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All our calculators are free to use—no signup required, now and always.
- Investment CalculatorProject growth over time with contributions and returns.
- Interest CalculatorSimple and compound interest on savings or debt.
- ROI CalculatorReturn on investment and annualized returns.
- Compound InterestSee how compounding grows your money over years.
- Mortgage CalculatorMonthly payments, amortization, and payoff timeline.
- Rent vs BuyCompare renting vs buying with total cost of ownership.
- Rent vs Buy (Canada)Canada-focused rent vs buy calculator with province-specific defaults and tax assumptions.
- Rent vs Buy (USA)US-focused rent vs buy calculator with state-specific defaults, filing status, and sale-tax assumptions.
- Loan CalculatorPayment schedule and total interest for any loan.
- APR CalculatorEffective APR including fees. Stated rate vs true cost.
- Car Loan CalculatorAuto loan payment, down payment, trade-in. Amortization schedule.
- Student Loan (Canada)Federal and provincial student loan repayment. RAP estimate.
- Debt ConsolidationCompare current debts vs one consolidation loan. See savings.
- Line of CreditInterest-only payment on drawn balance. Optional repayment phase.
- FIRE NumberHow much you need to save to be financially independent.
- Lean FIREFIRE number for minimal spending. Lower expenses, smaller target.
- Fat FIREFIRE number for higher lifestyle. Larger target, comfortable retirement.
- Barista FIREPart-time income reduces portfolio need. Smaller number, quit sooner.
- Coast FIREWhen can you stop contributing? Balance needed today to coast to retirement.
- Flamingo FIRERegular FIRE: moderate lifestyle target. Between Lean and Fat.
- Retirement Calculator (Canada)Canadian retirement savings and income projections.
- Retirement Calculator (USA)US retirement savings and income projections.
- CPP/OAS EstimatorEstimate Canada Pension Plan and Old Age Security.
- Social Security Estimator (USA)Estimate US Social Security benefits.
- FHSA Contribution RoomFirst Home Savings Account room (Canada). $8k/year, $40k lifetime. CRA rules.
- TFSA Contribution RoomYour current TFSA contribution room (Canada).
- RRSP Contribution RoomYour current RRSP contribution room (Canada).
- RESP & CESGCESG and CLB for RESP. Canada.
- RRIF CalculatorMinimum RRIF withdrawal by age. Canada.
- HBP CalculatorHome Buyers Plan. Canada.
- LLP CalculatorLifelong Learning Plan. Canada.
- RDSP Grant & BondCDSG and CDSB for RDSP. Canada.
- LIF CalculatorLIRA/LIF min and max withdrawal. Canada.
- IRA Contribution Room (USA)Traditional and Roth IRA limits. USA.
- RMD Calculator (USA)IRA and 401(k) required minimum distribution. USA.
- 529 Plan (USA)529 education savings limits. USA.
- IRA First-Time Home (USA)Up to $10k from IRA for first home. USA.
- HSA Calculator (USA)Health Savings Account limits. USA.
- ABLE Calculator (USA)ABLE account contribution limit. USA.
- Income Tax (Canada)Federal and provincial income tax for all Canadian provinces.
- Income Tax (USA)Federal and state income tax for all US states.
- Capital Gains Tax (Canada)Capital gains tax and principal residence exemption by province.
- Capital Gains Tax (USA)Federal and state capital gains tax. Section 121 exclusion.
- Salary After Tax (Canada)Take-home pay: federal and provincial tax, EI, CPP. By pay period.
- Salary After Tax (USA)Take-home pay: federal and state tax, Social Security, Medicare.
- Net Worth CalculatorTrack assets, liabilities, and net worth over time.