Fiscal Moose

Canadian finance calculators, verified against official sources

Tax, registered-account, mortgage, and payroll math for Canada. Every formula is checked against official Canadian sources such as the Canada Revenue Agency, CMHC, the Bank of Canada, and provincial finance ministries, and dated on every page so you can see when we last verified it.

View calculators Read our methodology

Salary Take-Home Calculator Open the calculator → Income Tax Calculator Open the calculator → FHSA Calculator Open the calculator → Mortgage Payment Calculator Open the calculator →

All calculators

8 Canadian calculators, source-cited and verified

Registered accounts

FHSA Calculator First Home Savings Account contribution room, your $40,000 lifetime limit, and how close your savings get you to a down payment. Open the calculator → TFSA Calculator Your Tax-Free Savings Account contribution room, year by year, with the withdrawal re-contribution rules handled correctly. Open the calculator → RRSP Calculator Your RRSP deduction limit, the tax saved by a contribution, the Home Buyers’ Plan repayment, and the age-71 wind-down. Open the calculator →

Tax

Income Tax Calculator Federal and provincial income tax with the Basic Personal Amount phase-out and the Ontario surtax, bracket by bracket. Open the calculator → Capital Gains Tax Calculator The tax on a capital gain at the 50% inclusion rate, layered on your other income at your marginal rate. Open the calculator →

Mortgage

Mortgage Payment Calculator Your payment for any frequency with Canadian semi-annual compounding, the CMHC insurance premium, and the full amortization schedule. Open the calculator → Mortgage Affordability Calculator The maximum home price you can afford under the federal stress test and the GDS / TDS debt-service limits. Open the calculator →

Payroll

Salary Take-Home Calculator Your net pay after income tax, CPP, CPP2, and EI, the payroll deductions a plain tax calculator leaves out. Open the calculator →

Recently verified

We re-check every calculator against its official sources on a public cadence, and publish what changed.

Why we built this

Most Canadian calculators online either come from banks that route you into a sales funnel, or they reuse US tax logic that misses CPP2, the federal Basic Personal Amount phase-out, Quebec's separate income tax, and the indexation factors the CRA updates each January and July.

We build tools that handle these correctly, cite every source, and show the date each value was last checked. Read the methodology for how we build, test, and maintain each calculator.