WealthCalc 🍁

🍁 Built for Canadians · Free · No Signup

Your money,
finally clear.

Plain-English financial calculators with real-time sliders. TFSA, RRSP, mortgage, debt payoff, compound interest, and more.

12

Free Calculators

🍁

Canadian-First

0

Signups Needed

Savings & Growth Calculators

📈

Compound Interest

See your money grow over time

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Initial investment ($)

Monthly contribution ($)

Annual interest rate 6%

Time horizon 20 years

Compounding frequency

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Total portfolio value

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Total contributed—

Interest earned—

Interest as % of total—

🏦

Net Worth Calculator

Assets minus liabilities

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Assets

Home value ($)

Vehicle(s) ($)

Savings / chequing ($)

TFSA balance ($)

RRSP balance ($)

Other investments ($)

Other assets ($)

Liabilities

Mortgage balance ($)

Car loan balance ($)

Credit card debt ($)

Student loans ($)

Other debts ($)

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Your net worth

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Total assets—

Total liabilities—

Debt-to-asset ratio—

🌅

Retirement Savings

Will you have enough?

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Current age

Retirement age

Current savings ($)

Monthly contribution ($)

Expected annual return 6%

Desired monthly income in retirement ($)

CPP/OAS monthly estimate ($)

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Projected retirement savings

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Years to retirement—

Savings needed (25× rule)—

Monthly shortfall/surplus—

On track?—

Debt & Loan Calculators

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Debt Payoff Calculator

How much interest extra payments save

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Debt balance ($)

Interest rate (%)

Minimum payment ($/month)

Extra monthly payment $100

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Minimum Payments

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—

With Extra Payment

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—

✓ SAVES MORE

Interest saved—

Time saved—

🚗

Loan Payment Calculator

Car, personal, student loans

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Loan amount ($)

Annual interest rate 6.5%

Loan term 5 years

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Monthly payment

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Total paid—

Total interest—

Interest as % of loan—

⚠️

Credit Card Minimum Payment

The true cost of paying minimums only

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Credit card balance ($)

Interest rate (%)

Minimum payment (% of balance or fixed)

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Years to pay off on minimums only

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Total interest paid—

Total amount paid—

Interest multiplier—

Property Calculators

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Mortgage Payment

Canadian amortization calculator

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Home price ($)

Down payment 20% ($100,000)

Interest rate 5.5%

Amortization period 25 years

Payment frequency

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Monthly payment

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Mortgage amount—

CMHC insurance—

Total interest paid—

Total cost of home—

⚖️

Rent vs Buy

Which makes more financial sense?

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Home price ($)

Monthly rent ($)

Down payment ($)

Mortgage rate (%)

Annual home appreciation (%)

Investment return if renting (%)

Time horizon 10 years

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Buying

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Net wealth after — years

Renting + Investing

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Net wealth after — years

🍁 Canadian-Specific Calculators

🇨🇦

TFSA Contribution Room

How much can you contribute?

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Year you turned 18 (or 2009 if earlier)

Total TFSA contributions to date ($)

Total TFSA withdrawals to date ($)

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Available TFSA contribution room

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Lifetime limit (your start year)—

2025 annual limit$7,000

Net contributions—

🇨🇦

RRSP Contribution & Tax Savings

Deduction room and refund estimate

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Annual earned income ($)

Unused RRSP room ($)

Province

RRSP contribution amount ($)

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Estimated tax refund

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2025 contribution room—

Marginal tax rate—

Effective refund rate—

🧾

GST / HST Calculator

Add or remove tax by province

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Amount ($)

Province

Calculation direction

Before tax—

Tax amount—

After tax (total)—

Tax rate applied—

📊

Canadian Income Tax Estimator

Federal + provincial tax estimate

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Employment income ($)

Province

RRSP contributions ($)

Other deductions ($)

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Estimated take-home pay (annual)

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Federal tax—

Provincial tax—

CPP contribution—

EI premium—

Effective tax rate—

Monthly take-home—

Canadian Finance & Money News

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