Free calculators for mortgages, loans, investing, retirement, taxes, and financial planning — built for Canada and the USA.
Showing 23 calculators
Popular Calculators
Start with the tools most users need first.
Canadian Mortgage Calculator
Monthly payments, CMHC insurance, semi-annual compounding, GDS/TDS ratios, and a full amortization schedule.
Mortgage Qualifier Calculator
Find out exactly how much mortgage you qualify for in Canada (GDS/TDS + B-20 stress test) or the USA (28/36 rule).
Rent vs. Buy Calculator
Compare the true long-term cost of renting versus buying a home in your market.
Savings Goal Calculator
Estimate whether you are on track to reach a savings goal, how much you will have by your target date, and how much more you may need to save each month.
Retirement Withdrawal Calculator
Estimate how long your retirement savings may last based on withdrawals, investment return, and inflation.
Income Tax Calculator
Estimate your federal and provincial/state income tax liability.
All Calculators
Canadian Mortgage Calculator
Monthly payments, CMHC insurance, semi-annual compounding, GDS/TDS ratios, and a full amortization schedule.
Mortgage Qualifier Calculator
Find out exactly how much mortgage you qualify for in Canada (GDS/TDS + B-20 stress test) or the USA (28/36 rule).
CMHC Insurance Calculator
Calculate your CMHC mortgage insurance premium for Canadian home purchases below 20% down payment.
Rent vs. Buy Calculator
Compare the true long-term cost of renting versus buying a home in your market.
Mortgage Refinance Calculator
Find out if refinancing your mortgage makes financial sense and how long until you break even.
Net Worth Calculator
Calculate your total net worth, debt-to-asset ratio, and liquidity position across all assets and liabilities.
Emergency Fund Calculator
Calculate your emergency fund target, current coverage in months, and how long it takes to reach your goal.
TFSA Calculator
Estimate how your Tax-Free Savings Account contributions may grow tax-free and check your contribution room usage.
RRSP Savings Calculator
Estimate RRSP growth, check your first-year deduction room, and see a simplified tax refund estimate.
Compound Interest Calculator
See how your savings grow with the power of compounding over time.
ROI Calculator
Calculate return on investment, break-even point, and annualized ROI for any investment or project.
Investment Fees Calculator
See how management fees and MERs compound over time to erode your returns.
Lump Sum vs Monthly Investment Calculator
Compare investing a lump sum immediately versus spreading the same amount as equal monthly contributions over time.
Savings Goal Calculator
Estimate whether you are on track to reach a savings goal, how much you will have by your target date, and how much more you may need to save each month.
FIRE Calculator
Estimate your FIRE number, projected timeline to financial independence, and FIRE age based on your portfolio, contributions, and expenses.
Retirement Savings Calculator
Project your retirement savings growth, track progress toward your goal, and find the monthly contribution needed to close any gap.
Retirement Withdrawal Calculator
Estimate how long your retirement savings may last based on withdrawals, investment return, and inflation.
Personal Loan Calculator
Calculate monthly payments, total interest, and true cost of borrowing for any personal loan.
Car Loan Calculator
Estimate your monthly car payment and total loan cost including interest.
Debt Repayment Calculator
See exactly when you'll be debt-free and how much interest you'll pay. Calculate how extra payments accelerate your payoff.
Income Tax Calculator
Estimate your federal and provincial/state income tax liability.
Salary Calculator
Convert your salary to hourly, weekly, monthly, or annual pay.
Sales Tax Calculator
Calculate sales tax, HST, GST, or state sales tax on any purchase amount.
FinCalcSmart offers 23 free financial calculators for residents of Canada and the USA. Every calculator includes AI-assisted analysis to help users understand their results, not just see the numbers. From mortgage payments and retirement planning to income tax estimates and investment growth, these tools cover key personal finance decisions.
All calculators are educational estimates only. Results do not constitute financial, tax, legal, or investment advice. For official tax calculations, consult the CRA in Canada or the IRS in the USA.