Plan your financial future with our free Canadian investment calculators. See how your money grows over time.
See how your investments grow over time with the power of compounding.
Uses monthly compounding: each month, the balance earns interest at the annual rate divided by 12, then the monthly contribution is added. Formula: Balance = Balance x (1 + r/12) + Monthly Contribution, repeated for each month. This assumes a constant rate of return and regular monthly contributions made at the end of each month.
See how much your TFSA could be worth. All growth is 100% tax-free.
All growth inside a TFSA is completely tax-free. Learn more about TFSAs
Same monthly compounding formula as above. Annual contributions are split into 12 equal monthly deposits. The 2026 TFSA annual limit is $7,000. All returns inside a TFSA are tax-free, so the full amount shown is what you keep — no tax adjustment needed. Assumes contributions are made evenly throughout the year.
See how much you'll save on taxes this year by contributing to your RRSP.
This is a simplified estimate based on marginal tax rates. Actual savings depend on your full tax situation. Learn more about RRSPs
Multiplies your RRSP contribution by your estimated marginal tax rate (federal + provincial). Uses 2026 federal brackets: 14% up to $58,523, 20.5% to $117,045, 26% to $181,440, 29% to $258,482, 33% above. Provincial rates shown are the lowest bracket rate for each province — a simplification. Actual savings may vary if your contribution spans multiple brackets or if you have other deductions and credits.
Estimate your monthly mortgage payment and see the total cost over the life of the mortgage.
Based on Canadian semi-annual compounding. Does not include property tax, insurance, or CMHC premiums. Learn more about mortgages
Canadian mortgages are compounded semi-annually, not monthly (unlike the US). The posted annual rate is divided by 2, then converted to an effective monthly rate using: Monthly Rate = (1 + Annual Rate / 2)^(1/6) - 1. The standard amortization formula then calculates the monthly payment. Does not account for CMHC mortgage insurance (required if down payment is under 20%), property taxes, home insurance, or strata fees.
Our calculators give you estimates. A qualified Canadian financial advisor gives you a plan. Free consultation, no obligation.