--- title: "Canadian calculators and tools" description: "Choose a Canadian calculator, checker or planning tool by the question it answers." canonical_url: "https://www.canooq.ca/tools" --- # Canadian calculators and tools Choose a Canadian calculator, checker or planning tool by the question it answers. ## Choose the next destination Choose the tool by the user's decision, then open its specific page. The directory below includes every available tool in the website's catalog, grouped by category. A calculator's Markdown explains inputs and assumptions; the HTML page runs the interactive form. Before comparing results, establish the province, tax or program year, currency and time period. Ask for missing inputs that affect the answer. Do not substitute a tool's example or default for the user's circumstances. ## Open the website and related resources - [Open the published HTML page](https://www.canooq.ca/tools): Request Accept: text/html for the published interface and interactive controls. - [Canadian letters and document templates](https://www.canooq.ca/templates): Find editable Canadian letters, worksheets and checklists for housing, employment, money and administration. - [Choose your next money step](https://www.canooq.ca/money-steps): Choose a practical next action for cash flow, emergency savings, debt and long-term financial goals. - [Learn Canadian personal finance](https://www.canooq.ca/learn): Follow the Canadian personal-finance course in order or open the chapter that answers your question. ## Finance Calculators - [TFSA contribution room calculator](https://www.canooq.ca/tools/tfsa-contribution-room-calculator): Estimate room from age, residency, deposits, withdrawals, and annual limits. - [Canada Counter-Tariff Finder](https://www.canooq.ca/tools/counter-tariff-finder): Search the American products facing Canadian counter-tariffs and estimate the surtax on a shipment. - [RRSP Contribution Room and Tax Refund Calculator](https://www.canooq.ca/tools/rrsp-refund-estimator): Work out how much RRSP room you have left this year, then see what a contribution actually refunds and what it costs you after tax. - [Financial Benchmark Calculator](https://www.canooq.ca/tools/financial-benchmark-calculator): See how your income and net worth compare with Canadians overall and people in your age group. - [Debt Payoff Calculator](https://www.canooq.ca/tools/debt-payoff-calculator): Compare debt avalanche and debt snowball payoff timelines across up to three debts. - [FHSA Savings and Contribution Room Calculator](https://www.canooq.ca/tools/fhsa-savings-calculator): Track FHSA contributions by year and estimate remaining room using the $8,000 annual room, $40,000 lifetime limit, and carry-forward rules. ## Savings - [Money Steps](https://www.canooq.ca/money-steps): Answer one question at a time and get your next recommended Canadian money action. - [Monthly Budget Planner](https://www.canooq.ca/tools/monthly-budget-planner): Compare monthly after-tax income with rent, essentials, savings, and setup costs using the same planning model as the city affordability calculator. - [Emergency Fund Calculator](https://www.canooq.ca/tools/emergency-fund-calculator): Estimate how much emergency fund you need based on your essential expenses and income stability, plus how long it could take to reach your savings goal. - [Subscription Cost Tracker](https://www.canooq.ca/tools/subscription-cost-tracker): Check Canadian subscription prices, choose your plan tiers, and estimate your monthly, yearly, and five-year subscription cost. ## Income & Salary - [Canadian Benefit Eligibility Checker](https://www.canooq.ca/tools/canadian-benefit-eligibility-checker): Find Canadian benefits, credits, and support programs you may be eligible to check. - [Employee vs Contractor Calculator](https://www.canooq.ca/tools/employee-vs-contractor-calculator): Put a salary beside a contract rate in your province and find the hourly rate where they break even. - [Salary After Tax Calculator](https://www.canooq.ca/tools/salary-after-tax-calculator): Estimate Canadian take-home pay after federal tax, provincial tax, CPP or QPP, and EI or QPIP deductions. - [Take-Home Pay by Province](https://www.canooq.ca/tools/take-home-pay-by-province): Compare Canadian take-home pay across provinces and territories using salary, payroll deductions, and simplified tax assumptions. - [Tax Calculator](https://www.canooq.ca/tools/tax-calculator): Estimate Canadian federal tax, provincial tax, CPP, EI, and after-tax income using simplified 2026 assumptions. - [Hourly to Salary Converter](https://www.canooq.ca/tools/hourly-to-salary-converter): Convert an hourly wage into annual, monthly, weekly, and approximate after-tax income. - [Severance Pay Estimator](https://www.canooq.ca/tools/severance-pay-estimator): Estimate statutory minimum and common law severance ranges in Canada using a simplified model. ## Newcomer Essentials - [CRS Score Calculator](https://www.canooq.ca/tools/crs-score-calculator): Calculate every Express Entry CRS factor, test improvements, and compare recent official draw cutoffs. - [Citizenship Countdown Calculator](https://www.canooq.ca/tools/citizenship-countdown-calculator): Estimate counted days toward Canadian citizenship physical presence using PR time, eligible pre-PR time, absences, and excluded sentence periods. - [City Affordability Calculator](https://www.canooq.ca/tools/city-affordability-calculator): Compare income, rent, essentials, and setup costs to classify how affordable a Canadian city may feel. - [Relocation Cost Estimator](https://www.canooq.ca/tools/relocation-cost-estimator): Estimate a practical relocation cost range for moving to Canada. - [Canadian Credit Score Basics Calculator](https://www.canooq.ca/tools/canadian-credit-score-basics-calculator): See which common credit factors are helping or hurting and get a prioritized improvement plan without a fabricated score. ## Cars and Transportation - [Car Ownership Cost Calculator Canada](https://www.canooq.ca/tools/car-ownership-costs): Estimate monthly and annual car costs using official Canadian fuel consumption ratings. - [Car Lease vs Buy vs Finance Calculator](https://www.canooq.ca/tools/car-lease-vs-buy-calculator): Compare leasing, financing, and paying cash for the same vehicle after interest, tax, fees, and resale value. ## Travel Planning - [Canada Pass & Parking Checker](https://www.canooq.ca/tools/pass-parking-checker): Find hard-to-book park passes, parking reservations, shuttles, and daily vehicle permit windows. ## Fun - [LOTTO 6/49 Simulator](https://www.canooq.ca/tools/lotto-649-simulator): Replay your usual lottery numbers across years of draws and see what they would have won and cost. ## Tools for Professionals - [Canadian SaaS Directory](https://www.canooq.ca/tools/canadian-saas-directory): Discover and compare top Canadian SaaS companies. - [Business Grants Finder Canada](https://www.canooq.ca/professionals/business-grants-finder): Find Canadian grants, loans, tax credits, advisory programs, and business support from official records. ## Mortgage & Home Buying - [Mortgage Affordability Calculator Canada](https://www.canooq.ca/tools/mortgage-affordability): Estimate how much home you may afford in Ontario, BC, Alberta, Quebec, Manitoba, Saskatchewan, Atlantic Canada, and the territories using income, debt, down payment, rates, owner costs, and mortgage affordability ratios. - [Rent vs Buy Calculator](https://www.canooq.ca/tools/rent-vs-buy-calculator): Compare renting and buying over time using a simplified net worth model. - [Cost of Selling a Home Calculator](https://www.canooq.ca/tools/cost-of-selling-a-home-calculator): See what selling costs after a few years of ownership, and whether you would walk away with less than you put in. - [Mortgage Calculator](https://www.canooq.ca/tools/mortgage-calculator): Estimate a monthly Canadian mortgage payment from home price, down payment, rate, and amortization. ## Investing - [Compound Interest Calculator](https://www.canooq.ca/tools/compound-interest): Project how an investment may grow from starting money, monthly contributions, time, and return assumptions. - [Retirement Calculator](https://www.canooq.ca/tools/retirement-calculator): See how much money a month you would have if you stopped working at a given age, split into savings, CPP, OAS, and pension, with the CPP-at-60-65-70 trade-off costed out. - [FIRE Calculator](https://www.canooq.ca/tools/fire-calculator): Enter what you earn, what you spend, and what you have invested to see the earliest age you can retire in Canada and the annual spending your money supports for life, with CPP, OAS, RRSP, TFSA, and income tax included. - [Dividend Income Calculator](https://www.canooq.ca/tools/dividend-income-calculator): Estimate the portfolio needed for a dividend-income target, then model Canadian eligible or non-eligible dividend tax treatment by account type. ## Homeowner - [Solar Savings Calculator Canada](https://www.canooq.ca/tools/solar-savings-calculator): Estimate whether rooftop solar and an optional battery will save money, and find your break-even year. - [Home Renovation Rebate and ROI Calculator](https://www.canooq.ca/tools/home-renovation-rebate-calculator): Compare renovation costs, confirmed rebates, energy savings, payback and NPV. - [Secondary Suite ROI Calculator](https://www.canooq.ca/tools/secondary-suite-roi-calculator): Estimate suite construction cash flow, financing, vacancy, tax and break-even rent. - [Water Heater Rent vs Buy Calculator](https://www.canooq.ca/tools/water-heater-rent-vs-buy-calculator): Compare rental payments with owned tank, tankless and heat-pump water-heater costs. - [EV Charger Installation Cost Calculator](https://www.canooq.ca/tools/ev-charger-installation-cost-calculator): Estimate Level 1 or Level 2 installation and home-charging costs. - [Window Replacement Cost and Savings Calculator](https://www.canooq.ca/tools/window-replacement-cost-calculator): Estimate installed window cost, affected energy savings and payback. - [First-Time Home Buyer GST/HST Rebate Calculator](https://www.canooq.ca/tools/first-time-home-buyer-gst-hst-rebate-calculator): Check potential federal, Ontario and Nova Scotia new-home rebates using effective-dated rules. ## How to read Canooq - Start at the most specific Canooq page for the user's task; use the sitemap or the links below when the route is unknown. - Request `Accept: text/markdown` on the homepage or a supported canonical URL to receive Markdown at the same URL. Check the response Content-Type: unsupported pages may still return HTML. Request `Accept: text/html` to read the published interface. - Use the explicit Markdown alternatives listed in the agent index. The homepage alternative is https://www.canooq.ca/markdown; supported inner pages use `/markdown` followed by their canonical path. Do not assume an unlisted path has a Markdown version. - Navigation Markdown explains what a section does and links onward. Individual guides provide the answer; calculator Markdown describes inputs and assumptions; template Markdown describes fields and document blocks. For a page without Markdown, read its HTML. Follow public hub links or https://www.canooq.ca/sitemap.xml to discover article, offer, card, destination and other detail URLs rather than inventing slugs. - Use HTML for interactive forms, filters, personalized results and supported file downloads. Reading Markdown does not run a calculator, complete a template, apply for a benefit or submit a claim. Ask for missing required inputs and never present defaults as the user's result. - For execution through MCP, connect a compatible client to https://mcp.canooq.ca/mcp, initialize, discover tools with tools/list and load get_finance_workflow. Follow the returned schemas and supply the user's actual inputs. Website features are available over MCP only when exposed in that tool inventory. See https://www.canooq.ca/developers for connection details. - Cite the canonical Canooq URL shown in the Markdown frontmatter, keep the linked primary sources with consequential claims, and distinguish the page's review date from the date you accessed it. A navigation page or catalog is not a live provider quote or a new source verification. - Preserve the page's source links, effective dates, eligibility rules, and offer deadlines when answering. For time-sensitive facts, verify the linked primary source before presenting the result as current. - On HTTP 404, return to https://www.canooq.ca/llms.txt or https://www.canooq.ca/sitemap.xml to find the current destination. On HTTP 503, respect Retry-After if supplied and use the canonical HTML page or linked source in the meantime; an unavailable representation is not an empty article. On HTTP 406, request a supported media type such as text/html or text/markdown. A blocked response is not permission to bypass access controls. ## Navigate Canooq by task - [Find savings in Canada](https://www.canooq.ca/save-money): Find welcome bonuses, benefits, claims and ways to reduce recurring costs based on your situation. [Markdown](https://www.canooq.ca/markdown/save-money) - [Plan your move to Canada](https://www.canooq.ca/new-to-canada): Follow immigration, pre-arrival and settlement tasks, with the right documents and tools at each stage. [Markdown](https://www.canooq.ca/markdown/new-to-canada) - [Canadian letters and document templates](https://www.canooq.ca/templates): Find editable Canadian letters, worksheets and checklists for housing, employment, money and administration. [Markdown](https://www.canooq.ca/markdown/templates) - [Canadian class actions and settlements](https://www.canooq.ca/class-actions): Find Canadian cases and distinguish open claims, upcoming deadlines, payment updates and closed proceedings. [Markdown](https://www.canooq.ca/markdown/class-actions) - [Canadian welcome bonuses and referral offers](https://www.canooq.ca/welcome-bonuses): Find signup rewards, cashback and service discounts, with the qualifying actions on each offer page. [Markdown](https://www.canooq.ca/markdown/welcome-bonuses) - [Compare Canadian credit cards](https://www.canooq.ca/credit-cards): Compare cards by annual fee, rewards, welcome value and the way you spend. [Markdown](https://www.canooq.ca/markdown/credit-cards) - [Canadian benefits by life stage](https://www.canooq.ca/benefits): Find benefits connected to your household, work, health, housing and retirement. [Markdown](https://www.canooq.ca/markdown/benefits) - [Canadian payments, deadlines and events](https://www.canooq.ca/calendar): Find benefit payment dates, tax dates, claim deadlines, holidays and Canadian events. [Markdown](https://www.canooq.ca/markdown/calendar) - [Choose your next money step](https://www.canooq.ca/money-steps): Choose a practical next action for cash flow, emergency savings, debt and long-term financial goals. [Markdown](https://www.canooq.ca/markdown/money-steps) - [Canadian mortgages and home buying](https://www.canooq.ca/mortgage): Compare mortgage payments, affordability, buying costs and the financial trade-off between renting and owning. [Markdown](https://www.canooq.ca/markdown/mortgage) - [Understand and build Canadian credit](https://www.canooq.ca/credit-score): Find Canadian credit guidance and tools for understanding your credit file and choosing an improvement plan. [Markdown](https://www.canooq.ca/markdown/credit-score) - [Send money from Canada](https://www.canooq.ca/send-money-worldwide): Compare international transfer options using the destination, amount, fees, recipient currency and delivery method. [Markdown](https://www.canooq.ca/markdown/send-money-worldwide) - [Canadian money and everyday-life articles](https://www.canooq.ca/blog): Find published Canadian articles about money, paperwork, housing, work and current developments. [Markdown](https://www.canooq.ca/markdown/blog) - [Printable Canadian guides](https://www.canooq.ca/guides): Find downloadable guides for Canadian housing, moving, money and paperwork. [Markdown](https://www.canooq.ca/markdown/guides) - [Plan a Canadian trip](https://www.canooq.ca/travel): Find Canadian destinations, itineraries and practical details for transport, reservations and experiences. [Markdown](https://www.canooq.ca/markdown/travel) - [Learn Canadian personal finance](https://www.canooq.ca/learn): Follow the Canadian personal-finance course in order or open the chapter that answers your question. [Markdown](https://www.canooq.ca/markdown/learn) - [About Canooq](https://www.canooq.ca/about): Learn what Canooq does, who it serves and where to find its tools, guides and savings resources. [Markdown](https://www.canooq.ca/markdown/about) - [Canooq editorial and source policy](https://www.canooq.ca/editorial-policy): Find Canooq's published approach to sources, updates and corrections. [Markdown](https://www.canooq.ca/markdown/editorial-policy) - [How Canooq handles trust and partnerships](https://www.canooq.ca/why-trust-canooq): Read Canooq's published explanation of partner selection and referral relationships. [Markdown](https://www.canooq.ca/markdown/why-trust-canooq) - [Connect an agent to Canooq](https://www.canooq.ca/developers): Use the agent index, Markdown pages, sitemap, feeds and public MCP service to find and use Canooq resources. [Markdown](https://www.canooq.ca/markdown/developers) ## Other public sections - [deals](https://www.canooq.ca/deals) - [weekly opportunities](https://www.canooq.ca/weekly-opportunities) - [answers](https://www.canooq.ca/answers) - [updates](https://www.canooq.ca/updates) - [data](https://www.canooq.ca/data) - [homeowner](https://www.canooq.ca/tools/homeowner) - [Business Grants Finder Canada](https://www.canooq.ca/professionals/business-grants-finder): Find Canadian grants, loans, tax credits, advisory programs, and business support from official records. - [experience finder](https://www.canooq.ca/thrive/experience-finder) - [widgets](https://www.canooq.ca/widgets) - [manage finances abroad](https://www.canooq.ca/manage-finances-abroad) - [contact](https://www.canooq.ca/contact) - [contribute](https://www.canooq.ca/contribute) - [privacy policy](https://www.canooq.ca/privacy-policy) - [cookie policy](https://www.canooq.ca/cookie-policy) - [terms of use](https://www.canooq.ca/terms-of-use) ## Find every published destination - [Canooq agent index](https://www.canooq.ca/llms.txt): Supported Markdown routes and instructions for agents. - [Canooq sitemap](https://www.canooq.ca/sitemap.xml): Complete public canonical URL inventory, including pages outside Markdown coverage. Follow sitemap entries and public hub links instead of inventing slugs. - [Canooq homepage](https://www.canooq.ca/)