Money tools

Free calculators. Everything runs in your browser and nothing is sent to us.

Debt payoff planner

Compare the avalanche method (highest rate first) with the snowball method (smallest balance first).

Debt	Balance	Rate %	Minimum
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Add a debt

Extra each month on top of minimums

Credit utilization

How much of your card limits you are using, and what to pay to get under 30% and 10%.

Total card balancesTotal card limits

Loan payment

Monthly payment and total interest for a personal, car or student loan.

AmountInterest rate %Term in years

Mortgage payment

Monthly payment and interest over the amortization.

Home priceDown paymentInterest rate %Amortization in years

Home affordability

A rough maximum home price using common debt-service limits and a stress-test rate.

Household income per yearOther debt payments per monthProperty tax and heating per monthDown paymentMortgage rate %Amortization in years

HELOC

How much you might borrow against your home and the interest-only payment.

Home valueMortgage balance owedLender limit (% of value)Amount you plan to useHELOC rate %

Line of credit payment

Interest-only versus paying it off over a set time.

BalanceInterest rate %Pay it off in (months)

Credit card interest

How long minimum payments take, and how much a fixed payment saves.

Card balanceCard rate %Minimum payment (% of balance)Fixed payment you could make

Monthly budget

Income versus spending, saved in this browser only.

Income per month

Take-home pay Other income

Spending per month

Rent or mortgageUtilities, phone, internetGroceriesTransportDebt paymentsEverything else

Amounts in CAD. Results are estimates for planning only. Lenders use their own rules and rates.