Canadian finance calculators
Accurate Canadian math plus behavioral science. Every tool runs in your browser. No signup.
Educational estimates only. Not personalized advice.
Popular Canadian tools
House Poor Calculator
See if your mortgage max leaves room to breathe after stress test, GDS/TDS limits, and your real life budget.
Mortgage Payment Calculator
Monthly payment, total interest, and CMHC premium with Canadian semi-annual compounding.
Take-Home Pay Calculator
Federal and provincial tax, CPP, and EI. See your real net salary in 2026.
Debt Payoff Planner
Compare avalanche vs snowball side by side. See total interest, payoff time, and willpower risk.
Home & Mortgage
Buying, owning, and financing your home in Canada.
House Poor Calculator
See if your mortgage max leaves room to breathe after stress test, GDS/TDS limits, and your real life budget.
Behavioral lens: Optimism bias
Mortgage Payment Calculator
Monthly payment, total interest, and CMHC premium with Canadian semi-annual compounding.
Behavioral lens: Anchoring
CMHC Insurance Calculator
Estimate CMHC mortgage insurance premium by down payment percentage.
Behavioral lens: Framing
Rent vs Buy Calculator
Compare total cost of renting versus buying over your chosen time horizon.
Behavioral lens: Status quo bias
Land Transfer Tax Calculator
Provincial and municipal land transfer tax with first-time buyer rebates.
Behavioral lens: Sunk cost
FHSA Calculator
First Home Savings Account tax deduction and tax-free growth projection.
Behavioral lens: Present bias
Income & Taxes
What you keep after Canadian tax rules.
RRSP Tax Refund Optimizer
Compare reinvesting your RRSP refund vs spending it. See how mental accounting leaks compound growth.
Behavioral lens: Mental accounting
Take-Home Pay Calculator
Federal and provincial tax, CPP, and EI. See your real net salary in 2026.
Behavioral lens: Money illusion
Salary Converter
Convert between hourly, weekly, bi-weekly, monthly, and annual pay.
Behavioral lens: Base rate neglect
TFSA Room Calculator
Calculate remaining TFSA room based on birth year and prior contributions.
Behavioral lens: Use-it-or-lose-it
Canada Child Benefit Calculator
Estimate monthly CCB payments and compare to typical childcare costs.
Behavioral lens: Optimism
Employment Insurance Calculator
Estimate EI weekly benefits and replacement rate from your income.
Behavioral lens: Planning fallacy
Parental Leave Calculator
Standard vs extended parental benefits and income shortfall during leave.
Behavioral lens: Loss aversion
Investing, Debt & Retirement
Long-term wealth and debt payoff paths.
Debt Payoff Planner
Compare avalanche vs snowball side by side. See total interest, payoff time, and willpower risk.
Behavioral lens: Present bias
RRSP vs TFSA Future-Self
Project two retirement paths with OAS clawback vs tax-free TFSA liquidity. Built for future-you framing.
Behavioral lens: Hyperbolic discounting
CPP and OAS Estimator
Estimate combined government pension income at different CPP start ages.
Behavioral lens: Hyperbolic discounting
FIRE Calculator
Financial independence number, lean vs fat FIRE, and years to reach FI.
Behavioral lens: Optimism bias
Emergency Fund Calculator
Months of runway at 3, 6, and 12 month targets.
Behavioral lens: Normalcy bias
TFSA Contribution Room Check
Check planned contributions against remaining room and penalty risk.
Behavioral lens: Regret aversion
Group RRSP Optimizer
See employer match value and free money left on the table.
Behavioral lens: Mental accounting
Life Decisions
Major life shifts without financial panic.
Learn
Quick checks on money knowledge and behavior.
Behavioral Finance
Psychology-first tools that quantify anxiety, regret, and money personality.
Financial Anxiety Cost Calculator
Quantify what avoidance, over-insurance, and excess cash may be costing you each year.
Behavioral lens: Loss aversion
Financial Wellness Score
Measure your financial well-being with the CFPB’s 10-question scale and see how you compare nationally.
Behavioral lens: Financial security & choice
Financial Stress Score
A 0–100 stress score from cash flow, debt, emergency fund, and self-reported worry.
Behavioral lens: Availability heuristic
Delayed Gratification Calculator
Spend now vs invest — see the 10-year opportunity cost.
Behavioral lens: Present bias
Turn calculator insights into daily habits
PsyFi connects your accounts, tracks goals, and nudges you with behavioral science so the numbers on these pages become real progress.
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2026 educational estimates. Estimates for education only. Not financial, tax, mortgage, immigration, or legal advice. Canadian rules and rates change. Verify current figures with qualified professionals before making decisions. PsyFi tools add behavioral context; they do not replace personalized planning.