Canfi Finance Calculators

A complete financial toolkit for Canadians. Calculate mortgages, investments, taxes, credit cards, debt payoff and more. Accurate, bilingual, and fully offline.

Canfi is the fastest, privacy-first way to run Canadian money math - built for Québec and every province. Over 45 calculators cover paycheques, mortgages, taxes, vehicles, investments, and family benefits. Works 100% offline with no account, and we never collect personal data. Get answers in seconds with clear inputs, bilingual UI, full GST/QST/HST coverage, CPP/QPP, EI/RQAP rules, and a built-in glossary that links to official government resources.

Full calculator list:

• Net Pay — Estimate Québec & Canada take-home pay. • Income Tax — View marginal and average rates quickly. • Sales Tax — GST/QST, HST and provincial tax totals. • Carbon Rebate — Estimate Climate Action Incentive. • Salary Raise — See per-pay lift and gain after inflation. • Tips & Split — Calculate tip, rounding, per-person share. • Fuel Cost Compare — Compare fuel/energy cost across cars. • EV vs Gas Cost — Charging vs gas, maintenance, savings. • RRSP Room — 18% rule, pension adjustment, unused room. • Employment Insurance — Weekly benefit and claim total. • Financial Independence — FIRE number and years to reach it. • Rental Property — Cashflow, cap rate, payback over time. • Mortgage Payment — Payment, amortization, interest totals. • CMHC / Mortgage Insurance — Down payment vs premium. • Land Transfer / Welcome Tax — Estimate land transfer tax. • Rent vs Buy — Find breakeven vs renting. • Debt Payoff — Months to clear balance with extra payments. • Loan Payment — Payment by term, rate, and frequency. • Credit Card Cost — Interest and payoff time for your plan. • Finance vs Lease — Compare total cost to lease or finance. • Savings Goal — Time to reach a target. • Recurring Savings Growth — Project balance with contributions. • Savings Withdrawal — See how withdrawals deplete savings. • Retirement Drawdown — Compare spend vs sustainable draw. • RESP Withdrawal — Plan EAP vs PSE withdrawals. • Spousal RRSP Split — Test tax benefit of spousal RRSP. • Inflation-Adjusted Budget — Budget and savings with inflation. • Insurance Needs — Coverage to protect your family. • Education Savings Gap — Gap to future education costs. • Emergency Fund — Size and fund a safety cushion. • Pay & Taxes — Net pay, income tax, and sales tax together. • Homebuying Planner — Payment, CMHC, land transfer, rent vs buy. • Loans & Debt Planner — Payoff timeline or payment by term. • Savings & Emergency Planner — Savings goal, growth, or emergency fund. • Investments & Retirement Planner — Investing, registered plans, drawdown. • Family & Education Planner — Parental leave, benefits, childcare, RESP, rebate. • Investment Planner — Solve for growth, contribution, rate, or time. • Defer/Report Later — Cost to delay reporting/selling gains. • RRSP / TFSA / FHSA — Compare registered savings accounts. • Parental Leave — Estimate EI/RQAP parental benefits. • Family Benefits — Approximate child/family benefits. • Pension (CPP/QPP) — Retirement estimate. • Capital Gains Tax — Tax and after-tax proceeds. • RESP Grants — CESG/IQEE grant estimate. • RRIF / LIF — Withdrawals and depletion timeline. • After-tax Retirement Income — CPP/QPP, OAS, RRSP/RRIF, TFSA after tax. • OAS Clawback — Estimate OAS recovery tax. • Childcare Cost — Daycare net cost with subsidies. • Inflation Impact — Real vs nominal growth. • TFSA Room Tracker — Project TFSA room and balance. • RESP Carry-Forward — Use RESP grant carry-forward room.

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