Tools
Free tools
Do the math on real Canadian numbers before you spend a dollar. These free tools use 2026 tax brackets, provincial fees, and trade-specific costs. They run in your browser and need no signup.
Sole Proprietorship vs Incorporation: Tax Calculator (Ontario)
Sole proprietor or incorporated in Ontario: compare after-tax income using 2026 tax brackets, CPP rates, and dividend credits. Free, no signup.
Applies in: Ontario Try it → Free toolSole Proprietorship vs Incorporation: Tax Calculator (British Columbia)
Sole proprietor or incorporated in British Columbia: compare after-tax income using 2026 BC tax brackets, CPP rates, and dividend credits. Free, no signup.
Applies in: British Columbia Try it → Free toolSole Proprietorship vs Incorporation: Tax Calculator (Alberta)
Sole proprietor or incorporated in Alberta: compare after-tax income using 2026 Alberta tax brackets, CPP rates, and dividend credits. Free, no signup.
Applies in: Alberta Try it → Free toolGST/HST Registration Checker
Answer two questions about your revenue and activity and see which CRA GST/HST registration rule applies to you, with the guide that walks through it. Free, no signup.
Works across Canada Try it → Free toolIncorporation Cost and Timeline Comparator
Pick a jurisdiction and a filing and see the registry fee and processing timeline the registry itself states, with a link to the registry page for every figure. Free, no signup.
Works across Canada Try it → Free toolSole Proprietor or Incorporated: Which Fits You? (Quiz)
Five questions, no signup: find out whether to start as a sole proprietor or talk to an accountant about incorporating in Canada.
Works across Canada Try it → Free toolPlumbing Startup Cost Estimator (Canada)
Add up your startup costs for a plumbing business in Canada: registration, insurance, van, tools, and more. Free, no signup.
Works across Canada Try it → Free toolPlumbing Business Startup Checklist (Canada)
Thirteen steps from apprentice to first paid job: licensing, registration, insurance, and pricing. Printable and tick-offable. Free, no signup.
Works across Canada Try it → Free toolPlumbing Business First-Year Cash-Flow Planner (Canada)
Month-by-month cash in and out for your first year: one-time startup costs, monthly expenses, and when paying work starts. Free, no signup.
Works across Canada Try it → Free toolFood Truck Rent or Buy Calculator (Toronto)
Should you rent a truck for the season or buy your own? Type your own numbers and see which path costs less over one to five years. Free, no signup.
Applies in: Ontario Try it → Free toolCleaning Startup Cost Estimator (Canada)
Add up your startup costs for a cleaning business in Canada: registration, insurance, bond, equipment, supplies, and more. Free, no signup.
Works across Canada Try it → Free toolPlumbing Cost Estimator (Canada)
How much does a plumber cost in Canada? Hourly rates, service call fees, and typical prices for drains, toilets, faucets, water heaters, and leak repairs — plus a per-fixture estimator for new-construction rough-in and finish work. Free, no signup.
Works across Canada Try it → Free toolSelf-Employed & Freelance Tax Calculator (Ontario)
Freelancer or self-employed in Ontario? Estimate your 2026 income tax and CPP from your freelance income, and see whether CRA will want quarterly instalments. Free, no signup.
Applies in: Ontario Try it → Free toolTrades Pathway Finder: Which Trade Fits You? (Quiz)
Seven questions, no signup: score electrician, plumber, HVAC, welder, carpenter, and gas technician pathways against your interests, education, and province, with links to the matching apprentice guides. Free, no signup.
Works across Canada Try it → Free toolStartup Checklist Builder: Your Province, Your Business
Answer three questions — your province, your business idea, solo or hiring — and get a personalized startup checklist: registration steps, official links, and real costs. Printable, saves in your browser. Free, no signup.
Works across Canada Try it → Free toolApprenticeship Cost Planner: What Trade School Costs
Pick your trade, enter your own tuition, living, and EI numbers — and get a per-school-block cost breakdown, the funding you can actually claim, and a rough payback estimate. Free tool, no signup, nothing leaves your browser.
Works across Canada Try it → Free toolGST/HST Filing Checklist: File Your Return Before the Deadline
Twelve steps to file your GST/HST return in Canada: the access code, the working copy, NETFILE, input tax credits, and the payment — with the October 31 filing-season deadline. Printable and tick-offable. Free, no signup.
Works across Canada Try it → Free toolFurnace Cost Estimator (Canada)
How much does a furnace replacement cost in Canada? Pick your province and furnace tier, then add AC, ductwork, gas service, permit, and travel — grounded in published 2026 cost guides. Free, no signup.
Works across Canada Try it → Free toolCitizenship Physical-Presence Calculator (Canada)
Count your days in Canada against the 1,095-day citizenship rule: enter your permanent residence date, your signing date, and your trips outside Canada. Free, no signup.
Works across Canada Try it → Free toolCitizenship Practice Quiz: Discover Canada Questions
Eight practice questions from Discover Canada, the official study guide, with an explanation for every answer. Free, no signup.
Works across Canada Try it → Free toolMortgage Renew, Switch, or Refinance Decision Tree
Five questions about your term and what you need: renew with your lender, switch lenders, or refinance. Every answer points at the guide for that path. Free, no signup.
Works across Canada Try it → Free toolMortgage Renewal Calculator: Payment + Rate-Hold Window
Enter your balance at renewal, the rate you are comparing, and the amortization you have left to see the monthly payment and the rate-hold window. Free, no signup, no rates stored.
Works across Canada Try it → Free toolLanded Cost Calculator: Importing from the USA to Canada
Work out what a shipment from the USA really costs delivered in Canada: duty, GST or HST, shipping and brokerage — with the $20, $40 and $150 CBSA thresholds applied. Free, no signup.
Works across Canada Try it → Free toolCredential Pathway Finder: Where Do I Start? (Quiz)
Two questions, no signup: tell us your profession and where you are in the process, and get pointed to the guide for your profession, the regulators directory, and the right starting point for your stage. Free, no signup.
Works across Canada Try it → Free toolSmall Business Loan Eligibility Checker (Canada)
Four questions, no signup: match your revenue, age, stage, and use of funds against the published thresholds for CSBFP, Futurpreneur, and BDC routes. Free, no signup.
Works across Canada Try it → Free toolApprenticeship Financial Supports Checker
Answer three questions about your trade, province, and training stage and see which federal apprenticeship supports match the published criteria, with the guide that walks through them. Free, no signup.
Works across Canada Try it → Free toolTravel Document Checker
Answer three questions about your status, destination, and travel mode and see which travel document the agencies say matches, with the guide that walks through it. Free, no signup.
Works across Canada Try it → Free toolBusiness Licence Finder
Pick your activity and province and see which live licence and registration guides match, plus the registry and municipal checks to run next. Free, no signup.
Works across Canada Try it → Free toolFederal Services Portal Finder
Pick what you need to do and who you are, and see the guide for that federal portal plus the official page. Free, no signup.
Applies in: CA Try it → Free toolTrade School and Apprenticeship Finder
Pick a trade and a province and see the apprentice guide, the provincial authority page, and the trade schools guide where one exists. Free, no signup.
Applies in: CA Try it → Free toolGST/HST Filing Frequency Checker
Pick your revenue band and current filing frequency and see the reporting period the CRA chart assigns, plus the election route. Free, no signup.
Applies in: CA Try it → Free toolSecurity Guard Licence Finder
Pick your province or territory and role and see the live security guard licence guide and the regulator page that governs it, with no stored fee figures. Free, no signup.
Applies in: CA Try it → Free toolGST/HST Invoice Requirements Checker
Pick the transaction type and amount band and see what information the CRA input tax credit chart requires on the supporting document. Free, no signup.
Applies in: CA Try it → Free toolFishing and Hunting Licence Finder
Pick your province or territory and activity and see the official fishing or hunting licensing page, plus the live Ontario guide where one exists. Free, no signup.
Applies in: CA Try it → Free tool.CA Domain Price Tracker
Compare .ca domain prices across registrars, renewal first, with the checked date shown and unverified prices left blank. Rechecked daily. Free, no signup.
Works across Canada Try it → Free toolToday's Canadian Dollar Exchange Rates
Bank of Canada daily average rates in Canadian dollars for USD, EUR, GBP, AUD, CHF, and JPY, beside 30-day averages, with a converter at the latest rate. Rechecked each business day. Free, no signup.
Applies in: CA Try it → Free toolBorder Wait Times Today
CBSA wait times for the busiest Canada-US land crossings, as a dated snapshot with per-crossing update times and links to the live CBSA page and CanBorder app. Rechecked daily. Free, no signup.
Applies in: CA Try it → Free toolWhen Do I Get Paid? Next Benefit Payment Dates
Pick a federal benefit and see its next payment date and how many days away it is. Dates only, no amounts. Free, no signup.
Applies in: CA Try it → Free toolCRA Program Account Number Decoder
Type in a CRA program account number and see what each part means — the business number, the program the two letters name, and the reference number. Format only, unofficial. Free, no signup.
Applies in: CA Try it → Free toolCanadian Statutory Holiday Finder
Pick a province or territory and a month and see the statutory holidays, federal vs provincial. Dates only. Free, no signup.
Applies in: CA Try it → Free toolEI Parental Leave Benefits Checker
Answer three questions and see the weeks and application route for EI maternity or parental benefits. Weeks only, no amounts. Free, no signup.
Applies in: CA Try it → Free toolOntario Rent Increase Checker
Enter your current rent and the date an increase would take effect, and see the most your rent can rise under the Ontario rent increase guideline — with the notice deadline and the 12-month rule checked alongside it. Free, no signup.
Applies in: Ontario Try it → Free toolCanada Child Benefit Estimator
Enter your adjusted family net income and the number of children in your care, and see an estimate of your Canada Child Benefit for the July 2026 to June 2027 payment period, worked out with the published Canada Revenue Agency formula. Free, no signup.
Applies in: CA Try it → Free toolOld Age Security Eligibility Checker
Answer four questions about your age, your years living in Canada after age 18, where you live now, and your legal status, and see which Old Age Security rules match your answers. Free, no signup.
Applies in: CA Try it → Free toolSmall Claims Court Checker
Pick your province and enter the amount of your claim, and see which court or tribunal hears it, the monetary limit that applies, and the filing fee — for Ontario, British Columbia, and Alberta. Free, no signup.
Applies in: Ontario, British Columbia, Alberta Try it → Free toolOntario Land Transfer Tax Calculator
Enter your purchase price and first-time buyer status, and see the Ontario land transfer tax by bracket, the first-time homebuyer refund, and the total payable — worked out from the published Ontario.ca rates. Free, no signup.
Applies in: Ontario Try it → Free toolBC Property Transfer Tax Calculator
Enter your purchase price, first-time buyer status, and property type, and see the BC property transfer tax by bracket, the first-time home buyers exemption, and the total payable — worked out from the published Government of BC rates. Free, no signup.
Applies in: British Columbia Try it → Free toolCPP Retirement Pension Estimator
Enter the age you plan to start and your years contributed, and see an estimate of your CPP retirement pension from the published Service Canada maximums and age-adjustment factors. Free, no signup.
Applies in: CA Try it → Free toolCanada Groceries and Essentials Benefit Estimator
Enter your family situation and adjusted family net income and see your estimated Canada Groceries and Essentials Benefit, formerly the GST/HST credit, for July 2026 to June 2027 from the CRA published amounts. Free, no signup.
Applies in: CA Try it → Free toolRRSP Contribution Limit Calculator
Enter last year earned income and your pension adjustment and see your RRSP deduction limit worked out step by step from the CRA 18 percent rule and annual limits. Free, no signup.
Applies in: CA Try it → Free toolTFSA Contribution Room Calculator
Enter the year you turned 18 or became a Canadian resident and see your TFSA contribution room worked out year by year from the CRA annual limits. Free, no signup.
Applies in: CA Try it → Free toolEI Premium Calculator
Enter your insurable earnings and see your Employment Insurance premium for 2026 or 2027 from the CRA published rates, including the lower Quebec rate. Free, no signup.
Applies in: CA Try it → Free toolCPP Contribution Calculator
Enter your pensionable earnings and see your Canada Pension Plan contribution for 2026 from the CRA published rates, including the additional amount above the yearly maximum and the self-employed both-halves option. Free, no signup.
Applies in: CA Try it → Free toolGST/HST Calculator
Enter an amount and a province or territory and see the GST or HST added to a pre-tax price or pulled out of a tax-included total, using the CRA current rates including Nova Scotia at 14%. Free, no signup.
Applies in: CA Try it → Free toolOAS/GIS Estimator
Enter your age, years lived in Canada after 18, marital situation, and annual income and see an estimated Old Age Security pension and Guaranteed Income Supplement for the October to December 2026 quarter. Free, no signup.
Applies in: CA Try it → Free toolEI Sickness Benefit Estimator
Enter your average insurable weekly earnings and expected weeks off and see a simplified estimate of your EI sickness benefit for 2026, at 55% of earnings up to $729 a week for up to 26 weeks. Free, no signup.
Applies in: CA Try it → Free toolIncome Tax Estimator
Enter your employment income, province or territory, and RRSP contributions and see an estimate of your federal and provincial income tax for the 2026 tax year, using the CRA published 2026 brackets. Free, no signup.
Works across Canada Try it → Free toolStudent Loan Repayment Estimator
Enter your federal and provincial student loan balances and see your monthly payment and interest at the prime rate of 4.70% effective October 29, 2026. Free, no signup.
Applies in: British Columbia, Alberta, Saskatchewan, Manitoba, Ontario, Quebec, New Brunswick, Nova Scotia, Prince Edward Island, Newfoundland and Labrador Try it → Free toolRRSP vs TFSA Comparison Tool
Compare the after-tax value of the same out-of-pocket amount in an RRSP and a TFSA with the CRA 2026 limits of $7,000 and $33,810. Free, no signup.
Applies in: CA Try it → Free toolMortgage Payment Calculator
Enter a purchase price and down payment and see the minimum down payment, CMHC premium, and monthly payment for a new purchase. Free, no signup.
Works across Canada Try it → Free toolEI Parental Benefit Estimator
Enter your average insurable weekly earnings and weeks to claim and see your EI parental benefits under the standard and extended options at the 2026 maximums of $729 and $437 a week. Free, no signup.
Applies in: CA Try it → Free toolCapital Gains Tax Calculator
Enter a sale price, cost base, and other income and see the tax on a capital gain at the 50% inclusion rate under the CRA 2026 brackets. Free, no signup.
Works across Canada Try it → Free toolRESP Grant Estimator
Enter the child's age, your contribution, and your family income and see this year's CESG, additional grant, and Canada Learning Bond under the 2026 thresholds. Free, no signup.
Applies in: CA Try it → Free toolEI Regular Benefit Estimator
Enter your average insurable weekly earnings, insurable hours, and regional unemployment rate, and see your estimated EI regular benefit for 2026 — 55% of earnings up to $729 a week, for 14 to 45 weeks from Service Canada's table. Free, no signup.
Applies in: CA Try it → Free toolFirst Home Savings Account Calculator
Enter your annual FHSA contribution, years to purchase, and your own expected return and marginal tax rate, and see the projected account value at purchase under the CRA 2026 limits of $8,000 a year and $40,000 lifetime. Free, no signup.
Applies in: CA Try it → Free toolMortgage Affordability Calculator
Enter your gross household income, other monthly debts, down payment, and interest rate, and see the maximum home price you can afford under the stress test — GDS 39% and TDS 44% at the higher of your rate plus 2% or 5.25%. Free, no signup.
Applies in: British Columbia, Alberta, Saskatchewan, Manitoba, Ontario, Quebec, New Brunswick, Nova Scotia, Prince Edward Island, Newfoundland and Labrador Try it → Free toolRent vs Buy Calculator
Enter your rent, the home price, down payment, and mortgage rate, plus your own assumptions for price growth, rent increases, and maintenance, and see the total cost of renting versus buying and the break-even year. Free, no signup.
Applies in: British Columbia, Alberta, Saskatchewan, Manitoba, Ontario, Quebec, New Brunswick, Nova Scotia, Prince Edward Island, Newfoundland and Labrador Try it → Free toolCanada Workers Benefit Estimator
Enter your working income and adjusted net income, and see your estimated Canada Workers Benefit for the 2026 tax year — up to $1,665 single or $2,869 family — with the advance payments and the balance on your return. Free, no signup.
Applies in: CA Try it → Free toolChild Care Expense Deduction Calculator
Enter your children by age band, the child care expenses you paid, and each spouse's earned income, and see the maximum deduction on line 21400 — $8,000 under 7, $5,000 aged 7 to 16, $11,000 disability tax credit — and which spouse claims it. Free, no signup.
Applies in: CA Try it → Free toolHome Office Expense Calculator
Enter your home office size, your home size, and the household expenses you paid, and see the deductible work-space share of each expense under the CRA detailed method. The $2-a-day flat rate ended with the 2022 tax year. Free, no signup.
Applies in: CA Try it → Free toolBusiness Loan Payment Calculator
Enter a loan amount, an annual interest rate, and an amortization period, and see the payment per period, the total interest, and the total cost — amortization arithmetic only, no lender rate and no approval. Free, no signup.
Applies in: CA Try it → Free toolPayroll Deduction Calculator
Enter your gross pay per period, pay frequency, and province, and see an estimate of your CPP, EI, and income tax withheld per period and your net pay, using the 2026 CRA rates and ceilings. Free, no signup.
Applies in: CA Try it → Free toolDisability Tax Credit Estimator
Pick your province and the claimant age, and see an estimate of the federal and provincial disability tax credit for the 2026 tax year. Non-refundable, and CRA approval of Form T2201 is required before anything is claimed. Free, no signup.
Applies in: CA Try it → Free toolHome Buyers' Plan Calculator
Enter your RRSP balance, the amount you plan to withdraw, and how many years until you buy, and see the most you can withdraw under the $60,000 Home Buyers' Plan limit, your annual repayment, and your projected RRSP balance at purchase. Free, no signup.
Applies in: CA Try it → Free toolSmall Business Tax Calculator
Enter your corporation active business income, your province, and any other income, and see an estimate of the federal and provincial tax at the 9% federal small business rate for the 2026 tax year. CCPC active business income only. Free, no signup.
Applies in: CA Try it → Free toolSeverance Pay Calculator
Estimate statutory minimum termination pay and severance pay under Ontario's Employment Standards Act or the Canada Labour Code, from years of service and weekly pay. Minimums only. Free, no signup.
Applies in: CA Try it → Free toolVacation Pay Calculator
Estimate minimum vacation pay at 4%, 6% or 8% of gross wages for Ontario, British Columbia, Alberta or a federally regulated job, from wages and years of service. Free, no signup.
Applies in: CA Try it → Free toolOvertime Pay Calculator
Estimate overtime pay at time-and-a-half past the Ontario, Alberta, federal or British Columbia threshold in force, from an hourly rate and hours worked. Free, no signup.
Applies in: CA Try it → Free toolBC Rent Increase Calculator
Work out the most a BC landlord can raise rent under the yearly limit — 2.3% for 2026 and 2.2% for 2027 — from the current rent. Free, no signup.
Applies in: British Columbia Try it → Free toolCMHC Mortgage Insurance Premium Calculator
Estimate the CMHC mortgage loan insurance premium and total mortgage from a home price, down payment and amortization, using CMHC's premium schedule. Free, no signup.
Applies in: CA Try it → Free toolHourly Wage Calculator
Convert an annual salary to an hourly rate, or an hourly rate to an annual salary, using your hours per week and weeks per year. Free, no signup.
Applies in: CA Try it → Free toolBreak-Even Calculator
Work out how many units you need to sell to cover your costs, from your fixed costs, price per unit and variable cost per unit. Free, no signup.
Applies in: CA Try it → Free toolCar Lease vs Buy Calculator
Compare the total cost of leasing a car with buying the same car over the same term, from your own lease, loan and resale figures. Free, no signup.
Applies in: CA Try it → Free toolMarkup and Margin Calculator
Work out markup percentage, gross margin percentage and gross profit from a cost and a selling price, or the price a target markup or margin points to. Free, no signup.
Applies in: CA Try it → Free toolOntario Rent Increase Calculator
Enter your current rent and the year an increase takes effect, and see the dollar increase and the highest new rent under the Ontario rent increase guideline for that year — 2.5% for 2025, 2.1% for 2026, 1.9% for 2027. Free, no signup.
Applies in: Ontario Try it → Free toolRRIF Minimum Withdrawal Calculator
Enter your RRIF value at January 1 and the age at January 1, and see the minimum withdrawal for the year from the Canada Revenue Agency prescribed factor for that age. Free, no signup.
Applies in: CA Try it → Free toolStatutory Holiday Pay Calculator
Pick Ontario, British Columbia, Alberta, or the federal rules and enter the wages from the look-back period, and see the holiday pay for a day off and the total if the employee works the holiday, from each regime's published formula. Free, no signup.
Applies in: CA Try it → Free toolCompound Interest Calculator
Work out a final balance, total contributions and total interest from a starting amount, an annual rate, years, compounding frequency and an optional monthly contribution. Free, no signup.
Applies in: CA Try it → Free toolSavings Goal Calculator
Work out how long a savings goal takes from your current savings, a monthly contribution and an expected annual return, plus what you put in and what is interest. Free, no signup.
Applies in: CA Try it →