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Tools made for Canada

Income and sales tax, retirement savings, benefits, mortgages and Express Entry points under Canadian rules.

  • CA
  • 15 tools made for Canada
  • No upload
  • No sign-up

20 of 24 tools here need a pass: Pro unlocks 14, Premium all 20 · See passes

Go to the 24 tools

Income tax in Canada combines federal and provincial rates. Sales tax, the minimum wage and land transfer tax differ from province to province, while retirement accounts, benefits and immigration points follow federal rules. The tools here are grouped by the job, and each one works from the figures and details you enter. Rules and rates change, so check a result with the CRA, IRCC or your province before you file, sign or apply.

The main tools

Federal and provincial, side by side

Your income tax is a federal amount plus your province’s or territory’s, each with its own brackets and credits; outside Quebec, the CRA collects both through one return. Pension contributions and EI premiums come off every paycheque as well. The income tax calculator works out both levels of tax for your province, with the credits for your CPP and EI contributions.

Sales tax shows the provincial split most plainly: some provinces charge one harmonized sales tax, some charge only the federal GST, and others add a provincial sales tax to it. The sales tax calculator fills in the rates for the province you pick.

Saving, benefits and a home

An RRSP contribution lowers your taxable income now and is taxed when you withdraw it; a TFSA takes money already taxed and never taxes it again; an FHSA works like both for a first home. The RRSP, TFSA and FHSA calculator works out your room in each and which one suits you. The Canada Child Benefit shrinks as family income rises, which the CCB calculator shows for your children’s ages.

Worked example: Buying a first home in Toronto

  1. Work out your FHSA and RRSP room, and the tax each contribution saves, with the RRSP, TFSA and FHSA calculator.

  2. Test the mortgage against the stress test, with mortgage loan insurance if your down payment is small, in the mortgage calculator.

  3. Add Ontario’s and Toronto’s land transfer taxes, less the relief for first-time buyers, with the land transfer tax calculator.

Questions and answers

Does a high CRS score mean I will be invited?

Not on its own. The CRS calculator works out your score from IRCC’s published criteria, but each Express Entry round sets its own cut-off, and some rounds invite only certain programs or occupations.

Which minimum wage applies at a bank or an airline?

Federally regulated employers, such as banks, airlines and telecom companies, pay the federal minimum wage, or the provincial one where it is higher. The minimum wage checker asks which kind of employer you have.

Start here

Tax

2 tools

For income tax, tax on gains and the taxes on sales and businesses.

Pay & work

1 tool

For salaries, take-home pay, leave and what is owed when a job ends.

Pensions & benefits

5 tools

For retirement savings, social security contributions and benefits.

Property & home loans

2 tools

For buying, selling or renting a home and borrowing for it.

Visas & immigration

2 tools

For visas, residence and citizenship.

Business & invoicing

2 tools

For invoices, registrations and the fees and checks of running a business.

Study, tests & student loans

1 tool

For grades, practice tests and repaying a student loan.

Set up for Canada

9 tools

Tools that work in every country and start in your own currency (in Canada: Canadian dollars, CAD). You can change it in each tool.

Good to know

  • All 24 tools run in your browser: what you open or paste is not uploaded.
  • 19 of 24 keep working without a connection once loaded.
  • Calculator results and templates are starting points for planning, not tax, financial or legal advice. Check the method and assumptions on each tool’s page.
  • Nothing to install and no account. 4 of the 24 tools are free to use without a limit.
  • The 20 paid tools are Pro and Premium tools: they show a free preview, and a pass that unlocks them gives full results. See passes and prices

Tools made for other countries

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