MTC Canada's Finance Hub

47 free tools and guides

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Tax

Income tax, refunds and sales tax for every province.

Income Tax Calculator Take-home pay after federal & provincial tax Tax Refund Predictor Estimate your refund before you file GST / HST Calculator Add or remove sales tax in any province Tax Bracket Visualizer See how each bracket applies to you Compare Provinces Tax on the same income in all 13 regions Tax Savings Calculator Deductions and credits that cut your bill Tax Document Checklist Everything you need to file US Tax Calculator Federal and state tax in the United States

Salary & Pay

What you really take home, wherever you work.

Salary After Tax Take-home pay for every salary and province Hourly Wage After Tax What $17 to $60 an hour really pays Salary Explorer Pay ranges for thousands of jobs Bonus Tax Calculator What you keep from a bonus Overtime Pay Calculator Time-and-a-half and double time Cost of Living Calculator Compare living costs between cities City Comparisons Toronto vs Vancouver and 400+ more Toronto Income Tax City tax calculators across Canada

Savings & Investing

Grow your money in RRSPs, TFSAs, FHSAs and more.

RRSP Calculator Retirement growth and tax savings RRSP Refund Calculator The refund from your contribution TFSA Calculator Tax-free growth and contribution room TFSA vs RRSP Which account wins for you FHSA Calculator Save for your first home, tax-free RESP Calculator Education savings with the CESG grant Capital Gains Calculator Tax on stocks, crypto and property Dividend Tax Calculator Eligible and non-eligible dividends Investment Growth Compound growth over time SIP & Lump Sum Monthly investing vs a one-time deposit Net Worth Calculator Assets minus debts, in one number Investment Hub Guides and tools for investors

Home & Loans

Buy, borrow and budget with confidence.

Mortgage Calculator Payments, interest and amortization Mortgage Stress Test Check if you qualify at the 2026 rate Land Transfer Tax Provincial and Toronto land transfer tax Closing Costs The hidden costs of buying a home Rent vs Buy Which is better for you Mortgage Rates Fixed and variable rates compared Mortgage Pre-Approval Steps and requirements Home Buyers' Plan Use your RRSP for a down payment Rental Property ROI Cash flow and return on a rental Car Loan Calculator Monthly payment and total interest Loan Repayment Pay off debt faster Housing Hub All housing tools and guides

Guides

Plain-English answers to Canadian money questions.

Blog Latest tax and money guides Education Hub Learn how Canadian tax works Insurance Auto and home insurance estimates Credit & Credit Cards Build and improve your credit Best Credit Cards Cash back, travel and no-fee cards Free Widgets Add our calculators to your site About MTC Who we are and how we work

Pro Tip

Marginal vs. Average Rate

Your marginal rate applies to your next dollar earned, while the average rate is your total burden.

Learn more in Education center

Calculator Insight

2026 CRA Updates

All tools are synced with the latest federal and provincial thresholds to ensure your budget is 100% accurate.

See full breakdown

Financial Planning

The Stress Test Rule

Using our mortgage tool? Always aim for a 2% buffer above your current rate for long-term safety.

Income Tax Calculators by City

Get take-home pay estimates tailored to your city's cost of living and provincial tax rates.

Compare Cost of Living Between Cities → Browse All City Comparisons →

Salary After Tax Breakdowns (2026)

See exactly how much you take home after taxes, CPP, and EI across Canadian provinces.

View Complete Salary Directory →

Ontario

British Columbia

Alberta

Quebec