MapleCalcs Canadian money math, done the Canadian way.
Most online calculators quietly use American formulas. Canadian mortgages compound semi-annually. CRA rules have their own thresholds. MapleCalcs tools are built on the exact conventions your bank and the CRA actually use — so the numbers here match the numbers on your statement.
Calculators
How Much Will You Get at 65? CPP + OAS + GIS
All three federal programs in one number — and what starting CPP at 60, 65 or 70 does to your total once the GIS offset is counted. A CPP-only calculator can't show you this.
Open calculator →Mortgage Renewal Calculator
Renewing at a higher rate? See your new payment, the monthly increase, and what the new rate really costs in interest over your next term — with correct semi-annual compounding.
Open calculator →Mortgage Penalty Calculator (IRD)
Breaking your mortgage? Estimate the penalty both ways — 3 months' interest vs the Interest Rate Differential — including the posted-rate method the big banks use.
Open calculator →CPP Breakeven Calculator (60 vs 65 vs 70)
Take CPP early and collect longer, or wait and collect more? Compare lifetime totals for all three start ages and see the exact breakeven ages for your situation.
Open calculator →OAS Clawback Calculator
Above the threshold, every extra dollar costs 15 cents of Old Age Security. See your recovery tax, your reduced monthly OAS, and how far you are from losing it entirely.
Open calculator →FHSA vs RRSP (HBP) vs TFSA — Down Payment Calculator
Saving for a first home? Compare all three accounts side by side: what each produces at closing, the tax refunds, and which one you have to pay back.
Open calculator →GIS Calculator — Guaranteed Income Supplement
Low retirement income? See your estimated GIS, how close you are to losing it, and what your next $1,000 of RRIF income really costs — the steepest clawback in the Canadian system.
Open calculator →RESP Grant Calculator (CESG)
Ottawa matches 20% of RESP contributions, up to $7,200 per child — but the grant expires year by year. See how much you'll capture and how much you're about to lose for good.
Open calculator →Canada Child Benefit Calculator
Your monthly CCB for 2026–27 — plus the thing no other calculator shows: how much an RRSP contribution would add to next year's benefit on top of your tax refund.
Open calculator →RRSP Contribution Limit Calculator
Your deduction limit from earned income, pension adjustment and carry-forward — plus what a contribution is really worth once the Canada Child Benefit increase is counted.
Open calculator →RRSP or TFSA? Decision Calculator
The only comparison that counts the two things that actually flip the answer: the Canada Child Benefit you gain going in, and the GIS you lose coming out.
Open calculator →Probate Fees Calculator — Every Province
The same estate pays $0 in Manitoba, $525 in Alberta, and five figures in Nova Scotia or Ontario. Calculate your province's fee and compare all 13 jurisdictions.
Open calculator →Decision Guides
Fixed or Variable? How Long a Term?
A renewal decision guide — use alongside the Mortgage Renewal Calculator.
Read the guide →Should You Break Your Mortgage?
A decision guide — use alongside the Mortgage Penalty Calculator.
Read the guide →When Should You Take CPP?
A decision guide for 60, 65, or 70 — use alongside the CPP Breakeven Calculator.
Read the guide →How to Avoid the OAS Clawback
A decision guide — use alongside the OAS Clawback Calculator.
Read the guide →FHSA, HBP, or TFSA?
A first-home down payment decision guide — use alongside the FHSA Calculator.
Read the guide →How to Protect Your GIS
A decision guide for low-income retirees — use alongside the GIS Calculator.
Read the guide →RESP: How Much, How Late, What If They Don't Go?
An education savings decision guide — use alongside the RESP Grant Calculator.
Read the guide →How to Legally Increase Your CCB
A decision guide for parents — use alongside the CCB Calculator.
Read the guide →How to Reduce Probate Fees
A decision guide — use alongside the Probate Fees Calculator.
Read the guide →Articles
RRIF Minimum Withdrawals: The Full Table
Every age's minimum percentage, the withholding-tax trap, and five strategies to keep forced withdrawals from inflating your tax bill and OAS clawback.
Read the article →TFSA Contribution Room in 2026
The $7,000 limit, the withdrawal-timing rule that causes accidental overcontributions, and why the CRA's online number can mislead you.
Read the article →CPP in 2026: Maximum vs Average
The maximum is $1,507.65 a month — the average new pension is around $877. How your actual number gets built, and what moves it.
Read the article →Keeping Assets Out of Probate
Beneficiary designations, joint ownership, multiple wills, and trusts — what each one actually does, and when it backfires.
Read the article →Mortgage Prepayment Privileges
The fine print that lets you prepay penalty-free every year — and the timing trick that shrinks a breakage penalty.
Read the article →Newcomers to Canada
Your First Year of Money in Canada
When you become a tax resident, whether pre-arrival income is taxed, the benefits you can claim the week you land, and why both spouses must file even with no income.
Read the guide →TFSA and RRSP for Newcomers
Your TFSA room does not start in 2009, and CRA My Account may show a number that gets you penalised 1% a month. RRSP room is usually zero in year one.
Read the guide →Foreign Assets and Money Transfers
T1135, the $100,000 threshold, the first-year exemption — and the landing-day paperwork that decides your future capital gains bill.
Read the guide →Why another calculator site?
Because the math is usually wrong for Canada. By law, Canadian fixed-rate mortgages compound semi-annually — not monthly like US loans. Most calculator sites ignore this and overstate your payment. Every MapleCalcs tool documents its formula on the page, so you can verify the method yourself.
And because nobody serves Chinese-speaking Canadians. Every tool here ships in English and 繁體中文 — mortgage renewals, CPP timing, and probate fees are confusing enough in your first language.