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Free Canadian Financial Calculators

Calculate retirement income, compare TFSA vs RRSP strategies, estimate college costs, and optimize your mortgage. All our calculators use current Canadian tax rates and regulations.

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Personalized Financial Education

Master Canadian personal finance with AI-curated learning paths tailored to your goals. Learn about TFSAs, RRSPs, tax planning, investing, and retirement—at your own pace, completely free.

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Complete Retirement & Financial Planning

Plan your entire financial future from retirement savings to estate planning. Our lifecycle planning tools help Canadians visualize their complete financial picture and track progress toward their goals.

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Popular Financial Tools & Resources

Get started with our most popular calculators and learning resources designed specifically for Canadians

CPP & OAS Timing Calculator

Find the optimal time to start your Canada Pension Plan and Old Age Security benefits

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TFSA vs RRSP Calculator

Compare tax-free savings account and registered retirement savings strategies for your situation

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Mortgage Optimizer

Calculate mortgage payments, compare amortization periods, and see how extra payments save you money

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Canadian Tax Calculator

Calculate federal and provincial taxes with detailed breakdowns for all Canadian provinces

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How Our Learning System Works

  • 1.Take a quick assessment to identify your financial knowledge gaps and goals
  • 2.Get a personalized learning path curated by AI based on your needs
  • 3.Learn at your own pace with bite-sized lessons on TFSAs, RRSPs, investing, taxes, and more
  • 4.Track your progress and build confidence in managing your Canadian finances
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Why Canadians Trust Loonies & Sense

  • Canadian-specific calculations using current federal and provincial tax rates
  • Always free to use – no hidden fees, no credit card required
  • Privacy first – calculations run locally in your browser, data never stored
  • Regularly updated with latest government benefit amounts and tax brackets
  • Built by financial professionals for accuracy and reliability
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