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CANADIAN LIFE · CLEARER DECISIONS

Canada Calculators & Tools

From your next paycheque to your next home. Useful calculators and photo preparation in one place.

YOUR TOOL · YOUR NEXT STEP

Canada Calculators & Tools — see the details.

Canadian mortgage, GST/HST, take-home pay, prorated rent and home buying cost tools, plus a private photo checker and layout planner.

5 calculators

HOUSING

Canadian Mortgage Calculator

Compare payment schedules, CMHC premiums and the effect of extra repayments.

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SHOPPING & TAX

GST / HST Calculator

Add or remove GST/HST by province. PST and QST are not included.

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INCOME · 2026

Canada Take-Home Pay Calculator

Estimate after-tax salary across all 13 provinces and territories.

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RENTING

Prorated Rent Calculator

Split rent using the actual calendar days in a month, with both occupancy endpoints included.

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BUYING A HOME

Home Buying Cost Planner

Add down payment, legal fees, transfer taxes and other closing costs. Enter local fees and rebates yourself.

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CANADA PHOTO TOOLS

A better start for your ID photo.

Check an original photographer’s file against selected size requirements, review head positioning and prepare a clearly labelled layout draft. Passport and PR photos must follow official rules; editing a selfie does not make it an accepted application photo.

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Choose the right tool for your next step

Use the mortgage calculator to explore payments, then the home buying cost planner to include closing expenses. The cost planner uses the fees you enter; it does not automatically determine provincial or municipal land-transfer taxes, eligibility for rebates or first-time buyer incentives.

The GST/HST calculator covers GST and HST on standard taxable supplies. Provincial sales taxes and Quebec sales tax are separate. Rent proration uses actual calendar days, so check whether your lease requires a different method. Salary results are annual averages using the stated 2026 assumptions, rather than an exact payslip.

Frequently asked questions

Which Canadian tools are here?

Mortgage and home-buying cost calculators, GST/HST, take-home pay and prorated rent, plus a passport and visa photo checker and a layout planner. Each one uses Canadian rules and rates rather than generic figures.

Are the tax and mortgage rules current?

The calculators follow the federal and provincial rules in force for the current year, including provincial sales tax differences. Rates change with budgets, so confirm anything you rely on for a filing or a mortgage application against the CRA or your lender.

Do the photo tools upload my picture?

No. The passport and visa photo checks run in your browser, so identity photos are never sent to a server.