Emergency Fund Calculator
Estimate your target emergency fund, current gap, and monthly savings plan using expenses, job stability, dependents, and debt level.
Open ToolTest a money decision
Pick the question in front of you, change the assumptions, and see what moves the outcome—before you commit.
20
models & tools
6
decision categories
Region aware
Relevant tools appear based on your selected region
How this page works
Tools adapt to your selected region. A useful path is cash buffer → expensive debt → housing or investing → retirement. For how to chain models together, see How to Use Finance Calculators Together; for model assumptions, see Calculator Methodology.
Region-aware
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Change assumptions
Cash foundations
Size a buffer and find surplus before product shopping.
Budget Planner Calculator
Map income, needs, wants, savings, surplus or shortfall, and a simple long-horizon savings projection.
Open ToolDebt & housing
Payoff strategy, rent vs buy, affordability, and borrowing costs.
Debt Payoff Calculator
Compare avalanche vs snowball, see your debt-free date, interest saved, timeline chart, and extra payment impact.
Open ToolRent vs Buy Calculator
Compare renting with buying using home price, mortgage rate, taxes, insurance, appreciation, and investment return.
Open ToolHome Affordability Calculator
Estimate a practical home budget, stress-test ceiling, CMHC premium, and the full monthly cost of a specific property.
Open ToolFHSA vs HBP vs TFSA Calculator
Compare an FHSA, RRSP Home Buyers' Plan, TFSA, or an FHSA plus HBP using your own room and account balances.
Open ToolEMI Calculator
Home, personal & car loan EMI with reducing balance. See total interest, then review third-party lender terms independently.
Open ToolMortgage Refinance Calculator
Estimate monthly savings, closing-cost break-even, stay-period savings, and interest impact before refinancing.
Open ToolMortgage Renewal Payment Calculator
Compare estimated monthly payments at current and renewal rates using your balance and remaining amortization.
Open ToolCanada Key-Rate History
See sourced policy-rate changes, announcement and effective dates, and what to check in your mortgage or savings contract. Dated snapshot, not a forecast.
View HistoryInvesting
Contribution habits, compounding, and monthly vs lump-sum tradeoffs.
Monthly Investment Calculator
See how much of an ending balance comes from your deposits versus assumed growth—then test a keepable monthly amount.
Open ToolRESP Education Savings Planner
Compare contribution budgets, eligible federal CESG and CLB estimates, grant limits, and projected RESP growth.
Open ToolSIP vs Lump Sum Calculator
Compare monthly SIP vs one-time lump sum. Stress paths with market scenarios such as 2008 and COVID teaching cases.
Open ToolCompound Interest Calculator
Isolate how time, rate, and frequency change an ending balance under a fixed return assumption.
Open ToolSIP Calculator
Project SIP corpus with Indian mutual-fund context. For monthly vs lump-sum tradeoffs, use SIP vs Lump Sum.
Open ToolRetirement & accounts
Long-horizon readiness, net worth path, and regional account order.
Retirement Calculator
Estimate the nest egg you may need, project savings to retirement age, and see which levers close the gap.
Open ToolFuture Wealth Calculator
Project net worth milestones using income, savings rate, income growth, and long-term return assumptions.
Open ToolRRSP vs TFSA Calculator
Compare RRSP and TFSA after-tax outcomes using tax rates, contribution room, expected return, and refund reinvestment.
Open ToolRRIF Minimum Withdrawal Planner
Estimate the 2026 RRIF minimum, compare annual withdrawals, project the remaining balance, and test a conditional OAS recovery-tax scenario.
Open ToolCPP + OAS Claiming-Age Comparison
Use your official benefit estimates to compare claiming ages, gross cumulative payments, break-even ages and discounted values.
Open ToolRetirement Income Gap Planner
Compare spending with your pension estimates and retirement-date savings. See annual pre-tax gaps, RRSP/RRIF-first draws, TFSA cash and sensitivity scenarios.
Open ToolSalary Tax Calculator
Estimate take-home pay, payroll deductions, marginal tax rate, and how an RRSP contribution may change your refund.
Open ToolOld vs New Tax Regime: FD Interest Only
FY 2025-26 / AY 2026-27 comparison for resident individuals under 60. No salary or capital gains; results withheld where unverified rebate relief could apply.
Open ToolSocial Security Claiming-Age Comparison
Use your official FRA estimate to compare claiming ages, monthly gross benefits, cumulative values, break-even and lifespan scenarios. US rules only.
Open Tool401(k), HSA & IRA Calculator
Compare employer match, HSA tax benefits, Roth IRA, Traditional IRA, and suggested contribution order.
Open ToolSWP Calculator
Plan systematic withdrawals from retirement savings. See how long money lasts with inflation-aware withdrawals.
Open ToolCrypto
Volatility-aware contribution scenarios—not price predictions.
Crypto DCA Calculator
Simulate dollar-cost averaging into Bitcoin or Ethereum with best / expected / worst-style bands under a volatility assumption.
Open ToolBitcoin $1M Goal Calculator
Illustrative $1M goal paths under multiple price scenarios. Use Crypto DCA for contribution sizing; treat this as a stress-test, not a plan.
Open ToolExplainers
Educational concepts—not primary Wealthton decision models. Verify with a licensed professional where relevant.
Infinite Banking Concept
Learn “be your own banker” in plain language. Optional modeled cash value vs premiums—educational only, not an insurance quote.
Open ToolMoney Lab
Interactive scenario comparisons built on these calculators, with “change one thing” sensitivity and shareable links: pay debt vs invest, rent vs buy, refinance, emergency fund size and contribution level. Open the Money Lab.