Methodology

Each calculator uses published formulas appropriate to its topic — for example, Canadian semi-annual mortgage compounding, marginal tax brackets, or compound interest with configurable frequency.

Assumptions

We state key assumptions near results and in each calculator's “How this is calculated” section. Common simplifications include: steady contribution rates, flat investment returns, no inflation adjustment (unless noted), and exclusion of credits you have not entered.

Official rates

Where calculators rely on CRA limits, tax brackets, CPP/EI rates, or OSFI mortgage guidance, we label the tax year or revision date clearly. “2025 tax year” means rules for the 2025 taxation year even when viewed in 2026.

Limitations

• Estimates only — not professional advice
• May not include every credit, deduction, or provincial nuance
• Stock tools use price history, not total return with dividends
• Tax calculator covers all 13 provinces and territories

See our sources page for reference links and the updates log for recent changes.