SmartCruncher Calculators

Mortgage Calculator Calculate your monthly mortgage payment and total cost. Use calculator -> Mortgage Payment Calculator Estimate monthly, biweekly and weekly mortgage payments. Use calculator -> Mortgage Interest Calculator Estimate total mortgage interest over time. Use calculator -> Mortgage Affordability Calculator Estimate the home price that may fit your income. Use calculator -> Rent vs Buy Calculator Compare the estimated cost of renting vs buying. Use calculator -> Down Payment Calculator Plan how long it may take to save a down payment. Use calculator -> Refinance Calculator Estimate mortgage refinance savings and break-even time. Use calculator -> Mortgage Amortization Calculator Estimate mortgage payments, total interest and payoff cost. Use calculator -> Biweekly Mortgage Payment Calculator Estimate regular and accelerated biweekly mortgage payments. Use calculator -> Mortgage Payoff Calculator Estimate when your mortgage could be paid off. Use calculator -> First-Time Home Buyer Calculator Estimate cash needed to buy a first home. Use calculator -> Lump Sum Payment Calculator Estimate mortgage savings from a lump sum payment. Use calculator -> Mortgage Renewal Calculator Estimate payment changes at mortgage renewal. Use calculator -> Mortgage Prepayment Penalty Calculator Estimate a mortgage prepayment penalty. Use calculator -> Home Equity Loan Calculator Estimate available home equity and loan payments. Use calculator -> HELOC Payment Calculator Estimate interest-only and repayment HELOC payments. Use calculator -> Extra Mortgage Payment Calculator See how extra payments may reduce interest and payoff time. Use calculator -> Rental Property Cash Flow Calculator Estimate monthly rental property cash flow. Use calculator -> Rental Property Calculator Estimate rental property income, expenses and cash flow. Use calculator -> Real Estate ROI Calculator Estimate rental property return on investment. Use calculator -> Cap Rate Calculator Calculate rental property capitalization rate. Use calculator -> Closing Costs Calculator Estimate closing costs for a home purchase. Use calculator -> Land Transfer Tax Calculator Estimate land transfer tax on a home purchase. Use calculator -> CMHC Insurance Calculator Estimate mortgage default insurance for a Canadian home purchase. Use calculator -> Property Tax Calculator Estimate annual and monthly property tax. Use calculator ->

Car Loan Calculator Estimate your auto loan payment. Use calculator -> Auto Lease Calculator Estimate a monthly vehicle lease payment. Use calculator -> Car Affordability Calculator Estimate how much car may fit your monthly budget. Use calculator -> Cost of Ownership Calculator Estimate the monthly cost of owning a vehicle. Use calculator -> Fuel Cost Calculator Estimate fuel cost for regular driving. Use calculator -> EV vs Gas Savings Calculator Compare estimated EV and gas vehicle energy costs. Use calculator -> Road Trip Cost Calculator Estimate the fuel cost for a road trip. Use calculator ->

Debt Payoff Calculator See how long it may take to become debt-free. Use calculator -> Debt Snowball Calculator Compare a smallest-balance-first debt payoff plan. Use calculator -> Debt Avalanche Calculator Estimate a highest-interest-first debt payoff plan. Use calculator -> Balance Transfer Calculator Estimate whether a balance transfer may save interest. Use calculator -> Minimum Payment Calculator See the long-term cost of paying only the minimum. Use calculator -> Debt Consolidation Calculator Estimate debt consolidation payment and interest savings. Use calculator -> Personal Loan vs Credit Card Calculator Compare a personal loan with credit card payoff. Use calculator -> Credit Card Payoff Calculator Estimate how long it may take to pay off a credit card. Use calculator -> Credit Card Interest Calculator Estimate monthly and annual credit card interest. Use calculator -> Credit Utilization Calculator Calculate your credit utilization percentage. Use calculator ->

Compound Interest Calculator See how your money can grow over time. Use calculator -> Savings Calculator Plan savings growth and contributions. Use calculator -> Emergency Fund Calculator Estimate how much to save for emergencies. Use calculator -> Savings Goal Calculator See how long it may take to reach a savings goal. Use calculator -> Vacation Savings Calculator Plan how long it may take to save for a vacation. Use calculator -> Wedding Savings Calculator Plan savings for a wedding budget. Use calculator -> Simple Interest Calculator Calculate interest without compounding. Use calculator -> Future Value Calculator Estimate the future value of money. Use calculator -> Inflation Calculator Estimate future cost after inflation. Use calculator -> Present Value Calculator Estimate present value of future money. Use calculator ->

Investment Calculator Estimate future investment value. Use calculator -> Net Worth Calculator Calculate your assets minus liabilities. Use calculator -> Dividend Calculator Estimate annual and monthly dividend income. Use calculator -> ROI Calculator Calculate return on investment. Use calculator -> Investment Return Calculator Calculate investment gain and annualized return. Use calculator -> Portfolio Growth Calculator Project portfolio growth over time. Use calculator -> Stock Return Calculator Estimate stock investment return. Use calculator -> Dividend Reinvestment Calculator Estimate growth from reinvested dividends. Use calculator -> CAGR Calculator Calculate compound annual growth rate. Use calculator -> Rule of 72 Calculator Estimate how long money may take to double. Use calculator ->

Retirement Calculator See if you are on track for retirement. Use calculator -> Retirement Income Calculator Estimate monthly retirement income from savings. Use calculator -> Retirement Savings Calculator Project retirement savings over time. Use calculator -> Retirement Spending Calculator Estimate how long retirement savings may last. Use calculator -> Retirement Withdrawal Calculator Estimate a sustainable monthly withdrawal. Use calculator -> Retirement Nest Egg Calculator Estimate the nest egg needed for retirement income. Use calculator -> FIRE Calculator Estimate when you may reach financial independence. Use calculator -> RRSP Calculator Estimate RRSP tax savings and future value. Use calculator -> TFSA Calculator Estimate tax-free investment growth. Use calculator -> CPP Calculator Estimate annual and monthly CPP retirement income. Use calculator -> OAS Calculator Estimate annual and monthly OAS income. Use calculator ->

Salary Calculator Convert hourly pay into annual salary. Use calculator -> Hourly Wage Calculator Convert annual salary into an hourly wage. Use calculator -> Overtime Calculator Estimate weekly pay including overtime. Use calculator -> Paycheck Calculator Estimate take-home pay per paycheck. Use calculator -> After Tax Income Calculator Estimate annual and monthly after-tax income. Use calculator -> Bonus Tax Calculator Estimate take-home pay from a bonus. Use calculator -> Self-Employed Income Calculator Estimate self-employed net income after tax and expenses. Use calculator -> Contractor Rate Calculator Estimate an hourly contractor rate from desired income. Use calculator -> Side Hustle Income Calculator Estimate side hustle profit and take-home income. Use calculator ->

Loan Calculator Calculate loan payments, interest and amortization. Use calculator -> Personal Loan Calculator Estimate personal loan payments and interest. Use calculator -> Loan Payment Calculator Calculate a fixed monthly loan payment. Use calculator -> Loan Interest Calculator Estimate total interest on a loan. Use calculator -> Student Loan Calculator Estimate student loan payments and interest. Use calculator -> Student Loan Payoff Calculator Estimate how quickly student loans can be paid off. Use calculator -> Business Loan Calculator Estimate business loan payments and borrowing cost. Use calculator -> Equipment Loan Calculator Estimate payments for equipment financing. Use calculator -> SBA Loan Calculator Estimate SBA-style business loan payments. Use calculator -> Loan Comparison Calculator Compare two loan options side by side. Use calculator ->

Wedding Budget Calculator Break down a wedding budget into common categories. Use calculator -> Baby Cost Calculator Estimate first-year baby costs. Use calculator -> College Cost Calculator Estimate future college or university costs. Use calculator -> Child Education Savings Calculator Project education savings for a child. Use calculator -> RESP Calculator Estimate RESP growth with contributions and grants. Use calculator ->

Income Tax Calculator Estimate take-home pay from an average tax rate. Use calculator -> Capital Gains Tax Calculator Estimate tax on a capital gain. Use calculator -> RRSP Tax Savings Calculator Estimate tax savings from an RRSP contribution. Use calculator ->