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Tax & Paycheque
Income Tax CalculatorAll provinces, 2025 + 2026 — your true take-home in 10 seconds.Payroll Deductions CalculatorYour real paycheque by pay period — CPP, EI and both taxes.Sales Tax + Reverse HSTEvery province, forward or in reverse — GST, HST, PST, QST.Severance Pay Calculator (ON)Your ESA minimum — and why courts usually award more.Vacation Pay Calculator (ON)The exact 4% and 6% rules, including the payout when you leave.Stat Holiday Pay (ON)Ontario's ÷20 formula plus the 1.5× premium for working the day.
Cars & Home
Car Value EstimatorTrade-in, private-sale and scrap value — transparent math.Car Loan CalculatorPayments with Ontario HST and trade-in handled correctly.Car Affordability CalculatorStart from your budget and get your maximum price.Lease Buyout CalculatorBuy the car or walk away — the equity verdict.Car Insurance EstimatorPublished average premiums for 179 Ontario communities.Mortgage AffordabilityYour true maximum with the federal stress test applied.Land Transfer Tax (ON + Toronto)Exact brackets, Toronto's double tax, first-time-buyer rebates.
Retirement
CPP at 60 vs 65Monthly amounts, lifetime totals and the break-even ages.RRSP Room + RefundYour contribution room and the refund it earns.RRSP Withdrawal TaxWithholding today plus the real cost at filing.RRIF Minimum WithdrawalCRA's official factors by age, five years ahead.OAS + GIS CalculatorPayments, the 15% clawback and the GIS supplement.Retirement NumberThe 4% rule with CPP and OAS counted first.
Immigration & Students
CRS Score CalculatorThe full official Express Entry grid — every factor.BC PNP CalculatorThe official 200-point SIRS grid, effective May 2026.Alberta PNP CalculatorThe official AAIP Worker EOI grid — 100 points.GPA CalculatorUofT, York, SFU, Laurier and UAlberta real scales.OSAP Aid EstimatorGrants and loans with the math shown openly.
Money & Rates — live
CAD → USDThe official Bank of Canada rate, refreshed live.CAD → Indian RupeeToday's rate in India plus honest remittance math.Gold Price CanadaLive spot in CAD — ounce, gram, tola and karat table.Silver Price CanadaLive spot in CAD — ounce, gram and kilogram.
Guides
Canada Groceries & Essentials BenefitThe GST/HST credit's replacement — amounts, dates, who qualifies.GST / CGEB Payment DatesEvery 2026-27 quarterly date, and the name change behind them.RRSP Deadline 2026March 2, 2026 — limits, penalties and last-minute strategy.OAS ClawbackThe $93,454 threshold and six moves that protect your OAS.Ontario Tax Brackets2025 + 2026 rates, the surtax and true marginal math.Severance Pay in OntarioESA minimums, common law and the first 72 hours.RRIF Minimum TableEvery age, every official percentage.

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