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Free Canadian personal finance calculators, honest advice, and practical tools for building wealth — from a cozy dad in Ontario.

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Free Financial Tools

TFSA Room Calculator

Calculate your available Tax-Free Savings Account contribution room.

See your full contribution history year by year, factoring in age eligibility and residency requirements. Works for any year from 2009 to 2026.

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Compound Interest

Visualize how your investments grow over time with compound interest.

Model different scenarios with adjustable principal, monthly contributions, interest rates, and compounding frequencies. Includes year-by-year breakdown.

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Canadian Tax Calculator

Estimate your federal and provincial income tax, CPP, and EI.

Covers Ontario, BC, and Alberta for 2025-2026. Includes RRSP deductions, capital gains, and shows marginal vs average tax rates.

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VDOT Running Calculator

Find your VDOT score, training paces, and equivalent race times.

Based on Jack Daniels' formula. Enter any race distance PB and get training paces, equivalent times, and your percentile among real runners.

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Baby Cost Calculator

Project the real cost of a baby over the first few years.

Fully customizable item list with real Canadian cost data. Add/remove items, adjust quantities, and see cumulative costs charted over time.

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