DollarMath.

Built for the decisions life brings.

Your money.
Do the math.

A little clarity before a big decision. Free Canadian financial tools to explore the what-ifs, compare your options, and make a plan.

Find your calculator

Calculated in your browser. No account or email needed.

A small change. A different future.Example

What if you paid
$200 more each month?

Interest you could save$41,746
Mortgage paid off3 yr 6 mo sooner
Projected debt balance over timeYour plan starts at $400,000 and pays off in approximately 21.5 years. The comparison starts at $400,000 and pays off in approximately 25.0 years.$0$200K$400K0 yr6.25 yr12.5 yr18.75 yr25 yr
With $200 extraOriginal plan

$400,000 mortgage, 4.5% fixed, 25-year amortization. Assumes the same rate for the full projection. Your results will vary.

Try it with your numbers
Free to useNo lead formsYour inputs stay in your browserCanadian rules, clear assumptions

What are you figuring out?

Start with a question. Leave with a clearer picture.

Canada first. 7 tools ready.
Ready to use

Mortgage payments & prepayments

Compare rates, payment frequencies, and extra payments. See your balance at renewal and the long-term difference.

Open calculator
Ready to use

Take-home pay

A new job, a raise, a different province. See what could reach your bank account.

All provinces & territories / 2026
Ready to use

RRSP tax savings

Explore contribution amounts and understand the tax trade-offs.

Tax relief today, withdrawals tomorrow
Ready to use

Loan repayment

Compare payment plans and see what it takes to become debt-free.

Recurring extras & one-time payments
Ready to use

Sell, buy & move

Put selling costs, a new home, and the cash you want to keep in one picture.

Ontario, Toronto & BC rules / quotes elsewhere
Ready to use

Compound interest

See what regular saving and time could add up to. Compare contributions, growth, and purchasing power.

Monthly savings & inflation assumptions
Ready to use

Debt payoff strategy

One budget across several debts. Compare highest-rate-first and smallest-balance-first repayment.

Avalanche & snowball / up to 10 debts

Useful tools.
No strings attached.

We built DollarMath because figuring out your finances shouldn’t end with a sales call. You deserve useful answers without becoming someone’s next lead.

Calculations run in your browser. No signup, no contact details, and no financial inputs sent to advertisers.

Read our approach

Help keep the math open.

Optional contributions and clearly marked ads can help keep these tools free for everyone. Access to the tools will always be free.

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