Why this site exists
Most financial calculators on the internet are built for the American market. That matters more than it sounds: Canadian fixed-rate mortgages are required by law to compound semi-annually, not monthly like US loans, so a US-style calculator quietly overstates a Canadian mortgage payment. Canadian retirement programs — CPP, OAS, GIS — have their own adjustment factors, thresholds, and clawback rules that don't exist anywhere else. Generic tools get these details wrong, and the errors are big enough to change real decisions.
MapleCalcs was started in 2026 to fix that: a small collection of calculators built specifically on Canadian conventions, where the number you see here matches the number on your bank statement or CRA notice.
What makes these calculators different
The formula is on the page. Every calculator documents its method directly below the inputs — the compounding convention, the adjustment factors, the thresholds, and the year they apply to. You never have to trust a black box; you can check the math yourself or against your lender's own numbers.
The conventions are Canadian. Mortgage tools use semi-annual compounding as required for Canadian fixed-rate mortgages. CPP tools use the actual 0.6% per month early-start reduction and 0.7% per month deferral increase. The OAS tool uses the current year's recovery-tax threshold, not last year's or a rounded guess.
Everything ships in two languages. Every tool and guide on this site is available in English and Traditional Chinese (繁體中文). Hundreds of thousands of Chinese-speaking Canadians navigate mortgage renewals, CPP timing, and estate planning with very little in-language material — and machine-translated finance content is often worse than nothing. Our Chinese pages are written, not auto-translated.
Where the numbers come from
Thresholds and benefit figures are taken from official sources — Canada.ca program pages for CPP and OAS, CRA published thresholds for tax-related figures, and provincial government fee schedules for probate. Each calculator states the year its figures apply to, and we review the numbers when governments publish updates (typically each January and July for benefit rates, and at budget time for anything legislated).
If you find a figure that looks out of date or a result that doesn't match your statement, please tell us — corrections are treated as the highest-priority work on the site.
What this site is not
MapleCalcs is an educational tool, not a financial advisor. The calculators show you what the published formulas produce for the inputs you enter; they don't know your full situation, and they are not a substitute for advice from a licensed professional, your lender's written quote, or Service Canada's own estimate of your benefits. We say this on every page because it's true on every page.
The site is supported by advertising, which keeps every tool free with no sign-up. Advertisers have no influence over the calculators' formulas, results, or the content of any guide.
The tools
Each calculator pairs with a plain-language decision guide covering the parts a calculator can't decide for you.
MapleCalcs