Canadian money calculators, minus the guesswork
Take-home pay, raises, self-employed tax, bonuses, CPP, EI, Ontario termination pay and land transfer tax — each one built on current CRA, Service Canada and provincial figures for 2026, and each one explained in plain language.
Payroll & Take-Home
What actually lands in your account: net pay, the take-home change from a raise, and tax for the self-employed.
Tax on Extra Income
Why a bonus or commission cheque feels like it's taxed harder — and what you really keep from it.
Business & Finance
Universal business math — profit margin and markup, with the margin-vs-markup distinction made clear.
Government Benefits & Deductions
How CPP contributions are worked out, and what EI eligibility, hours and payments look like.
Employment Standards
Your minimum statutory termination notice under Ontario's Employment Standards Act.
Property & Housing
The closing-cost taxes on an Ontario home — land transfer tax, Toronto's second municipal tax, and the first-time-buyer rebates.
Key Dates & Limits
The 2026 filing and instalment deadlines, every benefit payment date, and the contribution limits that reset each January — with a live count to the next one.
What this site won't do
There is no mortgage calculator here, and there won't be. There is no calculator for a province whose rule hasn't been read on that province's own page, no worked example that the calculator beside it can't reproduce to the dollar, and no figure anywhere on the site that doesn't carry the address of the government page it came from and the date someone last looked. Three refusals, and between them they decide what the seven sections above contain.
The first is the one that costs the most effort. The 5.95% CPP rate that runs through the payroll tools was last checked against the CRA's own contribution table on July 18, 2026; the $68,900 EI ceiling the same day; Toronto's new land transfer bands on July 13. There are 366 such figures behind the site at the moment, each stored with its source and its date, and a check runs over all of them before anything is published: a value with no source, or one whose January or July re-verification is overdue, fails the check that runs on every push. A blog can quote last year's TFSA limit indefinitely. This can't.
The second is why the prose and the calculators agree. Every dollar figure in a paragraph — the $3,859 a $6,000 raise leaves in Ontario, the $9,851 a self-employed year on $45,000 owes, the $24,950 a Toronto buyer hands over at $800,000 — was produced by the same code that produces the number in the box above it, not typed in from a spreadsheet. When a rate moves, the box moves, and a second check reads the page's structured data for any figure the rates file has retired. Drift between what the page says and what it computes is the failure the whole arrangement exists to prevent.
The third is the reason some sections stop at a border. Income tax, CPP, EI and the payroll tools cover all thirteen provinces and territories, Quebec included with its own pension plan, parental insurance and reduced federal rate. Employment standards cover Ontario, because that is the act that was read. Land transfer tax covers Ontario and Toronto's second layer, for the same reason. A calculator that guessed at Alberta's notice periods or British Columbia's transfer tax would be easy to add and impossible to stand behind, so it isn't there.
What all of that produces is still an estimate. The tools assume a single job, the basic personal amount and nothing unusual on your return, and what comes off a cheque through the year is payroll's running guess at a bill that isn't fixed until the return is filed. Read the number as the arithmetic under the published rules, applied to what you typed in — and if you find one that's wrong, the contact page is how it gets fixed.