All tools, one place.
Every tool is interactive, runs in your browser, and uses real Canadian numbers from CRA, Bank of Canada, OSFI, and CMHC. Use them without an account; take them with you when you sign up.
Salary Tax Calculator
What you take home after tax - with CPP, EI, RRSP refund, and pay frequency.
Open toolHome Affordability & Mortgage
What you can afford - OR the monthly cost of a specific home. Two tools in one.
Open toolDebt Payoff Planner
Avalanche vs snowball, side by side. See the date you'll be debt-free.
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 toolBudget Planner
Track spending, see 50/30/20 zones, and project your savings 10 years out.
Open toolBuy vs Rent
The math everyone gets wrong. Net worth in 10 years, both paths.
Open toolGrowth Calculator
Compound growth + a what-if scenario simulator. Two views, same numbers.
Open toolTFSA vs RRSP
Which account wins for your income, age, and time horizon?
Open toolStatement Analyzer
Upload your CC/bank statement (PDF or CSV). See exactly where every dollar went - and what to cut.
Open toolRetirement Planner
CPP claim age + a Monte Carlo drawdown - when to claim and will it last.
Open toolCredit Card Worth
Which Canadian card ACTUALLY pays you the most for your real spending?
Open toolReal Hourly Wage
Your $80k salary isn't $40/hr. After tax, CPP, commute - see the honest number.
Open toolCar Affordability
New vs used car math against your salary. Real monthly cost, real verdict.
Open toolBank Fee Finder
Five taps to reveal every fee - and what they cost you over 10 years.
Open toolMoney Steps
The 10-step Canadian order of operations for managing money.
Open toolRESP Planner
Maximize the 20% Canada Education Savings Grant. Project balance at age 18.
Open toolPortfolio Tools
Audit your holdings (MER, allocation), then walk through moving to low-cost ETFs.
Open toolCRA Refund Calculator
Find money the CRA owes you - missed deductions, credits, and CPP/EI overpayment from multiple jobs.
Open toolInsurance Needs
How much term life coverage do you actually need?
Open toolCRA My Account Checklist
Step-by-step: log in, find your TFSA/RRSP/FHSA room, set up direct deposit.
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