Get a real Canadian number. In 5 seconds.
Free, private calculators built on the latest CRA and Bank of Canada numbers. No sign-up, no upload, no spreadsheet — just drag a slider and see the answer.
Plus a private expense tracker that auto-categorizes your bank statements, and 14 plain-English courses — from your first TFSA to retirement drawdown.
Independent · No ads · No affiliate kickbacks · Live CRA / BoC numbers
You keep
$57,985
$4,832 / month after federal, provincial, CPP & EI
Federal
$8,198
Provincial
$3,461
CPP
$4,246
EI
$1,109
Estimate · Real CRA brackets · No data leaves your browser
Popular calculators · pick one
See all 24Tax & take-home
What you actually keep
TFSA vs RRSP
Which one wins for you
Mortgage payments
Real BoC rates, real numbers
Buy vs rent
10-year cost comparison
Home affordability
What you can actually afford
Total comp
Salary, RSUs, bonus, benefits
Compound growth
Where $X turns into $Y
CPP overpayment
Refund check from CRA
🇨🇦 Canada's key rates today
The four numbers that drive everything else.
Source: Bank of Canada Valet API. Click any rate to learn what it drives in your finances.
See all Canada numbersStart with a course, not a crisis.
Fourteen focused learning paths — from money foundations to investing, from taxes to spotting scams. Each module includes real Canadian numbers and a quiz.
Money Foundations
The basics. Budgets, bills, banks, debt.
How Canada's Money Works
Bank of Canada, CDIC, OSFI, FCAC — the system behind your money.
Build a Perfect Credit Score
From thin file to 850 — the full playbook.
Spotting Canadian Scams
CRA phone scams, e-Transfer theft, rental fraud, and the ones targeting newcomers.
Canadian Investing Strategies
Couch Potato, asset location, dividend tax, US withholding — the Canada-specific playbook.
Withdrawing from TFSA, RRSP, FHSA
The rules nobody explains — withholding, penalties, re-contribution, HBP, LLP.
Newcomer Roadmap
Your first 12 months in Canada, financially.
Registered Accounts
TFSA, RRSP, FHSA, RESP — every account, when to use it.
Tax Mastery
Brackets, credits, deductions, the CRA.
Investing Basics
ETFs, MERs, robo-advisors, DIY portfolios.
Buying a Home
Down payments, mortgages, FHSA, the stress test.
Side Hustle Money
Self-employment, GST/HST, write-offs.
Retirement Planning
CPP, OAS, RRIF, withdrawal strategies.
Track Your Money in 30 Minutes/Month
The single habit that saves Canadians $2,400/year on average.
Calculators that give you real numbers.
Every tool runs in your browser. Plug in your situation; get a real answer — no account, no upload.
Statement Analyzer
Upload your CC/bank statement (PDF or CSV). See exactly where every dollar went — and what to cut.
Open toolSalary Tax Calculator
What you take home after tax — with CPP, EI, RRSP refund, and pay frequency.
Open toolBudget Planner
Track spending, see 50/30/20 zones, and project your savings 10 years out.
Open toolLifestyle Reality Check
Struggling, comfortable, or luxury? See where your household lands vs Canadians — and what a good life costs to save for.
Open toolTFSA vs RRSP
Which account wins for your income, age, and time horizon?
Open toolHome Affordability & Mortgage
What you can afford — OR the monthly cost of a specific home. Two tools in one.
Open toolMoney Steps
The 10-step Canadian order of operations for managing money.
Open toolOne question. Smarter every day.
A new Canadian money question every day. Build a streak, earn MoneyCoins (just for fun — no real value, just bragging rights!), and level up.
Fact or Fiction?
You can contribute $10,000 to your TFSA every year, forever.
Learn by living their decisions.
Follow real Canadian characters through real money moments. Every choice has consequences.
The First Paycheque
First job, first paycheque, first big choices
The First Year
Newcomers building from zero in Canada
The RESP Decision
Family of four, mortgage, RESPs
Should I Take CPP at 60?
10 years from retirement, optimising the runway
Can you defeat
The Hidden Fee Hydra?
Five heads. Five fees you've been paying without knowing. Each correct answer severs a head — and saves you real money.
Free because I needed this tool myself.
Created by a fellow immigrant who got tired of hidden fees, scams, and tools that cost $150/year. Now it's free for everyone.
Sourced from primary Canadian data
Tax brackets from CRA. Rates from Bank of Canada Valet API. Product data scraped nightly from official bank pages. Every number has a source you can verify.
Bank of Canada rates →Independent — no paid placements
We are not affiliated with any bank, brokerage, or insurer. Product rankings are computed from attributes (fees, rates, features), not marketing budgets.
How we stay independent →Your data stays on your device
Tools run in your browser. Your profile, statements, and calculations are stored in localStorage only. Nothing is uploaded or shared.
Privacy details →Written by Canadians for Canadians
Content is reviewed against Statistics Canada, CRA, OSFI, FCAC, and IRCC guidance. When rules change, we update the content and show the edit date.
Browse the glossary →Three steps. Five minutes.
Import or add transactions
Upload a bank statement (PDF or CSV) or add expenses manually. We auto-categorize everything — and learn from your corrections.
See where your money goes
Spending donut, monthly trends, hidden fee alerts, subscription tracker. Everything visual — no spreadsheet skills needed.
Save more every month
Get personalized tips: which subscriptions to cancel, which fees to avoid, whether TFSA or RRSP is better for you. 30 minutes/month saves $200+.
Our aim
MyMoneyMap isn’t here to replace the tools or content you already trust. The goal is simpler: put everything a Canadian actually needs — trackers, calculators, courses, comparisons — in one place, with visuals that make it easy to understand, privacy and security baked in, and no cost, ever.
Your money deserves better than a spreadsheet.
Start tracking in 5 minutes. Import a statement, learn something new, or just explore. It's free. It's private. It's yours.
Educational content only. Not affiliated with any bank, brokerage, or insurer. Your data never leaves your device.