Seven calculators that get the details right
Each one does a single job properly — including the parts most free calculators quietly skip, like semi-annual compounding on Canadian mortgages, the dividend gross-up in an OAS clawback, and what an accelerated payment actually costs. Nothing you type leaves your browser.
Income tax calculator
What you actually keep, in any of 64 jurisdictions — entered by income type, because salary, dividends and capital gains are taxed nothing alike.
- 13 provinces and territories, 50 states and D.C.
- The full build — credits, gross-ups, surtaxes, payroll
- The same income compared across every jurisdiction at once
Mortgage calculator
Payment, total interest and the full amortization — with Canadian semi-annual compounding or American monthly, and every payment frequency compared side by side.
- Accelerated bi-weekly and weekly, priced at the real frequency
- Extra payments, and what they save you
- Year-by-year interest and principal
Debt payoff calculator
Every debt you carry, one extra payment, and the order to attack them in. Avalanche and snowball run at the same time so you can see what the choice actually costs.
- Freed-up minimums roll into the next debt automatically
- The date each account clears
- What the extra payment buys, against minimums alone
Compound interest calculator
Split into what you contributed and what the compounding added — plus the year growth overtakes your own deposits, and what the balance is worth after inflation.
- Any contribution and compounding frequency
- Contributions that grow each year
- Nominal and today’s dollars, side by side
Three that almost nobody builds properly
Salary vs dividend calculator
For an incorporated owner: every mix from all-salary to all-dividend, in your province, with corporate tax, personal tax, CPP on both sides and RRSP room all counted.
- Small business or general corporate rate
- Owner treated as EI-exempt, as the rules say
- What each mix buys — not just what it costs
OAS clawback calculator
How much Old Age Security you actually keep at your income — with the 2026 threshold, the 15% recovery, the OAS itself in the total, and eligible dividends counted at 138%.
- Every province and territory, ages 65–74 and 75+
- What another $10,000 of each income type costs
- The income at which the OAS is gone entirely
Pension income splitting calculator
The split that saves a couple the most — tried at every step from 0 to 50% in both directions, with the OAS clawback and pension credit both in the return.
- Employer pensions at any age, RRIF from 65
- Shows the whole curve, not one answer
- Often the best split is not 50%
A calculator answers one question.
The planner answers the one that matters: given your income, your tax, your debts and your accounts — where does this all end up, and when can you stop? It runs the real brackets for 13 provinces and territories and all 50 states.