Canfi Finance Calculators

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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