Canada
Canada calculators
With the values in force in Canada, the source of each one and the date we checked it.
Official data, updated automatically
An automated process checks the official sources every day. Rule changes go live after we verify them.
- Last review of the rules
- Latest automatic figure
- US dollar in Canadian dollars, daily average,
- Official sources
- 41 official documents
Pay and work
Pay and extras
- Minimum wage in Canada by province (2026)Choose your province or territory to see the general minimum wage today and what it adds up to over a week, a month and a year.
- Overtime calculator for CanadaEnter your hourly wage, the days you worked and the hours each day to see your regular pay, overtime hours and total pay for the week.
- Take-home pay calculator 2026 for CanadaEnter your gross salary and your province or territory to see what you take home each year, each month and each pay.
- Vacation pay calculator for CanadaEnter your gross wages for the vacation year and how long you have worked for your employer to see the minimum vacation pay you are owed.
- Hourly to salary calculatorHow much is your salary per hour? What does an hourly offer come to per year? Enter an amount, pick the period and we show all the others.
- Pay raise calculatorYou have been offered a raise, or you are about to ask for one. Enter your pay and the raise, as a percentage or an amount, and see how much changes each month and year.
- Time card calculatorPick the start and end time for each day, your unpaid break and your hourly pay. We show total hours, overtime and your pay for the week.
Leaving a job
- Severance pay calculator for Ontario and federal jobsSeverance pay compensates long-serving employees whose job ends. It is separate from notice or termination pay and paid on top of it.
- Termination pay calculator (pay in lieu of notice)If your employer ends your job without cause, employment standards give you a minimum amount of written notice or pay instead of notice.
Taxes
- CPP contributions calculator 2026Enter your earnings to see how much you put into the Canada Pension Plan in 2026, and how much your employer adds.
- Employer payroll cost calculator 2026Enter a yearly salary to see the employer's share of CPP or QPP, EI premiums and, in Quebec, QPIP premiums, and the total cost of the job.
- Income tax calculator 2026 for CanadaEnter your income and your province or territory to see how much income tax you pay in 2026, split between federal and provincial tax.
- Sales tax calculator for Canada (GST, HST, PST, QST)Choose your province or territory and enter a price to add sales tax, or a total to take the tax back out.
Money and indexes
Money and indexes
- Inflation calculator for Canada (CPI)Enter an amount and the month it is from to see what it is worth in a later month, adjusted with the Consumer Price Index.
- USD to CAD converter (Bank of Canada rate)Enter an amount to convert between US and Canadian dollars at the Bank of Canada's daily average rate.
Loans, savings and investing
- Loan calculatorBefore you sign for a loan, two numbers matter: what you pay each month and what the loan costs you in interest.
- APR to APY calculatorTwo offers with the same rate can cost different amounts. The difference is how often interest is charged or paid.
- Mortgage calculatorA mortgage is the biggest debt most households ever take on. It pays to see the full numbers before you talk to a lender.
- Rent vs buy calculatorComparing the mortgage payment with the rent is not enough. Buyers pay interest, upkeep and property tax, but they end up owning the home. Renters can keep the down payment invested.
- Compound interest calculatorWith compound interest, the interest is added to your balance and starts earning interest of its own. That is why savings grow faster and faster.
- Simple interest calculatorSimple interest is always worked out on the original principal: interest is not added to the balance during the term.
- Savings goal calculatorA trip, a car, a deposit on a home or a cushion for surprises. A goal with an amount and a date is much easier to hit.
- Retirement savings calculatorA state pension often is not enough to keep your standard of living. Savings of your own, even small ones, make a big difference if you start early.
- Credit card payoff calculatorA credit card is usually the most expensive debt you have. Paying only the minimum stretches it out for years and piles on interest.
- 50/30/20 budget calculatorThe 50/30/20 rule is a simple way to plan your month. Half goes to essentials, 30% to things you enjoy and 20% to savings.
- Emergency fund calculatorAn emergency fund is money set aside for what you can't plan for: losing your job, a health problem or an urgent home repair.
- Car cost calculatorMost people know what they spend on fuel. Few add up insurance, maintenance, parking and, above all, the value the car loses every year.
Business and self-employment
- ROI calculatorA 50% gain sounds great, but it is not the same over 2 years as over 10. To compare investments you need the return per year.
- Profit margin calculatorMargin and markup get mixed up all the time, and the difference can cost you money. Both measure the same profit, but against a different base.
- Break-even calculatorThe break-even point is the level of sales where a business neither makes nor loses money. Below it you lose, above it you start to profit.
- Freelance rate calculatorThe most common freelance mistake is taking the salary you would want as an employee and dividing it by 160 hours. That leaves out taxes, expenses, vacation and every hour you can't bill.
Other calculators
- Canada child benefit calculator (July 2026 to June 2027)Enter how many children you have and your adjusted family net income for 2025 to estimate your CCB payments from July 2026 to June 2027.
- Capital gains tax calculator for Canada 2026Enter what you sold for, what you paid and your other income to see how much tax the gain adds to your 2026 return.
- EI benefits calculator 2026Enter your average weekly insurable earnings to estimate your Employment Insurance regular benefits before tax.
- EI premium calculator 2026Enter your insurable earnings to see the EI premiums that come off your pay in 2026 and what your employer pays on top.
- Land transfer tax calculator: Ontario, Toronto, BC and QuebecEnter the purchase price of a home to see the land transfer tax you pay when the sale closes.
- OAS clawback calculator (OAS recovery tax)If your net world income is above the yearly threshold, you repay part or all of your Old Age Security pension through the OAS recovery tax, often called the OAS clawback.
- RRSP contribution limit calculator 2026Enter last year's earned income, your pension adjustment and any unused room to see how much you can contribute to your RRSP and deduct this year.
- TFSA contribution room calculator 2026Enter the year you became eligible, what you have contributed and what you withdrew before this year to estimate your TFSA room today.
- Variable rate mortgage calculator (prime rate)Enter your mortgage amount, amortization and your discount or premium to prime to see the monthly payment at today's rates.