NorthPeak Money

Free Canadian money calculators — mortgages, taxes, benefits, and the big financial decisions, explained with real numbers.

Backdoor Roth IRA Calculator

Estimate the taxable share of a backdoor Roth conversion under the IRA pro-rata rule, check 2026 direct Roth eligibility, and calculate mega backdoor Roth room.

2026 Canada Take-Home Pay Calculator

Estimate your 2026 take-home pay in every Canadian province and territory, with federal and provincial tax, CPP or QPP, EI, and QPIP broken out.

Canadian Home Affordability Calculator

Estimate how much home you can afford in Canada using GDS, TDS, the mortgage stress test, minimum down payment rules and CMHC insurance premiums.

Canadian Mortgage Penalty Calculator

Estimate the cost to break a Canadian mortgage using three months’ interest, standard IRD, or discounted posted-rate IRD — then test refinance break-even.

CMHC Mortgage Insurance Calculator Canada (2026)

Estimate CMHC mortgage insurance, provincial premium tax, monthly payments and the cost of 25- vs 30-year amortization in Canada.

EI Maternity and Parental Benefits Calculator — 2026 Canada

Estimate 2026 EI maternity and parental benefits in Canada. Compare standard and extended parental benefits, model shared weeks, and see your estimated family total.

Ontario Child Support Calculator — 2025 Federal Tables

Estimate Ontario child support using the 2025 Federal Child Support Tables, including shared-parenting set-off and section 7 expense shares.

Ontario Daycare Cost Calculator

Estimate monthly and annual Ontario daycare costs, compare CWELCC and non-participating care, and plan around Ontario

Ontario Land Transfer Tax Calculator — 2026 Rates & Rebates

Calculate Ontario and Toronto land transfer tax, see every bracket, and estimate first-time home buyer refunds with current 2026 rates.

Ontario Rent Increase Calculator — 2026 & 2027 Guidelines

Calculate an Ontario rent increase using the 2027 guideline, compare 2026 and earlier years, check new-build exemptions, model an approved above-guideline increase, and learn the 90-day and 12-month rules.

Rent vs Buy Calculator Canada

Compare renting and buying a home in Canada with mortgage insurance, closing costs, maintenance, rent growth, home appreciation and investment returns included.

Start a Business Cost Calculator Canada | Startup Budget & Monthly Burn

Estimate how much it costs to start a business in Canada. Build a detailed startup budget, monthly burn rate and six-month funding target for a food, online, service or trades business.

Trademark and Product Registration Cost Calculator

Estimate Canadian and U.S. trademark filing fees, patent and incorporation costs, and a complete idea-to-protected-product budget.

About NorthPeak Money

NorthPeak Money is published by NorthPeak Estimates. Our free calculators help Canadians plan major expenses with realistic, sourced numbers — no sign-up, everything runs in your browser. Estimates are for planning purposes only and are not professional advice.

Contact: northpeakestimates@proton.me