Investment & Retirement Calculators

Compound Interest

Calculate investment growth over time

Annuity Calculator

Future value, present value or level payout of an annuity.

Bond Yield Calculator

Yield to maturity, current yield and yield to call.

Retirement Calculator

Plan your retirement savings

RRSP Calculator

Canadian RRSP growth projections

TFSA Calculator

Tax-free savings account growth

Home Buyers' Plan Repayment Calculator

15-year RRSP HBP repayment schedule and start year

Lifelong Learning Plan Repayment Calculator

10-year RRSP LLP repayment schedule and shortfall tax

Social Security Survivor Benefit Calculator

US widow(er) benefit by age, RIB-LIM cap and child 75%

FHSA Calculator

First Home Savings Account calculator

RESP Calculator

Education savings with government grants

APY to APR Converter

Convert APY and APR for any compounding frequency.

Investment Return

Calculate total return on investment

ROI Calculator

Return on investment analysis

Dividend Calculator

Dividend income projections

CPP & OAS Calculator

Canada Pension Plan estimates

Net Worth Calculator

Track assets vs liabilities

FIRE Calculator

Financial independence timeline

Pension Adjustment Calculator

DC and DB pension adjustment and the RRSP room it removes

RRSP Over-Contribution Penalty

The real 1%/month CRA tax past your $2,000 cushion

RRSP Withdrawal Withholding Tax

CRA 10/20/30% withholding and the cash you receive

TFSA Contribution Room

Your real cumulative room since 2009

Retirement Contribution Limits

2026 US, Canada and UK limits with sources

CPP Survivor & Death Benefit

Monthly survivor's pension plus the $5,000 death benefit

CPP Disability Benefit

Flat rate + 75% formula, plus the real eligibility test

CPP Post-Retirement Benefit

The extra pension earned by working while collecting CPP

GIS Calculator

Guaranteed Income Supplement for lower-income seniors

Social Security Full Retirement Age

Full retirement age by birth year, with the reduction at 62 and credit to 70

CPP Start Age Break-Even

Compare CPP at 60, 65 and 70 and find the break-even age

Coast FIRE Calculator

Coast number today and by age, and when you reach it

Barista FIRE Calculator

Smaller FIRE target when part-time income covers part of spending

4% Rule Calculator

25x number plus portfolio needed at 3% to 5% withdrawal rates

Savings Rate to Years to Retire

Years to financial independence by savings rate, 10% to 80%

Retirement Income Gap Calculator

Yearly gap after CPP, OAS and pension, and the portfolio to fill it

Sequence of Returns Risk Calculator

Same yearly returns in two orders, with withdrawals

Early Retirement Healthcare Bridge

Health cost from early retirement until public coverage starts

Retirement Countdown Calculator

Days, weekdays and paychecks until your retirement date

OAS Deferral Calculator

0.6%/month bonus for delaying past 65, up to 36% at 70

Allowance for the Survivor

Bridge benefit for a low-income widow(er) aged 60–64

CESG Catch-Up Calculator

Claim up to $1,000 of grant a year with unused room

RESP Withdrawal (EAP) Limit Checker

The real $8,000 full-time / $4,000 part-time caps

RDSP Grant & Bond Calculator

Real 2026 ESDC matching rates, up to $3,500/year

RRIF Minimum Withdrawal Calculator

Real CRA prescribed-factor schedule by age — also covers a LIF minimum

Investment Payout Calculator

When a withdrawal runs out, or the payout that lasts N years

LIF Maximum Withdrawal Calculator (Ontario)

Ontario Reg. 909 Schedule 1.1 formula for your LIF's yearly ceiling

RMD Calculator

Required minimum distribution with the IRS 2026 tables

RRSP vs TFSA Calculator

Marginal rate now vs retirement, refund reinvested

TFSA Interest Calculator

Interest by year, TFSA vs a taxable account

TFSA Withdrawal and Re-Contribution Calculator

When withdrawn room returns and the cost of re-depositing early

TFSA Growth Calculator

Balance by year and years to reach a goal

TFSA Limit by Year

The 2009 to 2026 TFSA limit table and room by the year you turned 18

TFSA Over-Contribution Penalty Calculator

The 1% a month tax on a TFSA excess

TFSA Contribution Room for Newcomers

TFSA room from the year you became a Canadian resident

TFSA vs FHSA Calculator

Same savings with and without the FHSA deduction

Net Worth by Age Canada

Your net worth against the Statistics Canada median for your age group.

Net Worth by Age Calculator

Your net worth against the Federal Reserve median and mean for your age group.

Annuity vs Lump Sum Calculator

Break-even and implied return for a payout stream versus a lump sum.

TFSA Room by Birth Year

TFSA contribution room by birth year, 1991 to 2008, through 2026

TFSA Per Paycheque Calculator

How much to put in each pay period to use your TFSA room

TFSA Room for Couples

Two partners, two separate TFSA rooms, added up

TFSA Lump Sum vs Monthly Calculator

January deposit against twelve monthly deposits

TFSA Years to Fill Your Room

The year your unused TFSA room is used up

Alberta Seniors Benefit Estimator (2026)

Free Alberta Seniors Benefit estimator using the published July 2026 maximums and phase-out rates. Enter income and deductions, see your annual and monthly benefit.

GIC Calculator Canada: Maturity Value & Interest | TNAADO

Free Canadian GIC calculator. Enter principal, rate, term and compounding to project maturity value, plus CDIC coverage limits.

OAS Clawback Calculator: Recovery Tax 2026

Free OAS recovery tax (clawback) calculator: 15% of net income above $93,454 (2025) or $95,323 (2026), capped at the OAS you received.

Rule of 72 Calculator

Free Rule of 72 calculator. Years to double an investment, the exact answer next to the 69.3, 70 and 72 shortcuts, the rate needed to double in N years, and inflation…