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7 free tools · 2026 data

Free financial
calculators

Seven tools built for Canada, with no sign-up and no data collection. Work out your room, your tax refund and what your fees are really costing you.

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 →