Canadian Finance Toolkit
Templates for Self-Employed Canadians
Expense trackers, GST/HST logs and income planners for freelancers, contractors and sole proprietors who file a T2125.
Tax
Income tax, refunds and sales tax for every province.
calculate Income Tax Calculator See all Tax tools ›calculateIncome Tax CalculatorTake-home pay after federal & provincial taxdocument_scannerTax Slip ReaderDrop your T4 PDF, see your refund in secondsvolunteer_activismBenefits FinderEvery benefit you qualify for, and how muchstacked_bar_chartTax Brackets 2026Federal and provincial rates for every provincereceipt_longTax Refund PredictorEstimate your refund before you filepercentGST / HST CalculatorAdd or remove sales tax in any provinceworkSelf-Employed Tax CalculatorTax, CPP and what to set asideeventBenefit Payment DatesCCB, GST credit, CPP and OAS dates for 2026child_careChild Benefit (CCB) CalculatorYour monthly Canada Child Benefitwork_offEI Benefits CalculatorWeekly EI for job loss, sickness or parental leavebar_chartTax Bracket VisualizerSee how each bracket applies to youcompare_arrowsCompare ProvincesTax on the same income in all 13 regionssavingsTax Savings CalculatorDeductions and credits that cut your billchecklistTax Document ChecklistEverything you need to filepublicUS Tax CalculatorFederal and state tax in the United States
Salary & Pay
What you really take home, wherever you work.
payments Salary After Tax See all Salary & Pay tools ›paymentsSalary After TaxTake-home pay for every salary and provincerequest_quotePaycheque CalculatorNet pay on every weekly or biweekly chequescheduleHourly Wage After TaxWhat $17 to $60 an hour really paystimerHourly to SalaryConvert an hourly wage to yearly pay and backworkSalary ExplorerPay ranges for thousands of jobsredeemBonus Tax CalculatorWhat you keep from a bonusscheduleOvertime Pay CalculatorTime-and-a-half and double timelocation_cityCost of Living CalculatorCompare living costs between citiesswap_horizCity ComparisonsToronto vs Vancouver and 400+ moreapartmentToronto Income TaxCity tax calculators across Canada
Savings & Investing
Grow your money in RRSPs, TFSAs, FHSAs and more.
account_balance RRSP Calculator See all Savings & Investing tools ›account_balanceRRSP CalculatorRetirement growth and tax savingssavingsRRSP Refund CalculatorThe refund from your contributiontrending_upTFSA CalculatorTax-free growth and contribution roomcompare_arrowsTFSA vs RRSPWhich account wins for youhomeFHSA CalculatorSave for your first home, tax-freeschoolRESP CalculatorEducation savings with the CESG grantshow_chartCapital Gains CalculatorTax on stocks, crypto and propertypaidDividend Tax CalculatorEligible and non-eligible dividendsstacked_line_chartInvestment GrowthCompound growth over timesavingsSIP & Lump SumMonthly investing vs a one-time depositaccount_balance_walletNet Worth CalculatorAssets minus debts, in one numberinsightsInvestment HubGuides and tools for investors
Home & Loans
Buy, borrow and budget with confidence.
house Mortgage Calculator See all Home & Loans tools ›houseMortgage CalculatorPayments, interest and amortizationsavingsMortgage AffordabilityHow much house you can affordverified_userCMHC Insurance CalculatorMortgage insurance with under 20% downfact_checkMortgage Stress TestCheck if you qualify at the 2026 rategavelLand Transfer TaxProvincial and Toronto land transfer taxrequest_quoteClosing CostsThe hidden costs of buying a homereal_estate_agentRent vs BuyWhich is better for youpercentMortgage RatesFixed and variable rates comparedtask_altMortgage Pre-ApprovalSteps and requirementskeyHome Buyers' PlanUse your RRSP for a down paymentdomainRental Property ROICash flow and return on a rentaldirections_carCar Loan CalculatorMonthly payment and total interesttrending_downLoan RepaymentPay off debt fastercottageHousing HubAll housing tools and guides
articleBlogLatest tax and money guidesschoolEducation HubLearn how Canadian tax worksverified_userInsuranceAuto and home insurance estimatesfamily_restroomLife Insurance CalculatorHow much cover you need, and the costcredit_cardCredit & Credit CardsBuild and improve your creditstarBest Credit CardsCash back, travel and no-fee cardscodeFree WidgetsAdd our calculators to your siteinfoAbout MTCWho we are and how we work
