Free Canadian Money Calculators

Explore mortgage payments, sales taxes, loans, savings, budgets and electricity costs. All amounts are in Canadian dollars (CAD).

Educational estimates only. These tools are not personalized financial, tax, legal or investment advice. Check figures with your lender, tax authority or provider.

Canadian Mortgage Calculator

Estimates principal-and-interest payments using the Canadian convention of nominal annual interest compounded semi-annually.

Home price (CAD) Down payment (CAD) Annual mortgage rate (%) Amortization (years) Payment frequency

Enter values and select Calculate.

Excludes default-insurance premiums, property taxes, fees and changing rates. Biweekly and weekly results use equivalent periodic rates, not accelerated-payment schedules.

Canadian GST/HST/PST Calculator

Select the province or territory and calculate an illustrative general sales tax on a taxable purchase.

Province or territory Purchase amount (CAD) Amount entered is

Enter values and select Calculate.

General rates only. Exemptions, zero-rating, product-specific provincial rules, rebates, and tax-on-tax treatment can change the actual tax. Verify current rates before relying on results.

Loan Payment Calculator

Estimate payments for a fixed-rate amortizing loan.

Loan amount (CAD) Annual interest rate (%) Loan term (months)

Enter values and select Calculate.

Assumes a fixed nominal annual rate divided by 12, equal monthly payments and no fees.

Savings Growth Calculator

Project savings using a fixed annual rate with monthly compounding.

Starting savings (CAD) Monthly contribution (CAD) Annual interest rate (%) Years to save

Enter values and select Calculate.

Assumes monthly contributions at the end of each month, constant rate, no tax or fees. Actual investment returns are not guaranteed.

Monthly Budget Calculator

Compare monthly take-home income against regular expenses.

Monthly take-home income (CAD) Housing (CAD) Utilities (CAD) Groceries and food (CAD) Transport (CAD) Debt payments (CAD) Other expenses (CAD)

Enter values and select Calculate.

Use monthly averages for irregular costs such as annual insurance or property taxes.

Electricity Cost Calculator

Estimate energy charges and a basic electricity bill from usage and rates.

Monthly electricity use (kWh) Energy rate (cents per kWh) Fixed monthly charges (CAD) Estimated applicable tax (%)

Enter values and select Calculate.

A simplified estimate only. Tiered/time-of-use pricing, delivery, regulatory charges, credits and tax exemptions vary by utility and province.

Last reviewed: October 2026. Rates and rules may change. Tax calculator uses a dated general-rate reference table; verify before publishing or after rate changes.