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No signup required. Every calculator here runs the same engine as Hunch’s in-app planning tools, with Canadian tax brackets, CPP and EI built in — try one, then bring your real accounts.
Jump to a calculator: Home & mortgage: Mortgage payoff, Home affordability, Rent vs. buy, Car loan, Amortization schedule, Extra mortgage payment, Refinance break-even, Mortgage renewal, Loan-to-value & equity, Down payment savings, HELOC payments · Debt: Debt payoff, Credit card interest, Minimum payment trap, Debt consolidation · Saving & investing: Compound growth, Savings rate, Savings interest calculator, Net worth, 50/30/20 budget, FIRE number, Coast FIRE, Barista FIRE, Lean FIRE, Fat FIRE, Emergency fund, Sinking fund, Household bill split calculator, Subscription cost calculator, Inflation, Raise vs inflation · Retirement: Retirement projection, Retirement decumulation, RRSP refund, TFSA room, Income splitting · Tax: Income tax & take-home pay, Canada–US salary equivalence, Tax brackets, Compare take-home pay, Salary converter
Buying, renting or financing a place to live — what the payment actually costs you each month, and whether the numbers work before you commit.
Payment, amortization, and prepay-vs-invest comparison.
How much house you can afford based on income and debt.
Compare projected net worth from renting vs. owning.
Monthly payment and total interest on an auto loan.
Break any mortgage into a month-by-month schedule and see where every payment actually goes.
Model an extra payment, a lump sum or accelerated bi-weekly payments against your payoff date.
Compare a new rate and amortization against what is left of your existing mortgage.
Your term is ending — see what the payment becomes at a new rate on the amortization you have left.
Turn a property value and a balance into an LTV ratio, your equity, and the distance to any threshold you set.
How long until you have the down payment you want — and what the money you already have supports.
Interest-only against amortizing on a home equity line — both payments and what the difference costs.
What a balance really costs, how long it takes to clear, and whether avalanche or snowball gets you there faster.
Months to debt-free, and how extra payments help.
What a balance costs at your rate — and what each extra $25 a month takes off it.
Enter your card’s minimum-payment rule and see what paying only the minimum really costs.
Your blended rate across every debt, against one consolidation loan — payment and total interest.
Where your money goes now, what it grows into later, and how close you already are to the number you need.
Project how savings or investments grow over time.
Your savings rate and time to hit a target.
See what a savings account actually pays — the APY behind the quoted rate, the interest over time, and what the CRA takes.
Add up assets and liabilities for a full picture.
Check needs, wants, and savings against the classic split.
Your financial independence number and Coast FIRE crossover.
The balance that reaches your FIRE number with nothing added.
The smaller portfolio you need when part-time work covers part of the bill.
A FIRE number built from a bare-bones budget, priced line by line.
A high-spending FIRE target, grossed up for the tax on withdrawals.
How many months of essential spending to hold, and how long it takes to save.
Save a known amount by a known date, across several goals at once.
Split the rent and the rest of the shared bills in proportion to what each person earns, and see the share of income it takes from each of you.
What a recurring charge totals over five, ten and twenty years once the price increases compound, and what the same payments would have been worth invested.
What an amount will be worth later, and what today’s prices become — at a rate you set.
Is your raise a raise? Your new salary in today’s dollars, and the one you needed to stand still.
Registered accounts, government benefits and withdrawal order — modelled together, because they only make sense together.
Canada (CPP/OAS/RRSP/TFSA) or US (Social Security/401k/IRA).
Tax-optimized RRSP/TFSA/non-reg drawdown with CPP/OAS timing.
Estimate your tax refund from an RRSP contribution.
Estimate your lifetime TFSA contribution room.
Find the pension income split that minimizes your household tax.
Take-home pay after federal and regional tax and payroll deductions, for every Canadian province and territory and all 50 US states plus DC.
Take-home pay calculators for every province and US state.
Take-home on a Canadian salary and a US one, side by side, and the gross on each side that leaves the same amount in hand at an exchange rate you set.
Every federal and provincial bracket, with the rate you actually pay at each income.
Two provinces side by side, at six salaries, with the annual gap in dollars.
Hourly, daily, weekly, biweekly, semi-monthly, monthly and annual — gross and net.
Start from the decision you are actually making, not from the number you want. If you are deciding whether to do something — buy instead of rent, borrow instead of save, retire at 60 instead of 65 — you want a comparison tool: rent vs. buy, income splitting, or the retirement planner. If you have already decided and want to know how much or how long, you want a projection: the mortgage, debt payoff, compound growth or FIRE calculators.
A second question is whose numbers you are using. The tax, RRSP, TFSA and income-splitting calculators depend on published Canadian brackets and limits and are only as current as those tables — every one of them shows the date its figures were last verified. The mortgage, budgeting and net-worth calculators depend on nothing but what you type, so they never go stale.
If you are not sure where to start, the honest default is the budget calculator followed by the savings-rate calculator. Almost every other number on this page is downstream of how much you keep each month, and most people are surprised by their own figure.
No. Every calculator on this page runs entirely in your browser and needs no signup, no email address and no bank connection. An account only matters if you want Hunch to track the real accounts behind the numbers.
The tax, RRSP, TFSA, income-splitting and decumulation calculators use Canadian brackets, limits and benefit rules. The mortgage, budgeting, debt, net-worth and compound-growth calculators are arithmetic on your own inputs and work anywhere. The income tax calculator covers every Canadian province and territory as well as all 50 US states.
Every page that depends on published tax figures shows the month those figures were last checked against the source — the Canada Revenue Agency for Canadian brackets, the IRS for US ones — alongside a link to that source. The calculators that depend only on your own inputs carry a last-updated date for the page itself.
Yes. Changing an input updates the page URL, so copying the address bar sends someone the exact scenario you are looking at rather than a blank calculator.