Money calculators that actually understand Canada.
Take-home pay with real CPP/EI math. Mortgage numbers with the real stress test. Severance estimates that explain the fine print. No sign-up, no spam — just answers.
Take-Home Pay Calculator
What you actually keep from your salary in any province — federal and provincial tax, CPP/QPP, EI, all live.
Calculate →Mortgage Stress-Test Calculator
The payment you'll actually qualify for — contract rate vs. the OSFI stress test, side by side.
Calculate →Ontario Severance Estimator
ESA minimums vs. common-law reasonable notice, explained as a range — not a black box.
Estimate →Rent-Increase Deadline Calculator
Ontario landlords: your earliest legal increase date, the N1 serve-by date, and the guideline max — in seconds.
Calculate →TFSA vs RRSP
In the lab — comparing after-tax outcomes for your situation.
Coming soonLand Transfer Tax
In the lab — including Toronto's double hit.
Coming soonCapital Gains Tax
In the lab — inclusion rates and what you keep.
Coming soonWhy trust a calculator?
Canadian rules, not translated ones
Every tool models actual Canadian law — CRA brackets, CPP/QPP and EI, OSFI stress tests, Ontario ESA. Not a US calculator with maple syrup on top.
Shows its work
Methodology in plain English, official sources cited, and the tax year stamped on every result. If a number looks wrong, you can check it.
Built for exploring
Live recalculation as you type, province comparisons, per-paycheque views. The best financial decisions come from playing with the numbers.
What should the lab build next?
LoonieLab grows from real requests. Tell us which calculator you need, what's confusing, or what we got wrong — a human reads every note.
Suggest a calculator