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MTC

Canada's Finance Hub
MTC Financial Tools

Choose Your Financial Calculator

Select a calculator below to start planning your financial future

Refund Predictor

Quickly estimate your 2025 or 2026 tax refund or balance owing.

Start Check

Cost of Living

Compare living expenses between major Canadian cities.

Compare Cities

Salary Explorer

Research market rates and salary trends for your role.

Explore Pay

US Tax Calculator

Estimate Federal and State taxes for US income.

Calculate US Tax
NEW

Expense Tracker

Track income & expenses with categories. Cloud sync & monthly reports. Free!

Start Tracking
New for 2026

Advanced Tax Planning Tools

Maximize your savings with our new SEO-optimized calculators

NEW SEO Optimized

Tax Savings Calculator

Calculate savings from RRSP, medical expenses, donations & childcare deductions.

Calculate Savings
NEW

TFSA vs RRSP Comparison

Find out which savings vehicle is better for your situation.

Compare Now
NEW

Provincial Tax Comparison

Compare take-home pay across all 13 Canadian provinces.

Compare Provinces
NEW

Tax Document Checklist

Generate a personalized checklist of documents needed for filing.

Get Checklist
NEW

Tax Bracket Visualizer

Interactive chart showing federal and provincial tax brackets.

Visualize Brackets
New For 2026

Premium Canadian Financial Calculators

Targeted, high-precision tools covering the new FHSA, RRSP limits, the 66% Capital Gains rules, and more.

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SIP & Lumpsum Compounder

Visualize exactly how monthly systematic investing (SIP) compounds against a single lumpsum over time.
Active

TFSA Limit & Growth

Check lifetime limits and project 100% tax-free compounding inside a TFSA.
Active

FHSA Down Payment

Calculate tax refunds and housing down payment growth via the new FHSA.
Active

RRSP Exact Tax Refund

Advanced marginal-bracket calculator to find the exact refund yield of your RRSP injection.
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Capital Gains (66% Tier)

Computes taxes owed factoring in the 2024 $250k threshold and 66.67% inclusion rate.
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Canadian Dividend Tax

Gross-ups and Dividend Tax Credits (DTC) for Eligible vs Non-Eligible dividend investors.
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Real Estate ROI & Cap Rate

Evaluate Canadian rental properties metrics: Cash Flow, Cash-on-Cash Return, and Cap Rates.
Active

Mortgage Stress Test App

Max affordability index applying OSFI's 5.25% qualifying stress test & GDS/TDS ratios.
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.

Read the guide