Calculators

Free Financial Calculators

A complete set of free calculators for retirement, financial independence, investing, and tax planning, built for Canada and the USA. Every tool models registered accounts like the RRSP, TFSA, 401(k), and IRA where it matters.

FIRE & retirement calculators

Coast FIRE Calculator
Find how much you need invested today so your portfolio can grow to fund retirement with no further contributions. Models RRSP, TFSA, 401(k), and IRA.
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Coast FIRE Calculator for Couples
Run Coast FIRE for two people at once, with a combined target plus each partner’s individual progress and who reaches it first.
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FIRE Calculator
Project your path to full financial independence and the FIRE number you need to retire early.
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4% Rule Calculator
See how much you can safely withdraw each year in retirement using the 4% safe withdrawal rule.
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Barista FIRE Calculator
Model semi-retirement, where part-time income covers part of your spending so your portfolio can keep growing.
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Saving & investing calculators

Compound Interest Calculator
See how your investments grow over time with compound interest and regular contributions, for any compounding frequency, with an optional inflation adjustment.
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Tax calculators

Capital Gains Tax Calculator
Estimate the tax on selling stocks, crypto, or property, with graduated brackets across all Canadian provinces.
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RRSP Withholding Tax Calculator
See how much tax is withheld on an RRSP withdrawal, including Quebec rates, plus your estimated refund or amount owing.
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Land Transfer Tax Calculator
Estimate the land transfer tax on a home purchase in any province, including the Toronto and Montreal municipal taxes and first-time buyer rebates.
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About these calculators

Every calculator here is free, needs no sign-up, and runs entirely in your browser. They support both Canadian and US planning, with the RRSP and TFSA for Canada and the 401(k) and IRA for the USA, so the projections fit your accounts either way. For background reading, see our GIC vs HISA guide and savings rates.

Frequently asked questions

Are these calculators free?

Yes. Every calculator on BankrateToday is completely free, requires no account, and runs in your browser. Nothing you enter is stored or sent anywhere.

Do the calculators work for both Canada and the USA?

The retirement, FIRE, and investing calculators support both, with RRSP and TFSA for Canada and 401(k) and IRA for the USA. The tax calculators are built for Canadian rules, including provincial rates.

Which calculator should I start with?

If you are planning for early retirement, start with the Coast FIRE Calculator to see how much you need invested today. To see how your savings grow over time, use the Compound Interest Calculator. If you are withdrawing from an RRSP or selling an investment, use the matching tax calculator to estimate what you will owe.

These calculators provide estimates for general information only and are not financial, investment, or tax advice. Results depend on the assumptions you enter and do not guarantee future outcomes. Confirm important decisions with a qualified professional.