Mortgage Calculator
Calculate monthly payments, total interest, and full amortization schedule.
🍁 Built for Canadians
Smart calculators
Smart calculators
for your financial life.
Free, accurate financial calculators built for Canadians. No sign-up required.
10+
Calculators
100%
Free
🍁
Canada-specific
Popular Calculators
Everything you need to make smarter financial decisions.
TFSA Calculator
Project your Tax-Free Savings Account growth and track contribution room.
RRSP Calculator
Estimate RRSP growth, calculate your tax refund by province.
FHSA Calculator
Plan your first home purchase with FHSA contribution tracking.
Compound Interest Calculator
See how compound interest grows your investments over time.
Car Loan Calculator
Calculate monthly payments and true cost of ownership for any vehicle.
Loan Calculator
Calculate payments and total interest for any personal or student loan.
RESP Calculator
Calculate RESP growth with the 20% Canada Education Savings Grant.
Budget Calculator
Track income vs expenses and get a personalized Budget Health Score.
Income Tax Calculator
Calculate federal and provincial income tax for all 13 provinces.
OAS Calculator
Calculate your Old Age Security pension, GIS eligibility, clawback, and deferral bonus.
Salary vs Hourly Calculator
Convert between annual salary and hourly wage with full pay period breakdown and vacation adjustments.
Salary to Hourly Calculator
Convert any annual salary to hourly wage — or any hourly rate to annual salary — for any pay period.
Debt Payoff Calculator
Compare avalanche vs snowball strategies. See when each debt is paid off and how much interest you save.
TFSA Room Calculator
Find out exactly how much TFSA contribution room you have in 2026 based on your birth year and contribution history.
Rent vs Buy Calculator
Compare the true financial outcome of renting versus buying a home over 5, 10, or 25 years.
Mortgage Affordability
Find out how much house you can afford using the OSFI stress test and GDS/TDS ratios.
Land Transfer Tax Calculator
Calculate LTT for every Canadian province. Includes first-time buyer rebates and Toronto municipal tax.
RRIF Calculator
Calculate mandatory RRIF minimum withdrawals using official CRA prescribed factors.
Net Worth Calculator
Calculate your total assets, liabilities, and net worth. Compare to Canadian benchmarks by age.
Paycheck Calculator
Calculate your exact take-home pay after federal tax, provincial tax, CPP, and EI for all provinces.
GST/HST Calculator
Add or remove GST, HST, or PST for all 13 Canadian provinces and territories.
Inflation Calculator
See how inflation erodes purchasing power over time using Canadian CPI data.
CPP Calculator
Estimate your Canada Pension Plan benefit at age 60, 65, or 70.
Built for Canadian Personal Finance
Canadian personal finance is genuinely different. TFSAs, RRSPs, CPP, OAS, CMHC, the mortgage stress test, HST, land transfer tax — these are Canadian realities that generic calculators from the US ignore or get wrong. Every tool on Northern Numbers is built specifically for Canada, uses current 2026 rates, and is completely free.
🏦
Registered Accounts
TFSA growth projections, TFSA contribution room by birth year, RRSP growth and tax refund estimates, FHSA first-home savings, RESP with Canada Education Savings Grant, and RRIF minimum withdrawal schedules using official CRA prescribed factors.
🏠
Real Estate & Mortgages
Mortgage payments with Canadian semi-annual compounding, mortgage affordability using the OSFI stress test and GDS/TDS ratios, land transfer tax for all 13 provinces including Toronto municipal tax and first-time buyer rebates, and a rent vs buy comparison.
🧾
Tax Calculators
Federal and provincial income tax for all 13 provinces and territories using 2026 brackets, take-home paycheck calculator with CPP, CPP2, and EI, GST/HST calculator for all provinces, and an inflation calculator using Canadian CPI data.
🇨🇦
Retirement Planning
CPP benefit estimates at age 60, 65, and 70 with deferral bonuses, OAS pension with GIS eligibility and clawback thresholds, and RRIF minimum withdrawals by age with year-by-year balance projections — all using 2026 CRA rules.
Always Free. Always Accurate.
Northern Numbers is free to use with no account, no paywall, and no locked features. Every calculator is built from primary sources — CRA tables, Statistics Canada data, OSFI guidelines, and provincial government schedules — and updated when rates change. We are based in Ontario, Canada.
Results are estimates for planning purposes. Always verify important figures with your financial institution, CRA My Account, or a qualified advisor before making major financial decisions. See our full disclaimer.