Free Financial Calculators

Honest Canadian money tools that show their math. Every one works instantly with sensible defaults, needs no signup, and keeps your numbers in your browser.

How these calculators are built

They show the working, not just an answer, so you can trust the number.
They never hide the result behind an email. The email list is optional and comes after.
They tell you the honest answer, even when it is that a move would cost you more.
They run entirely in your browser. Nothing you type is stored or sent anywhere.

Everyday money

Get the foundations right.

New

Emergency Fund

How many months of expenses you should keep, adjusted for your income stability and dependents.

New

Net Worth

Add your assets and debts to see total and liquid net worth, and how they compare.

Budget

Build a monthly budget from your income, expenses and savings goals.

Bank Fee Escape

What your current account costs per year versus a no fee alternative, over time.

Bank-switching decision tools

Check the math, plan the move and avoid preventable fees.

New

Bank-switching calculator

Compare switching costs, monthly savings and any bonus to see when a move pays back.

How to switch banks in Canada

Move deposits and bill payments in a practical order without missing a step.

New

Switching break-even centre

Test the break-even point before choosing an offer or changing accounts.

Saving and investing

Grow money and choose the right account.

New

Compound Interest

See how savings grow, how much is contributions versus growth, and the power of time.

New

Savings Goal

How long to reach a target, or how much per month to hit a goal by a date.

New

TFSA vs RRSP

Which account wins for you, honestly, at your tax rate now versus in retirement.

RRSP

Project RRSP growth and the tax refund on your contributions.

TFSA

Estimate tax free growth and your contribution room.

FHSA

Plan a first home down payment inside the First Home Savings Account.

GIC

Compare guaranteed returns across terms for money you cannot risk.

Debt and credit

Pay it down faster and pay less interest.

Debt Payoff

Compare the avalanche and snowball methods and find your debt free date.

New

Credit Card Minimum

How long minimum payments really take, versus a fixed higher payment.

Home and mortgage

Big decisions, clear numbers.

Mortgage Payment

Monthly payments, total interest and the amortization for a Canadian mortgage.

Mortgage Renewal

Compare your current payment to a new rate and see the lifetime interest difference.

Bank bonuses

Turn free money offers into a real plan.

New

Bonus Stacking Planner

Pick the offers you will pursue this year and see the realistic total, with requirements.

Keep going

All Canadian bonusesEvery verified cash offer we track.Bank bonus trackerThe live list with full terms.More toolsThe wider Bremo tool collection.Bremo homeIndependent Canadian personal finance.

Bremo is an independent Canadian personal finance resource, not a financial institution or an adviser. Calculators are for general education and use only the values you enter. Verify anything important with a qualified professional.