Free money tools, built for Canadians
Three calculators, ready now. Each one answers in your browser as you type. No email, no account, no trial.
- Free, no email
- Nothing leaves your device
- Canadian rules and dollars
How to use this page
Pick the question that sounds most like yours. Where does my money go is the budget tool. How do I get rid of this debt is the payoff planner. Would my family be alright is the insurance calculator. If none of those is obvious, the button below asks three questions and picks for you.
Not sure which one you need? Three quick questions and we will point you at the right one. Nothing is saved or sent.
Ready to use now
Three tools, live and complete. Each takes about two minutes.
Monthly Budget Calculator
Starts from take home pay, not gross. Shows what is left over, your savings rate, your housing share, and how long your emergency fund would really last.
Use this if you are not sure where the money goes, or you want to find a spare $100.
Open the tool →Debt Payoff Calculator
Every debt on its own line. Avalanche against snowball, side by side, with the payoff date, the total interest, and which one clears your first debt soonest.
Use this if you have more than one balance and want to know which to attack first.
Open the tool →Life Insurance Needs
What your family would actually need, against what you already hold. Shows what happens to the gap when the coverage from your job ends with the job.
Use this if someone depends on your income and you are not sure what you have.
Open the tool →Being built
Listed so you know what is coming. A tool is published only once every figure in it has been checked against a government source, which is why some take longer than others.
Big decisions
- First Home Readiness down payment, stress test, land transfer tax Next
- Wedding Budget Builder works back from your number, per guest Soon
- Fair Split Calculator three ways for couples to split the bills Soon
The long game
- FIRE Calculator your number, plus the CPP and OAS bridge Soon
- Retirement Projector what your savings grow into Soon
- Estate Checkup will, powers of attorney, probate by province Soon
Starting out in Canada
- Paycheque Decoder gross to net, by province Next
- First 90 Days in Canada a dated setup plan for newcomers Soon
- Student Funding Gap what the school year really costs Soon
- Job Search Action Board where to look, and a Canadian resume check Soon
Why these are free, and how they are built
Most free money tools are a form wearing a calculator costume. The answer arrives by email, later, along with a sales sequence. These do not do that. The figures you type stay in your browser, the answer appears on screen, and the only thing on offer at the end is a financial review you are free to ignore.
Every figure a tool relies on, whether a contribution limit, a tax threshold or a down payment tier, is read off a government page, dated, and kept in one file rather than scattered through the calculators. When a limit changes in January, one file changes. Nothing here is sourced from an aggregator or another creator.
Where a tool has to assume something rather than know it, such as a rate of return, the assumption is stated on screen and the result is labelled illustrative. Investment content explains how the accounts work. It never tells you what to buy.
A tool is published only once its figures are verified. That is why the list above is honest about what is not ready rather than shipping numbers that might be wrong.
A calculator answers one question. A review reads the whole picture.
These tools each look at one corner of your money. If you would rather have someone put the corners in order, that exists too, and it costs nothing. Which account comes first, what the workplace plan already covers, where the gaps are.