Work through the question.
See the assumptions, follow a checked example, then explore your own numbers. These guides cover specific Canadian questions and explain where each calculation ends.
Published by DollarMath. Calculation checks and editorial standards.
What does an extra $100 mortgage payment change?
Compare a $400,000 Canadian mortgage with and without $100 extra monthly. See checked interest savings, payoff time, assumptions and lender limits.
Read the guideRegional comparisonOntario vs Québec: take-home pay on $100,000
Compare reviewed 2026 Ontario and Québec salary estimates, including federal/provincial tax, CPP/QPP, EI and QPIP. See a reconciled $100,000 example.
Read the guideWorked exampleStarting a job partway through the year: plan the pays left
Plan three monthly pays at a $120,000 salary with entered tax withholding, CPP and EI. Understand new-employer counters and why annual net pay is different.
Read the guideGuide + illustrationSmith Manoeuvre
Model monthly mortgage readvancing, investment borrowing, delayed tax relief and losses. Compare equal household cash invested without reborrowing, privately.
Read the guideGuide + illustrationT1213 and payroll tax relief
Learn what T1213 requests, how RRSP deductions can affect withholding, and why Québec needs separate attention. Illustrate tax-relief timing without submitting personal data.
Read the guideChoose the model that answers your question
Annual take-home pay, remaining regular pays and payroll tax-relief timing answer different questions. Mortgage prepayments and borrowing to invest also need different cash-flow assumptions. Each guide identifies its supported model, example inputs, rule version and exclusions.
All amounts in these guides are CAD. Regional tax examples use reviewed 2026 Canadian planning rules. They do not extend Canadian tax or mortgage rules to the US, UK or Ireland.
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