHSA lifetime limit
FHSA
Available FHSA room, capped carry-forward and tax savings.
2026 data
 Key figure of the tool: 5.25% — Stress-test qualifying rate floor
Mortgage
Real payment, CMHC premium, minimum down payment and stress test.
2026 data
 Key figure of the tool: 50% — Drop absorbed when borrowing half the limit
Portfolio credit
Limit, interest cost and the drop that triggers a margin call.
2026 data
 Key figure of the tool: 4% — Sustainable withdrawal rule
Retirement
Project your retirement savings and sustainable monthly income.
2026 data
Exclusive Ready to act on it? Code LOIO3A gets you $35 total: a $25 bonus + $10 by Interac e-Transfer (after the claim form). See the offer + form →
About these tools

Free, no sign-up,
and computed in your browser

All our calculators run entirely in your browser: no data is sent or stored. No account to create, no email to hand over, no tracking. Move a slider and the result recalculates instantly.

The tools are built for Canada: TFSA, RRSP, FHSA, CRA limits and Canadian tax rules. The amounts and limits shown reflect 2026 and are revised manually whenever a change is announced.

These are educational tools, not tax or financial advice. They give a reliable order of magnitude for making an informed decision; for your specific situation, confirm your official figures in CRA My Account and consult a professional if needed.

Where to start

Which tool
for which question?

"How much can I still invest?" → TFSA contribution room, or FHSA if you're saving for a first home.

"How much tax will I get back?" → RRSP tax refund, which applies the 2026 federal brackets.

"Am I paying too much in fees?" → Investment fee calculator, often the most expensive realization.

"Will I have enough for retirement?" → Retirement calculator, with inflation and sustainable monthly income.

Exclusive offer · $35 total


From numbers
to action

Code LOIO3A: a $25 Wealthsimple bonus + $10 by Interac e-Transfer after the claim form = $35 total to open your TFSA, RRSP or FHSA.

Copy the code and open Wealthsimple →