A reference desk for Canadian money questions
NerdMetrics is a set of calculators and written guides built on the published federal and provincial figures for the current tax year. It exists because the arithmetic is knowable and most of the tools that claim to do it will not show you how.
Most Canadian financial calculators have one of two problems. They are national when the question is provincial — a take-home figure that ignores the Ontario surtax or the Quebec abatement is simply wrong — or they are marketing, designed to produce a number large enough that you fill in a contact form.
This site takes the opposite approach. Every model is open about what it assumes, every result comes with the breakdown behind it, and nothing is optimised for capturing your email address. The 25 calculators cover the decisions Canadians actually face: what a mortgage costs under semi-annual compounding, which registered account a dollar should go to, when to take CPP, what a corporation saves, and how much of an invoice belongs to the CRA.
Four commitments
Show the working
A single number is not an answer. Every calculator lists the inputs it used, the intermediate figures, and the assumption behind each one, so you can check it against your own statement or disagree with it on the merits.
Province by province
Canadian financial questions almost never have a national answer. Brackets, surtaxes, health premiums, land transfer tax, sales tax and corporate rates all differ, so every calculator that depends on where you live asks where you live.
Nothing leaves your browser
There are no accounts, no analytics on your inputs, and no server that receives what you type. The whole model is JavaScript running on your device, which is also why the calculators respond as you drag a slider.
No lead generation
We do not sell your details to a broker, and the results are not shaped to steer you toward a product. If a calculator says a refinance does not pay, that is the output of the arithmetic.
The numbers everything is built on
- Federal bottom rate
- 14%
- On the first $58,523 of taxable income — the 2026 reduction.
- TFSA room
- $7,000
- For 2026. $109,000 cumulative if you have been eligible since 2009.
- RRSP dollar limit
- $33,810
- 18% of earned income to a ceiling that rises with average wages.
- FHSA limit
- $8,000
- Per year to a $40,000 lifetime cap. Deductible going in, tax-free coming out.
- Maximum CPP contribution
- $4,034.10
- 5.95% of pensionable earnings between $3,500 and $71,300.
- Stress test floor
- 5.25%
- Lenders qualify you at your rate plus two points, or this floor.
The site in numbers
The limits, stated plainly
These are estimates for planning. They are not advice, not a quote, and not an approval. A lender’s underwriting looks at your credit file, your employment history and the property itself; the CRA looks at your actual return. A calculator cannot see any of that.
Tax rules also change mid-year, and provincial budgets routinely adjust rates and credits with retroactive effect. Where a figure is indexed or announced but not yet legislated, the methodology page says so. For a decision of any size, use these numbers to frame the question and then take them to an accountant, a mortgage broker, or a fee-only planner.
If a number looks wrong
Tell us which calculator, which province, and the inputs you used. Reports that identify a specific figure get fixed fastest, and a rate that has changed is worth more than a general complaint.
hello@nerdmetrics.ca