Free tools, built for Canada
Most calculators online are built on American rules. Canadian mortgages compound differently, and RRSPs and TFSAs have no American equivalent, so the numbers you get back are quietly wrong. I built these three for Canada. They are free, and nothing you type ever leaves your device.
Mortgage calculator
Built on the Canadian rule that fixed-rate mortgages compound semi-annually, with CMHC premiums, accelerated payments and a full schedule.
Open the calculatorDebt snowball calculator
List what you owe, add whatever extra you can find, and see the payoff order and the month you are finally done.
Open the calculatorRRSP vs TFSA projection
The comparison most people get wrong. Same money into each, and see which one actually leaves you with more.
Open the calculatorA word on what these are for
They are here to help you see your own numbers clearly, and to give us something concrete to talk about. They are education, not advice. I provide financial coaching, not licensed financial, mortgage, investment or tax advice, so check anything important with your lender, accountant or a licensed advisor before you act on it.
Ready when you areLet’s find your path
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30 minutes, no obligation, no cost.