Free Canadian money calculators. No sign-up, no nonsense.

Mortgage payments, TFSA room, RRSP room, FHSA limits, and compound growth — computed with proper Canadian rules, right in your browser.

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Every tool runs entirely in your browser. Your numbers never leave your device.

Monthly, bi-weekly, or weekly payments using the Canadian semi-annual compounding rule. See total interest and your year-by-year balance.

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TFSA Room Estimator

Tax-free saving

Estimate your cumulative TFSA contribution room from your birth year and residency, minus what you've already put in. 2026 limit: $7,000.

Estimate →

Work out your new RRSP room from last year's earned income and pension adjustment, plus your carry-forward. 2026 max: $33,810.

Calculate →

Track your First Home Savings Account room: $8,000 a year, $40,000 lifetime, with the one-year $8,000 carry-forward handled for you.

Track →

See what steady monthly contributions can grow into over time — with a clear split between what you put in and what growth did.

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More tools coming

NorthLedger

We're building more Canadian-first tools — land transfer tax, net worth, and debt payoff calculators. Get them first in the newsletter.

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How it works

1

Enter your numbers

Type in a few figures. Everything is computed instantly — no account, no email, no tracking.

2

See the answer

Plain results with the key figures highlighted. Where it matters, we show the math behind it.

3

Take action

Use the results to plan your next move — or track it properly with our spreadsheets.

Track it properly with NorthLedger spreadsheets

Calculators give you the answer. Our trackers keep you honest all year — in Excel or Google Sheets.

TFSA / RRSP / FHSA Tracker

Contribution tracking · over-contribution warnings

Log every contribution, watch your room in real time, and get warned before the CRA's 1%-a-month penalty hits.

$19one-time
Get the tracker

Investment & Dividend Tracker

Portfolio · dividends · ACB support

Track holdings across TFSA, RRSP, FHSA, and taxable accounts with dividend income and simplified adjusted cost base.

$24one-time
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Freelancer Budget + Tax Buffer

Irregular income · tax set-aside

Turn lumpy freelance income into a steady "salary," with an automatic tax buffer and quarterly installment tracker.

$19one-time
Get the planner
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Questions

Are these calculators really free?
Yes. Every calculator on this page is free and unlimited. The site is supported by ads and by our paid spreadsheet trackers — which is why we can keep the tools free.
Do my numbers get sent anywhere?
No. All calculations run in your browser with JavaScript. We never see, store, or transmit the numbers you enter.
How accurate are the estimates?
They follow published CRA rules and standard Canadian formulas (e.g., semi-annual mortgage compounding). But tax situations are personal — treat results as estimates and confirm contribution room with CRA My Account or a professional before acting.
Do you give financial advice?
No. NorthLedger Tools is educational content only. Nothing here is financial, tax, or legal advice.
How do you make money?
Two ways: display advertising (the labelled ad slots on this page) and our paid spreadsheet products. Some product links may be affiliate links — if you buy through one, we may earn a commission at no extra cost to you. See our affiliate disclosure below.
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