⚡ Official 2026 Rates

Ontario Tax & Finance
Calculators — Free

Take-home pay, mortgage, CPP, HST, Land Transfer Tax — 18 free tools calibrated to Ontario and CRA 2026 rules. Private, instant, no sign-up.

⚡ Explore Calculators 📚 Read the Blog
18
Calculators
100%
Private & Free
2026
Up-to-date
CRA+ON
Official Data
🔒
100% Private
No data sent to our servers
📊
Official 2026 Rates
CRA, Ontario & CMHC data
⚡
Instant Calculation
Local JavaScript, no loading
🎉
Always Free
No registration required
Free tools

Choose Your Calculator

Every tool is calibrated to Ontario provincial and CRA federal rules with official 2026 parameters.

💰 Income & Tax
💵
Income
Ontario Take-Home Pay
Gross to net with federal + Ontario tax, CPP, EI and Ontario Health Premium. Employee & self-employed modes.
EmployeeSelf-EmployedOntario Surtax
Calculate my pay →
🏷
Taxes
HST Calculator
Add or remove Ontario HST (13%) instantly. Compare rates across all provinces. Essential for freelancers and businesses.
HST 13%Add / Remove tax2026 rates
Calculate HST →
📋
Business
Tax Instalments
Estimate your quarterly CRA instalment payments to avoid penalties. Prior-year and current-year methods included.
Self-Employed$3,000 ruleQuarterly calendar
Estimate instalments →
⚖
Business
Dividends vs Salary
Compare net income as salary vs eligible/non-eligible dividends for Ontario incorporated business owners.
Tax integrationNet in pocketCPP optional
Compare options →
🚗
Transport
Mileage Reimbursement
CRA 2026 rates (72¢/km). Integrated logbook and actual-cost comparison for business vehicle deductions.
CRA 72¢/kmLogbookActual cost
Calculate mileage →
🏖 Retirement
📊
Retirement
CPP Calculator
Estimate your Canada Pension Plan benefit based on start age (60–70) and career earnings. Includes CPP2.
CPP & CPP2Early / Late start2026 max
Estimate my CPP →
👴
Retirement
OAS / GIS Calculator
Estimate your Old Age Security and Guaranteed Income Supplement, and calculate the OAS clawback threshold.
Age 75 boostClawbackGIS
Estimate my OAS →
🏖
Retirement
Retirement Planner
CPP + OAS + RRSP income projection, the 4% rule, and optimal retirement date calculator for Ontario residents.
CPP + OAS 20264% ruleDate planner
Plan my retirement →
📈
Savings
RRSP / TFSA / FHSA
Compare the tax impact of RRSP vs TFSA vs FHSA, project your savings with compound returns and available room.
Tax impactCompound returnsAvailable room
Optimize my savings →
💰
Retirement
RRIF Withdrawal
Calculate the mandatory minimum RRIF withdrawal percentage and amount for 2026 by age, including spouse option.
CRA 2026 ratesRRSP conversionSpouse age
Calculate withdrawal →
🏠 Real Estate
🏠
Real Estate
Mortgage Calculator
Monthly payments with Canadian semi-annual compounding, automatic CMHC insurance premium and GDS/TDS ratios.
CMHC auto1–30 yearsGDS/TDS ratios
Calculate my mortgage →
📐
Real Estate
Mortgage Affordability
Maximum purchase price based on GDS (39%) and TDS (44%) ratios, including the OSFI B-20 stress test.
GDS/TDS ratiosStress testMax price
Calculate affordability →
🔑
Real Estate
Land Transfer Tax
Ontario LTT + Toronto MLTT with first-time buyer rebates. Full 2026 brackets for any Ontario property purchase.
Ontario 2026Toronto MLTTFirst-buyer rebate
Estimate my LTT →
💳
Credit
Loan Calculator
Monthly payments for personal, auto or consolidation loans. Full amortization schedule included.
Personal loanAuto loanAmortization
Simulate my loan →
👪 Family
👶
Family
EI Maternity & Parental
EI maternity (15 wks) and parental benefit estimates for Ontario residents. Standard and extended parental options.
Standard / ExtendedSharing bonus2026 limits
Estimate my EI →
🍁
Family
Canada Child Benefit (CCB)
Estimate your federal CCB monthly payment based on net family income and children's ages. 2026 amounts.
CCB Federal2026 limitsMonthly amounts
Estimate my CCB →
👪
Family
Ontario Child Benefit
Calculate your Ontario Child Benefit (OCB) amount based on net family income and number of children.
Net incomeSingle-parent2026 rates
Estimate my OCB →
🧸
Family
Child Care Calculator
Real cost of CWELCC-regulated vs private child care after federal and Ontario child-care expense deductions.
CWELCC 2026Federal deductionNet cost
Compare child care →
Blog

Guides & Articles

In-depth articles to help Ontario residents understand tax rules and make better financial decisions.

📋
Taxation
Income tax, HST, CPP/EI, instalments, dividends, self-employment and Ontario-specific credits.
Coming soon
Read articles →
🏠
Real Estate
Mortgages, Land Transfer Tax, CMHC, stress test, first-time buyer programs in Ontario.
Coming soon
Read articles →
👪
Family
EI parental benefits, CCB, Ontario Child Benefit, child care deductions and RESP.
Coming soon
Read articles →
🏖
Retirement
CPP, OAS, GIS, RRIF, RRSP, 4% rule and Ontario retirement planning strategies.
Coming soon
Read articles →