Budgeting and savings calculators for Canada
Plan a budget, and see how regular saving and compound interest grow your money.
- 9 free calculators
- Updated for 2026
- Official figures, no sign-up
Calculators
- Compound Interest See what regular saving and compound interest add up to over time.
- TFSA Room Your TFSA contribution room, and what it could grow to tax-free.
- FHSA Your FHSA tax refund each year, and what it could grow to for your first home.
- RESP What an RESP could grow to by 18, with the CESG, Learning Bond and provincial grants.
- Inflation What money from any year is worth today, from official price data.
- Budget Split your take-home pay with the 50/30/20 rule, and see where your money goes.
- Savings Interest Interest on a savings account or GIC, in or outside a TFSA.
- Net Worth Add up what you own and what you owe, and see what you’re worth.
- Savings Goal How much to save each month to reach a goal, or how long it will take.
Guides
All Canada guides- Money basics Banking basics in Canada: chequing, savings and CDIC How chequing and savings accounts work in Canada, what to look for in a bank, how CDIC protects your deposits and how to avoid fees, in plain English. Read the guide
- Investing Capital gains tax in Canada: 50% inclusion and your home How capital gains are taxed in Canada: the 50% inclusion rate, the principal residence exemption, capital losses, and the lifetime capital gains exemption. Read the guide
- Money basics Emergency fund in Canada: how much and where to keep it Why an emergency fund comes before almost everything else, how to work out yours, where to keep it in Canada (a savings account or TFSA) and how to build it. Read the guide
- Investing Index funds vs picking stocks in Canada: why go passive What an index fund or ETF is, why most Canadian fund managers trail the TSX, what a 2% MER costs you over time, and how to start investing in a TFSA or RRSP. Read the guide
- Money basics How to make a budget in Canada (the 50/30/20 rule) A simple way to budget in Canada: start from your take-home pay after tax, CPP and EI, split it 50/30/20, plan for yearly bills and automate it. Read the guide
- Investing Investing basics: TFSA, RRSP and index funds What investing is, how stocks, bonds and index ETFs work, which accounts to use first in Canada (TFSA, RRSP, FHSA) and how to start with a small amount. Read the guide