Canada Tools

Canada Income Tax Calculator 2025

Calculate your 2025 federal and provincial income tax, CPP, EI, and net take-home pay. Covers Ontario, BC, Alberta, Quebec, Manitoba, and Saskatchewan.

Alberta Income Tax Calculator 2025

Calculate Alberta federal and provincial income tax, CPP, EI, and net take-home. See the Alberta Advantage vs Ontario with 2025 rates.

Canada Child Benefit (CCB) Estimator

Estimate your monthly and annual Canada Child Benefit payments. The CCB is a tax-free monthly paymen

CPP Retirement Calculator Canada

Estimate your Canada Pension Plan monthly retirement benefit based on earnings and contribution years. Includes CPP2 enhancement and age 60-70 adjustment.

CPP2 Additional Contribution Calculator 2026

Calculate 2026 base CPP and CPP2 (second-tier) contributions on income up to YMPE and YAMPE thresholds. For employees and self-employed Canadians.

OAS GIS Calculator Canada 2026

Calculate your 2026 Old Age Security and Guaranteed Income Supplement with clawback, age 75+ boost, and age-70 deferral comparison.

CRA Tax Instalment Calculator Canada

Calculate your quarterly tax instalment payments required by the Canada Revenue Agency. If you earn

EI Benefit Estimator Canada

Estimate your Employment Insurance (EI) regular benefit amount based on your insurable earnings and

Freelance Rate Calculator Canada

Calculate your minimum freelance hourly rate as a Canadian freelancer or independent contractor. Thi

Rent Affordability Calculator Canada

Check whether your rent is affordable by Canadian standards. The widely used 30% rule recommends spe

RRSP Contribution Calculator Canada

Calculate your maximum RRSP contribution room and the tax refund you can expect from your Registered

RRSP 2027 Contribution Limit Calculator

Calculate your 2027 RRSP contribution limit and tax savings by province. CRA $35,390 max with federal-provincial bracket breakdown.

RRIF Minimum Withdrawal Calculator 2026

Calculate your CRA-mandated RRIF minimum withdrawal, federal and provincial tax, and net after tax. Spouse-age option included.

Self-Employed Tax Buffer Calculator Canada

Calculate how much you should set aside each month from your self-employment income to cover federal

FHSA Calculator Canada 2026

Project your First Home Savings Account balance, tax refund, and down payment with $8,000 annual / $40,000 lifetime limits and RRSP HBP comparison.

TFSA Growth Calculator Canada

Project how your Tax-Free Savings Account grows over time with annual contributions and compound inv

TFSA Contribution Room Calculator 2026

Calculate your TFSA contribution room based on age, residency year, and prior contributions. Over-contribution penalty check included.

RRSP vs TFSA Calculator Canada

Compare RRSP and TFSA to find which account gives you more after-tax wealth based on your current and retirement tax rates.

Ontario Land Transfer Tax Calculator

Calculate Ontario land transfer tax and Toronto Municipal LTT with first-time buyer rebates automatically applied. Includes bracket breakdown.

BC Property Transfer Tax Calculator

Calculate BC Property Transfer Tax with first-time buyer exemption, newly built home exemption, and foreign buyer 20% APTT. 2025 rates.

Ontario vs BC Tax Comparison 2025

Compare take-home pay between Ontario and British Columbia side-by-side. Provincial tax, surtax, CPP, and EI breakdown for the same income.

Quebec Income Tax Calculator 2025

Calculate Quebec federal tax, provincial tax, QPP, QPIP, and EI with the Quebec abatement applied. See monthly take-home pay and Quebec vs Ontario comparison.

Mortgage Calculator Canada

Calculate Canadian mortgage payments with CMHC insurance, semi-annual compounding, stress test rate, and amortization comparison. Free and private.

RESP Calculator Canada

Calculate RESP growth with CESG government grants. See how much you'll save for your child's education.

GST/HST Calculator

Calculate Canadian GST, HST, or PST by province. Add or remove tax from any amount.

TFSA 2026 Contribution Room Calculator

Calculate your available TFSA contribution room for 2026 based on age, residency, contributions, and withdrawals. Based on CRA rules.

Canada Capital Gains Inclusion Rate Calculator 2026

Calculate Canadian capital gains tax under the 50% vs 66.67% inclusion rate proposal. Free 2026 tax calculator for individuals over $250K and corporations.

GST/HST Quick Method Calculator 2026 Canada

Calculate GST/HST Quick Method savings for 2026 Canada: simplified remittance rates by province for businesses under $400K revenue. Free CRA-aligned tool.

OAS Clawback Calculator (Recovery Tax)

Calculate Old Age Security (OAS) recovery tax (clawback) on Canadian retirement income. 2026 thresholds, 15% recovery rate, full reduction point, deferral options.

CA 2028 Canada Child Benefit

Calculate your Canada 2028 Canada Child Benefit. Tax-free monthly payment up to $7,800/child under 6 / $6,580 ages 6-17. Income-tested phase-out.

CA 2028 Capital Gains Inclusion

Calculate your Canada 2028 capital gains tax with 50% inclusion rate restored. June 2024 to ~April 2025 saw 66.67% above $250k — reverted by current government.

CA 2028 CPP Contribution

Calculate your Canada 2028 CPP/QPP contribution: 5.95% base + 4% CPP2 enhancement. YMPE projected $72,400. YAMPE $82,400. Self-employed pays 11.9%.

CA 2028 FHSA

Calculate your Canada 2028 FHSA contribution + tax savings. $8,000/year, $40,000 lifetime cap. RRSP-like deduction + TFSA-like tax-free withdrawal for first home.

CA 2028 GST/HST Quick Method

Calculate your Canada 2028 GST/HST under Quick Method for small businesses. Remits 1.8%-4.4% of revenue depending on province + sector. Threshold $400,000 sales.

CA 2028 Income Tax

Calculate your Canada 2028 federal income tax with projected CRA brackets. 15/20.5/26/29/33%. Basic personal amount $16,750 projected. Provincial tax separate.

CA 2028 OAS Clawback

Calculate your Canada 2028 Old Age Security recovery tax (clawback). 15% above ~$93k net income, fully clawed back ~$152k. Plan Roth-equivalent withdrawals to avoid.

CA 2028 RDSP

Calculate your Canada 2028 RDSP grant + bond. Up to $3,500/year CDSG match + $1,000/year CDSB for low-income. Lifetime $70,000 grant + $20,000 bond.

CA 2028 RESP + CESG

Calculate Canada 2028 RESP contribution + CESG match. 20% match on first $2,500/year = $500 grant. Lifetime $50,000 contribution + $7,200 CESG cap.

CA 2028 RRSP Limit

Calculate your Canada 2028 RRSP contribution limit: 18% of 2027 earned income up to $36,000 cap projected. Plus carry-forward + Pension Adjustment.

CA 2028 TFSA Limit

Calculate your Canada 2028 TFSA cumulative room. Annual limit $7,500 projected (indexed). Plus all unused carry-forward. Tax-free growth + withdrawals.

CA 2028 TOSI

Calculate your Canada 2028 TOSI exposure. Tax on Split Income kicks family-member dividends/income to highest marginal rate (53.5%) unless safe harbor met.

Canada Capital Gains 2028 66.67%

CGT 2028 — 50% inclusion < C$250k, 66.67% above. Calculate CGT on disposal 2028.

Canada Childcare Deduction 2028

Childcare deduction 2028 — C$8,000 per child under 7, C$5,000 ages 7-16. Calculate deduction 2028.

Canada CPP 2028 Contribution Calculator

CPP 2028 — 5.95% employee on YMPE ~C$71,300. Calculate CPP contribution 2028.

Canada Disability Tax Credit 2028

DTC 2028 — federal C$9,872 + provincial. Calculate non-refundable DTC value 2028.

Canada EI Employment Insurance 2028

EI 2028 — 1.66% of insurable earnings, cap C$63,200. Calculate EI premiums 2028.

Canada Federal Income Tax 2028 Brackets

CA Federal Tax 2028 — 15/20.5/26/29/33% brackets indexed to inflation. Calculate 2028 federal tax.

Canada FHSA 2028 First Home Savings

FHSA 2028 — C$8,000/yr, C$40,000 lifetime tax-free for first home. Calculate FHSA balance 2028.

Canada GST HST 2028 Provincial

GST/HST 2028 — 5% GST + provincial (varies 0-10%). Calculate combined rate 2028.

Canada RRSP 2027 Contribution Room Calculator

Calculate Canada RRSP 2027 contribution room. 18% of earned income up to $32,490. Free.

Canada RRSP 2027 Contribution Room & Carry-Forward Calculator

Free Canada RRSP 2027 calculator — CRA $32,490 limit (18% of earned income), pension adjustment, unused carry-forward, and over-contribution penalty.

Canada RRSP 2028 Contribution Limit

RRSP 2028 — 18% of prior-year earned income, max ~C$32,500 projected. Calculate RRSP tax savings 2028.

Canada TFSA 2028 Contribution Room

TFSA 2028 — projected C$7,500 annual room. Calculate cumulative TFSA room 2028.

Capital Gains 2027 67% Inclusion Rate Calculator CA

Capital gains over C$250k now taxed at 67% inclusion (up from 50%). Calculate tax impact for 2027.

CCA Class 10.1 Vehicle 2027 Depreciation Calculator

CCA Class 10.1 luxury car depreciation Canada 2027. 30% declining + AIIP. Capital cost cap $38K passenger. Free.

CPP Enhanced 2027 Canada

Calculate Canada Pension Plan (CPP) enhanced benefit 2027 — replacement rate increased to 33,33% with Tier 1+2 phased in.

CPP Maximum Pensionable Earnings 2027 Calculator

Canada Pension Plan 2027 max calculator. YMPE + YAMPE (CPP2 above ceiling). 5.95% + 4% employee. Free.

CPP2 Additional Contribution 2027 Calculator Canada

CPP2 (additional CPP) 2027 — 4% on earnings between YMPE (C$71,300) and second ceiling YAMPE (C$81,200). Calculate worker + employer 2027 contribution.

CRA Instalment 2027 Quarterly Payment Calculator

CRA requires quarterly instalments if net tax owing > C$3,000 in current + one of prior 2 years. Calculate 2027 instalment amounts.

Disability Tax Credit Canada 2027 Calculator

Calculate the Disability Tax Credit 2027 federal + provincial amounts. Base + supplement (under 18). Free.

FHSA First Home Savings 2027

Calculate FHSA (First Home Savings Account) — $8 000/year contribution, $40 000 lifetime, RRSP-like deduction + TFSA-like tax-free.

OAS Clawback 2027 Canada

Calculate Old Age Security (OAS) clawback — 15% of income above $90 997 (2026 est). Full clawback ~$148 000+.

Ontario vs Saskatchewan Tax Credit Comparison 2027

Provincial tax credit comparison Ontario vs SK 2027 — Ontario LIFT, SK Active Families Benefit, climate action credits. Find higher refund.

Principal Residence Exemption CRA 2027 Calculator

Calculate CRA Principal Residence Exemption 2027 on home sale — formula: (1+years designated as PR) / years owned × gain. Form T2091.

RRSP 2027 Contribution Limit

Calculate Canadian 2027 RRSP contribution limit — 18% of earned income up to $35 390 max (estimated 2027).

RRSP 2027 Contribution Room Calculator Canada

RRSP 2027 limit confirmed at C$35,390 (18% of 2026 earned income up to ceiling). Calculate your contribution room including carry-forward.

Canada TFSA Update April 2026

Canada TFSA April 2026 update — new CRA records system. Lifetime contribution room, withdrawals. Private.

TFSA 2026 Room Calculator

Calculate Canadian TFSA cumulative contribution room — $7 000/year limit 2026, ~$95 000 lifetime if eligible since 2009.

TFSA 2027 Limit Calculator

Calculate your TFSA cumulative contribution room for 2027 including the new annual limit and any unused room from prior years.

TFSA 2027 Contribution Room Calculator Canada

TFSA 2027 annual limit (estimated C$7,500 indexed). Cumulative room since 2009 calculation. CRA inflation-indexed in C$500 increments.

Canada UHT Underused Housing Tax 2027 Calculator

1% federal Underused Housing Tax on vacant/underused residential owned by non-resident non-Canadians. Calculate UHT 2027 (source: canada.ca).