Free Canadian banking tool

Which bank account offers you better first-year value?

Enter the published terms for up to three accounts and your expected usage. The calculator estimates bonuses and interest, subtracts common fees, and ranks the results.

Private by design: your entries and calculations stay in this browser. Bremo does not collect the information entered here.

Account 1

Account name Typical balance (CAD) Annual interest rate (%) Monthly fee (CAD) Fee-free months in year one Fee per paid transaction (CAD) Paid transactions per month Out-of-network ATM fee (CAD) Out-of-network withdrawals per month Eligible first-year bonus (CAD)

Account 2

Account 3

Estimated results

Complete the fields, then compare the accounts.

How the estimate works

Estimated interest equals the typical balance multiplied by the annual rate you enter.
Estimated costs include monthly fees after waived months, paid transaction fees and out-of-network ATM fees.
First-year net value equals eligible bonus plus estimated interest minus estimated costs.

This is an educational estimate, not financial advice. Verify eligibility rules, rates, insurance coverage, tax treatment and current fees with the financial institution. Interest is simplified and does not model compounding or changing balances.

Review Bremo’s 2026 online bank guide