Money decisions,worked out.
Four free calculators built on Canadian rules and government figures, each with its sources. Nothing to sign up for.
Rent or buy
Land transfer tax, CMHC insurance, the stress test, and owning versus renting
Open the calculator →TFSA or RRSP
Where the same dollars leave you more, with this year’s limits
Open the calculator →Debt payoff
Highest rate first or smallest balance first, with your own debts
Open the calculator →Retirement check
Your savings plus CPP and OAS against the income you want
Open the calculator →
How these calculators work
Government figures, with sources
Every tax rate, limit and pension amount comes from a government page, linked under each calculator with the day we checked it.
Your assumptions stay yours
Growth rates, investment returns and tax rates start empty. Nobody knows them for you, so try a few and see how much the answer moves.
What you type stays in your browser
The maths runs on this page. What you type isn’t sent to habitt or saved.
The same maths as the app
These are the decision tools coming to the habitt app, running the same code.
Government figures checked on October 31, 2026.
An estimate to help you think it through, not financial or tax advice.
Get your invitation.
These tools are coming to the habitt app, next to your budgets, your bills and an AI CFO that knows your numbers. Join the waitlist and we’ll email you when your spot opens.