Canadian Financial & Tax Calculation Suite
Precision computational utilities built specifically for Canadian taxpayers, homebuyers, and retirement investors. Every equation executes 100% inside your browser's volatile memory.
🍁 Production Canadian Engines
21 ACTIVE TOOLSPaycheck & Income Tax Calculator
Compute exact take-home pay across all 13 provinces and territories. Includes Federal CRA brackets, Ontario surtax/OHP, CPP/CPP2 caps, and EI deductions.
Mortgage & CMHC Insurance Calculator
Model mortgage amortization with Canadian Interest Act semi-annual compounding, $1.5M insured cap tiers, CMHC PST, and OSFI stress testing.
RRSP vs. TFSA Optimizer
Definitive retirement decision engine comparing after-tax wealth, marginal tax bracket arbitrage, tax refund reinvestment, and OAS clawback shielding.
Land Transfer Tax & Rebates
Calculate provincial and municipal land transfer taxes with full First-Time Homebuyer rebates (up to $8,475 in Toronto), BC exemptions, and Quebec Welcome Tax.
FHSA Down Payment Calculator
Model down payment growth with $8,000 annual deductions, tax refund compounding, spousal $16,000/yr doubling, and tax-free qualifying withdrawals.
Capital Gains Tax (66.7% Rule)
Calculate taxes on investments, cottages, and rentals under the two-tier inclusion rate: 50% on gains up to $250k and 66.67% on amounts exceeding $250k.
Sales Tax Calculator (GST/HST/PST)
Add sales tax or reverse extract pre-tax amounts from total receipts across all 13 provinces with full GST, HST, PST, and Quebec QST itemization.
Home Affordability Calculator
Determine your maximum qualified home purchase price under Canadian OSFI Guideline B-20. Evaluates GDS 39% and TDS 44% ratios with stress-test interest rates.
Rent vs. Buy Calculator
Find your exact financial breakeven year between homeownership and renting with disciplined index fund investing. Models PRE tax exemptions, LTT friction, and semi-annual debt.
Reverse Mortgage Calculator
Calculate borrowing limits (15% to 55% LTV) for Canadians age 55+. Models tax-free cash, compound interest accrual, zero monthly payments, and preserved estate equity.
CPP & OAS Breakeven Calculator
Compare lifetime pension wealth taking CPP early at 60 (-36%), standard at 65, or delayed to 70 (+42% CPP / +36% OAS). Includes inflation COLA and OAS clawback modeling.
RRIF Minimum Withdrawal Calculator
Calculate mandatory annual RRIF withdrawals under CRA prescribed rates (5.28% at 71 to 20% at 95+), younger spouse age election, and withholding tax tiers on excess.
Dividend Tax Credit Calculator
Calculate federal and provincial Dividend Tax Credits for eligible (38% gross-up) and non-eligible (15% gross-up) dividends. Models up to $55k tax-free thresholds.
Canada Child Benefit (CCB) Calculator
Calculate exact monthly tax-free CCB payments with child age tiers ($7,787 under 6 / $6,570 ages 6–17), dual AFNI phase-out thresholds, provincial top-ups, and RRSP boosters.
Auto Lease vs. Buy Calculator
Compare car leasing vs financing with Canadian provincial trade-in sales tax credits (GST, HST, PST, QST), lease money factors, residuals, and 8-year cumulative equity retention.
Severance & EI Pay Calculator
Calculate your true severance entitlement in Canada comparing statutory ESA floors against Common Law Bardal reasonable notice (up to 24 months), CRA tax withholding, and EI delays.
RESP & CESG Match Calculator
Project your child's education savings to age 18. Maximizes the 20% federal CESG match ($500/yr up to $7,200), Canada Learning Bond ($2,000 CLB), BC/Quebec incentives, and compound growth.
Canada Carbon Rebate (CCR) Calculator
Calculate quarterly tax-free federal fuel charge returns across participating provinces. Includes single parent rates, the doubled 20% rural supplement, and net carbon fuel balance.
Home Buyers' Plan (HBP) Calculator
Model your 15-year RRSP HBP repayment schedule with Budget 2024 $60k limits ($120k for couples), temporary 5-year grace period relief, and CRA Line 12900 tax shortfall penalties.
Life Insurance & CPP Death Benefit Calculator
Calculate exact family coverage needs under the Canadian DIME model. Factors in mortgage balances, education costs, and offsets for the statutory $2,500 CPP Death Benefit.
Corporate Salary vs. Dividend Optimizer
Optimize owner-manager compensation for Canadian small businesses. Models the 9% federal SBD rate, provincial corporate taxes, CPP/CPP2 obligations, and net personal cash in pocket.
🚀 Next Canadian Engines In Development
Additional statutory engines currently in active engineering for the Canadian portal: