Tax and Financial Calculators (2026)
Calculators and guides for Canadian income tax, payroll, business structure, mortgages and estates. Tax tools default to 2026 rates and update as you type.
Personal tax
Income Tax CalculatorTake-home pay after federal and provincial tax, CPP and EI, with marginal rates by income type. RRSP Tax Savings CalculatorThe tax an RRSP contribution saves at your income, with a warning if you exceed your contribution room. TFSA vs RRSP CalculatorCompare what a TFSA and an RRSP leave you after tax at the same cost today, with a growth chart. Capital Gains Tax CalculatorTax on a capital gain in any province, with an option for the lifetime exemption on small business shares. How to Calculate Taxable Income (Guide)A step-by-step guide from total income to taxable income, with 2026 deduction limits and tax brackets.Self-employed and CRA
Quarterly Tax CalculatorQuarterly instalments for self-employed Canadians, using the three CRA methods with due dates. CRA Tax Instalment CalculatorInstalment amounts and due dates for personal, corporate and GST/HST accounts under each CRA method. CRA Letter AnalyzerPaste or upload a CRA letter to see what it means, when your reply is due and what to send.Business owners and employers
Salary vs Dividend CalculatorCompare paying yourself salary or dividends from your corporation, with tax, CPP and cash left inside. Sole Proprietorship vs Corporation CalculatorCompare tax on the same profit as a sole proprietor or a corporation, including cash kept in the company. Should I Incorporate? CalculatorEnter profit, the cash you need and extra yearly costs to see if incorporating is likely to pay off. CPP vs Investing CalculatorCompare the CPP pension your contributions earn with investing the same money, in today's dollars. Capital Gains: Personal vs Corporate CalculatorCompare tax on a capital gain realized personally or in your corporation, with the capital dividend account. Section 85 Rollover CalculatorMove property or shares into your corporation at an elected amount and see the gain, boot and tax. Payroll Deductions CalculatorNet pay per pay period after CPP, EI and income tax, with employer costs, for any province. Vehicle Lease vs Finance CalculatorCompare the after-tax cost of leasing or financing a business vehicle under the CRA deduction limits.Home buyers
Mortgage CalculatorPayment, CMHC premium, land transfer tax and cash to close for a Canadian home purchase. Mortgage Amortization CalculatorA payment-by-payment schedule of principal, interest and balance, with prepayments and a CSV download. Mortgage Affordability CalculatorThe highest price your income and down payment support under the mortgage stress test, with GDS and TDS. GST New Home Rebate CalculatorThe GST rebate on a new home in Alberta, covering first-time buyer, standard and rental property claims.Estates and insurance
Dying Without a Will in AlbertaSee who inherits under Alberta's intestacy rules, with the split for spouses, children and blended families. Estate Planning GuideAn Alberta estate guide with an estimate of tax at death, the best estate year-end and an eight-step plan. Term vs Permanent Life Insurance CalculatorCompare term and permanent life insurance costs over time, including what changes under corporate ownership.Talk to a Swift accountant
Our Calgary accountants can review your actual numbers instead of estimates.