Free Financial Calculators
Run your own numbers in seconds. Compare mortgages, build a monthly budget, plan your debt payoff, and more. Every calculator is free, private, and works right in your browser. Nothing you enter is saved or sent anywhere.
Mortgage Repayment Calculator & Comparison Tool
Compare two mortgages side by side: rate, amortization, payment frequency, and prepayments, with Canadian semi-annual compounding.
Use Calculator → BudgetingMonthly Budget Builder
Enter your income and expenses to see your monthly surplus or shortfall, compare against benchmarks, and get smart insights.
Use Calculator → CreditCredit Card Minimum Payment Calculator
See exactly how long it takes, and how much you really pay, when you only make the minimum payment on a credit card.
Use Calculator → Debt StrategyDebt Avalanche vs. Snowball Calculator
Have multiple debts? Compare the two most popular repayment strategies side by side, with real numbers, not estimates.
Use Calculator → Net WorthNet Worth Calculator
Add up what you own and what you owe, including your home and mortgage, to see your net worth and track it over time.
Use Calculator → SavingThe Cost of Spending Today
See what a purchase today could be worth years from now if invested instead: an honest, no-judgment look at the trade-off.
Use Calculator → Student LoansCanadian Student Loan Repayment Calculator
Model your repayment timeline with provincial rates, the grace period, and RAP eligibility, using the live Bank of Canada prime rate.
Use Calculator →Which calculator should I start with?
- Buying a home or renewing? Use the mortgage comparison tool to see how your rate, amortization, and payment frequency change what you pay.
- Not sure where your money goes? Start with the monthly budget builder.
- Carrying debt? Compare payoff plans with the avalanche vs. snowball calculator, and see the true cost of a credit card balance with the minimum payment calculator.
- Want a big-picture check-in? The net worth calculator shows how far you've come.
All calculators provide estimates for educational purposes only and do not constitute financial advice. Actual results depend on your lender, rates, and circumstances.