Decision tool library
Canadian finance tools organized by the decision they support
Choose a goal, run the relevant calculator, then follow the next educational step only when it clarifies the tradeoff.
- Canadian-focused
- No login required
- Calculator inputs not stored
- Updated for 2026
Start with your goal
Decision-first paths
Account & Tax Tools
Account Decision Tool
LiveWho it helps
Canadians choosing between TFSA, RRSP, FHSA, and employer matching.
Decision it supports
Which account deserves the next contribution.
Open toolTFSA Calculator
LiveWho it helps
People checking TFSA room, growth, withdrawals, and flexibility.
Decision it supports
Whether TFSA room should be used now or compared against RRSP/FHSA.
Open toolRRSP Calculator
LiveWho it helps
Canadians comparing deduction value, refunds, and retirement tax deferral.
Decision it supports
Whether an RRSP contribution meaningfully changes the tax plan.
Open toolFHSA Calculator
LiveWho it helps
First-time home buyers comparing FHSA, TFSA, and RRSP paths.
Decision it supports
Whether the FHSA fits the purchase timeline and tax situation.
Open toolIncome Tax Calculator
LiveWho it helps
Canadians estimating federal, provincial, CPP, and EI impacts.
Decision it supports
How income and province affect an estimated tax result.
Open toolInvesting & Dividend Tools
Investment Fit Framework
LiveWho it helps
Investors checking account location, yield, concentration, and timeline risk.
Decision it supports
How an investment may fit inside a broader Canadian account plan.
Open toolDividend Calculator
LiveWho it helps
Income-focused investors testing yield, DRIP, capital targets, and account fit.
Decision it supports
Whether a dividend-income assumption is realistic enough to explore further.
Open toolCompound Interest Calculator
LiveWho it helps
People modeling contribution habits, fees, inflation, and long-term growth.
Decision it supports
How much contribution pace and time horizon matter.
Open toolNet Worth Calculator
LiveWho it helps
Households organizing assets, debts, and longer-term financial progress.
Decision it supports
Whether the balance sheet supports the next planning move.
Open toolMortgage & Housing Tools
Mortgage Affordability Calculator
LiveWho it helps
Home buyers testing income, debt ratios, and stress-test pressure.
Decision it supports
What purchase range may be comfortable before lender comparison.
Open toolMortgage Calculator
LiveWho it helps
Buyers comparing payment, amortization, rate, and down-payment assumptions.
Decision it supports
How mortgage terms affect the monthly and long-term cost.
Open toolRent vs Buy Calculator
LiveWho it helps
Renters and buyers comparing total housing tradeoffs.
Decision it supports
Whether ownership economics still make sense after costs and timing.
Open toolRetirement Tools
FIRE Calculator
LiveWho it helps
People testing savings rate, retirement date, and withdrawal assumptions.
Decision it supports
How far the current path is from financial independence.
Open toolCPP and OAS Estimator
LiveWho it helps
Canadians estimating government retirement income context.
Decision it supports
How public benefits may fit into a retirement-income plan.
Open toolGeneral Calculators
GIC Calculator
LiveWho it helps
Savers comparing guaranteed-interest terms and maturity values.
Decision it supports
Whether a fixed-rate savings option fits the timeline.
Open toolAI Cost Calculator
LiveWho it helps
Founders, developers, and Canadian businesses estimating AI API usage and product margins.
Decision it supports
Whether an AI workflow is affordable before launch, pricing, or model selection.
Open toolDebt Payoff Calculator
LiveWho it helps
Households comparing avalanche and snowball payoff strategies.
Decision it supports
Which payoff order reduces pressure or interest cost.
Open toolBudget Tracker
LiveWho it helps
People organizing monthly income and spending categories.
Decision it supports
Where cash flow needs adjustment before bigger planning moves.
Open toolSmall utility calculators
LiveWho it helps
Quick checks such as GST/HST, tips, currency, inflation, and pay conversion.
Decision it supports
Simple one-off estimates that are useful but not core planning pages.
Open tool