Canadian Money Tools, Made Simple
Free calculators and plain-English guides for Ontario salary, mortgages, car loans, debt, TFSA, RRSP and everyday Canadian money questions.
Popular calculators
Ontario Salary Calculator
Estimate Ontario take-home pay by salary.
Open calculator →Hourly Wage Calculator
Convert an hourly wage into annual, monthly, biweekly and weekly gross pay.
Open calculator →Mortgage Calculator
Estimate monthly mortgage payments and total interest.
Open calculator →Mortgage Affordability
Estimate a home price using income, debt, rate and down payment.
Open calculator →Down Payment Calculator
See your down payment percentage and common 5%, 10% and 20% thresholds.
Open calculator →Car Loan Calculator
Estimate vehicle financing, HST and monthly payments in Ontario.
Open calculator →Lease vs Finance
Compare scheduled lease and finance cash outlays.
Open calculator →Debt Payoff Calculator
Estimate payoff time and interest for a fixed monthly payment.
Open calculator →GST/HST Calculator
Calculate sales tax and tax-inclusive totals.
Open calculator →TFSA Calculator
Estimate remaining TFSA room from your own inputs.
Open calculator →RRSP Calculator
Estimate an illustrative RRSP deduction limit from income and contributions.
Open calculator →Ontario salary guides
Explore gross-to-net salary examples and learn how federal tax, Ontario tax, CPP and EI affect paycheques.
See $60,000 salary2026 guides
Understand marginal tax rates, CPP2, Ontario health premium, and TFSA vs RRSP decisions.
Read the guidesAbout these estimates
Canada Money Tools is an educational resource. Calculator outputs are estimates and are not financial, tax, legal or mortgage advice. Use official CRA and lender documents for final figures.