Which tool do I need?
Starting a job, comparing offers, or checking a pay stub? The Take-Home Pay Calculator turns a salary or hourly rate into net pay per year, month, two weeks or week for your province, with each deduction on its own line so you can see where the money goes.
Deciding when to start CPP? The CPP Start-Age Calculator shows the arithmetic Service Canada applies — a reduction for every month before 65, an increase for every month after, each kept for life — and the break-even ages, so the decision rests on your health, cash needs and other income rather than on a rule of thumb.
Checking how much you can still put in a TFSA? The TFSA Contribution Room Calculator adds up every annual limit you have been entitled to since 2009 or the year you turned 18, subtracts what you have contributed and adds back last year’s withdrawals — the same arithmetic CRA’s My Account performs, without the reporting lag.
Wondering what an RRSP contribution will get back? The RRSP Refund Calculator runs your income through the same federal and provincial engine as the take-home calculator, with and without the deduction; the difference is your refund, and it checks the contribution against the 18% limit.
Selling a property, shares or crypto? The Capital Gains Tax Calculator applies the 50% inclusion rate and shows the extra tax the taxable gain adds on top of your other income, so you see the real bill rather than a flat percentage.
Need a price with or without tax? The GST/HST Calculator adds sales tax for any province, or works backwards from a total, splitting GST from PST, QST or HST.
Wondering whether your savings will last? The Retirement Calculator runs your RRSP, TFSA and non-registered accounts year by year through CPP, OAS, the mandatory RRIF minimums and the tax on every withdrawal, in today’s dollars, and tells you the age the money lasts to. Its withdrawal order is a stated default, not an optimised one — it says so on the page.
Converting an hourly rate to a salary, or back? The Hourly to Salary Calculator does both and shows the after-tax hourly rate for your province, which is the number that actually matters when you compare a wage to a salary.
Holding two jobs? The Two Jobs Tax Calculator shows why each employer withholding on its own leaves you owing at filing, how much, and the CPP and EI over-contribution you get back when both jobs together cross the annual maximum.
Half your bonus vanished? The Bonus Tax Calculator applies CRA’s bonus method rather than a flat rate, so you can see what was withheld and what the true tax is. The two differ only under CRA’s $5,000 flat rule and Quebec’s 7% rule.
Got a raise and want to know what it is worth after tax? The Raise Calculator shows the net increase per pay and the share you keep at the margin — including the jump that happens once CPP and EI are maxed for the year.
Comparing two offers, or a move between provinces? The Salary Comparison Calculator puts both side by side after tax and tells you the salary the second offer would need to match the first one’s take-home.
Working part-time or part of the year? The Pro-Rata Salary Calculator pro-rates the salary, taxes what you actually earn, and estimates the refund that over-withholding usually produces.
Wondering whether you will get a refund? The Tax Refund Calculator takes the figures off your T4 and any RRSP contribution and shows a refund or balance owing for the 2026 return, with the reasons withholding and the final tax differ.
Checking what vacation pay you are owed? The Vacation Pay Calculator applies your jurisdiction’s statutory minimum — 4%, 6% or 8% by years of service — and shows it after tax.
Working overtime and wondering what it is worth? The Overtime Pay Calculator pays your overtime hours at your jurisdiction’s rate — counting only the hours past the weekly threshold in Ontario, Quebec, New Brunswick, Nova Scotia, Prince Edward Island and Newfoundland and Labrador — and shows the pay before and after tax, and explains why a heavy week is withheld on more heavily without being taxed more in the end.
Self-employed, or thinking about it? The Self-Employed Tax Calculator charges both halves of CPP the way CRA does, one as a deduction and one as a credit, adds optional EI, and puts an employee at the same gross beside you so the real difference is visible.
Buying a home and budgeting the closing costs? The Land Transfer Tax Calculator applies your province’s brackets — with Toronto’s municipal tax on top, or Montréal’s own schedule in place of Quebec’s — and the first-time buyer rebate or credit where one exists, and shows every bracket line.
Worried about the OAS clawback? The OAS Clawback Calculator shows the recovery tax on your income, the OAS you keep after it and after tax, and how much of a deduction would bring you back under the threshold.
Paying yourself from your own corporation? The Salary vs Dividends Calculator runs all-salary, all-dividend and a mix through the corporate tax, the personal tax with the dividend tax credit and both halves of CPP, and shows what each leaves in hand — and what dividends give up in RRSP room and CPP credits.
Wondering whether a purchase passes the stress test? The Mortgage Affordability Calculator runs the price, down payment and rate through OSFI’s qualifying rate, GDS and TDS, the insurance premium and the tax on it — and says which lenders that rule actually binds.
Comparing GICs? The GIC Calculator shows what a term deposit grows to, what the interest costs in tax if it is not in a TFSA or RRSP, how a ladder spreads the terms, and which deposit insurer covers it, by institution type and province.
Coming next
More angles on Canadian pay and savings as people ask for them. Each ships with its dated government source and a runnable test.
Global tools that apply in Canada
The Dividend Reinvestment (DRIP), DCA, FIRE, Dividend Yield and Stock Average calculators are currency-agnostic — enter Canadian dollars and the math is the same. The Fiverr & Upwork fee and freelance quote tools apply to Canadian freelancers as they do everywhere; they do not model Canadian tax, which is what the take-home calculator is for.
Tax pages are for information only and apply CRA’s T4127 payroll formulas to a whole year of employment income; your payroll applies them to each pay period, and takes CPP and EI at the full rate until each year’s maximum is reached, so a pay stub can differ from these figures. Nothing here is financial or tax advice.