🇺🇸 US & 🇨🇦 Canada — Official IRS & CRA Formulas

100% Free Financial Calculators for US & Canada

Calculate Mortgage Payments, Federal & State Taxes, Retirement, Loans & Investments in Seconds. No Sign-Up Required.

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Financial Calculator Categories

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Mortgage Calculators

6 Tools

Calculate monthly mortgage payments, home affordability, refinancing savings, and HELOC borrowing limits for US and Canada.

Mortgage PaymentAffordabilityRefinance +3 more
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Loan Calculators

8 Tools

Compare personal, auto, and student loans, credit card payoff timelines, debt consolidation, and debt-to-income ratios.

Personal LoanAuto LoanStudent Loan +5 more
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Retirement Calculators

6 Tools

Plan your retirement with 401(k), RRSP, Social Security, CPP, RMD, and retirement income projection tools.

Retirement SavingsRetirement Income401(k) & RRSP +3 more
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Tax Calculators

10 Tools

Estimate US federal, state, FICA, and capital gains taxes, plus Canadian federal/provincial taxes, GST/HST, and RRSP refunds.

US Federal TaxUS State TaxCapital Gains +7 more
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Investment Calculators

8 Tools

Project portfolio growth with compound interest, ROI, DCA, stock profit, dividend reinvestment, bond yield, and net worth tools.

Compound InterestROI & CAGRDollar-Cost Averaging +5 more
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Personal Finance Tools

8 Tools

Master your daily finances with 50/30/20 budgeting, emergency fund targets, historical CPI inflation, and snowball debt payoff.

50/30/20 BudgetEmergency FundCPI Inflation +5 more
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Popular Financial Guides & Formulas

🏠 How to Calculate a HELOC Payment (Formula + Free Calculator) 📊 HELOC Amortization Schedule: How Draw & Repayment Periods Work 🏠 How Much HELOC Can I Get? (CLTV Eligibility Calculator) 🍁 How Much Does RRSP Reduce Income Tax in Canada? 🍁 RRSP Tax Refund Calculator Ontario ⚖️ Compare Loans Side by Side: True Cost Analysis 📜 Bond Yield to Maturity (YTM) & Current Yield Calculator 📉 How to Calculate Your RMD from an IRA or 401(k) 📈 US Capital Gains Tax Calculator & IRS Rates 📊 Stock Profit & Loss Calculator (Net After Tax & Fees) 🔗 Canadian Debt Consolidation Calculator & Strategy Guide ⚠️ IRA & 401(k) Early Withdrawal Penalty Calculator 🦅 US Federal Income Tax Brackets & Standard Deductions 📊 Mortgage Amortization Schedule Calculator (Monthly & Annual) 🎯 Savings Goal Calculator: How Much to Save Monthly ⏱️ Payday Loan APR & True Cost Calculator USA

📋 Disclaimer: US FinanceCalc provides estimates for educational purposes only. Not financial advice. Consult a qualified professional for personalized guidance. Data sources: IRS.gov, CRA, BLS, Statistics Canada.