All Canada calculators
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Federal Income Tax Before Credits 2026
Estimate 2026 federal income tax on taxable income before federal non-refundable credits and provincial or territorial tax.
Federal Basic Personal Amount 2026
Calculate the 2026 federal basic personal amount from net income using the CRA phase-down formula.
Federal BPA Credit Value 2026
Estimate the federal non-refundable tax credit value generated by the 2026 basic personal amount.
Canada Employment Amount 2026
Calculate the 2026 Canada Employment Amount claim from eligible employment income.
Canada Employment Credit Value 2026
Estimate the federal tax credit value of the 2026 Canada Employment Amount.
Federal Tax After BPA & Employment Credit 2026
Estimate federal tax after only the federal basic personal amount and Canada Employment Amount credits.
Federal Tax on Additional Income 2026
Estimate the additional 2026 federal income tax caused by an extra amount of taxable income.
CPP Main Contribution 2026
Estimate the employee CPP base plus first additional contribution for 2026 outside Quebec.
CPP2 Contribution 2026
Estimate the 2026 second additional CPP contribution on earnings between the YMPE and YAMPE.
Total Employee CPP 2026
Estimate an employee’s total 2026 CPP contribution including CPP2, for employment outside Quebec.
Self-Employed CPP 2026
Estimate 2026 CPP and CPP2 contributions for a self-employed person outside Quebec.
CPP Contribution Remaining 2026
Estimate the remaining employee CPP and CPP2 contribution for 2026 after contributions already deducted.
EI Employee Premium 2026
Estimate the 2026 Employment Insurance employee premium outside Quebec.
Quebec EI Employee Premium 2026
Estimate the 2026 federal Employment Insurance employee premium for employment in Quebec.
EI Employer Premium 2026
Estimate the standard 2026 employer EI premium for one employee outside Quebec.
Quebec EI Employer Premium 2026
Estimate the standard 2026 employer EI premium for one employee in Quebec.
EI Premium Remaining 2026
Estimate the remaining 2026 employee EI premium outside Quebec after premiums already deducted.
EI Regular Weekly Benefit 2026
Estimate a 2026 EI regular weekly benefit from average insurable weekly earnings.
EI Regular Benefit Total 2026
Estimate total EI regular benefits for a selected number of payable weeks in 2026.
Employee CPP + EI Total 2026
Estimate combined employee CPP, CPP2 and EI contributions for 2026 outside Quebec.
RRSP New Room Addition 2026
Calculate the standard new RRSP room generated for 2026 from 2025 earned income before pension-adjustment effects.
RRSP Excess Contribution Amount
Estimate the portion of RRSP contributions that exceeds the deduction limit plus the usual C$2,000 excess-contribution buffer.
RRSP Excess Contribution Tax
Estimate the 1% monthly tax on an RRSP excess contribution for a selected number of months.
RRSP Withdrawal Withholding Tax
Estimate income tax withheld at source on a lump-sum RRSP withdrawal for a Canadian resident outside Quebec.
Quebec RRSP Federal Withholding
Estimate the federal portion withheld on a lump-sum RRSP withdrawal from a Quebec plan.
Home Buyers’ Plan Withdrawal Room
Estimate remaining Home Buyers’ Plan withdrawal room under the current C$60,000 individual limit.
HBP First Repayment Year
Calculate the first Home Buyers’ Plan repayment year from the year of the first withdrawal under current repayment-relief rules.
HBP Annual Repayment Amount
Estimate the minimum Home Buyers’ Plan repayment for a year from the opening HBP balance and years remaining.
HBP Repayment Shortfall
Estimate the Home Buyers’ Plan amount that may have to be included in income when the designated repayment is below the required amount.
TFSA Available Room 2026
Estimate 2026 TFSA contribution room from prior unused room, 2025 withdrawals and 2026 contributions already made.
TFSA Excess Contribution Amount
Calculate a potential TFSA excess amount from available contribution room and total current-year contributions.
TFSA Excess Contribution Tax
Estimate the 1% monthly tax on the highest TFSA excess amount for a selected number of months.
TFSA Same-Year Re-contribution Excess
Check whether replacing a TFSA withdrawal in the same calendar year creates an excess contribution when no extra room is available.
FHSA Standard Participation Room
Estimate standard FHSA participation room using the C$8,000 annual amount, limited carryforward and the C$40,000 lifetime limit.
FHSA Lifetime Limit Remaining
Calculate remaining FHSA lifetime participation capacity from the C$40,000 lifetime limit.
FHSA Excess Amount Tax
Estimate the 1% monthly tax on an FHSA excess amount for a selected number of months.
Lifelong Learning Plan Withdrawal Room
Calculate remaining annual and total LLP withdrawal room based on withdrawals already made in the current participation period.
Lifelong Learning Plan Annual Repayment
Estimate the required LLP repayment for a year from the outstanding LLP balance and repayment years remaining.
RESP Canada Education Savings Grant 2026
Estimate the 2026 Basic and Additional CESG on an RESP contribution using adjusted family net income.
Canada Learning Bond Estimate
Estimate Canada Learning Bond entitlement from the number of years a beneficiary was eligible, up to the C$2,000 lifetime maximum.
Express Entry CRS Age Points Calculator
Calculate the CRS core age points for an Express Entry profile with or without an accompanying spouse or common-law partner.
Express Entry CRS Education Points Calculator
Calculate CRS core education points from your highest recognized education level.
CRS First Official Language Points Calculator
Calculate Express Entry core points for the four abilities in your first official language.
CRS Second Official Language Points Calculator
Calculate Express Entry core points for a second official language from four CLB/NCLC levels.
CRS Canadian Work Experience Points Calculator
Calculate core CRS points for Canadian work experience.
CRS Spouse Factors Points Calculator
Estimate the spouse or common-law partner factor points for education, language and Canadian work experience.
CRS Education + Language Transferability Calculator
Calculate CRS skill-transferability points for education combined with first official language proficiency.
CRS Education + Canadian Work Transferability Calculator
Calculate CRS skill-transferability points for education combined with Canadian work experience.
CRS Foreign Work + Language Transferability Calculator
Calculate CRS skill-transferability points for foreign work experience combined with first official language proficiency.
CRS Foreign + Canadian Work Transferability Calculator
Calculate CRS skill-transferability points for foreign work experience combined with Canadian work experience.
CRS Trade Certificate + Language Points Calculator
Calculate CRS skill-transferability points for a certificate of qualification in a trade combined with language proficiency.
CRS Additional Points Calculator
Calculate additional CRS points for a provincial nomination, Canadian study, sibling in Canada and French-language combination.
Express Entry CRS Total Components Calculator
Combine your core, spouse, skill-transferability and additional CRS component totals into one score.
Federal Skilled Worker 67-Point Calculator
Estimate your Federal Skilled Worker selection-factor score out of 100 and compare it with the 67-point threshold.
Express Entry Proof of Funds Calculator
Look up the current minimum settlement funds for an Express Entry family size.
Canadian Experience Class Work Hours Progress Calculator
Track counted skilled Canadian work hours toward the Canadian Experience Class minimum of 1,560 hours.
Canadian Citizenship Physical Presence Calculator
Estimate eligible physical-presence days from permanent-resident days and pre-PR temporary/protected-person days in the five-year window.
Permanent Resident Residency Obligation Calculator
Track counted days toward the Canadian permanent resident 730-day residency obligation.
Economic Permanent Residence Family Fee Calculator
Estimate current IRCC federal application and right-of-permanent-residence fees for an economic-class principal applicant and accompanying family.
Visitor, Worker or Student Status Restoration Fee Calculator
Look up the current federal fee to restore temporary resident status, including a new work or study permit where selected.
Minimum Down Payment Calculator
Calculate the minimum down payment required under Canada’s federal home-purchase rules.
Maximum Home Price from Down Payment
Estimate the highest purchase price supported by your available down payment under federal minimum-down-payment rules.
Mortgage Amount & Loan-to-Value Calculator
Calculate the mortgage amount before default-insurance premium and the resulting loan-to-value ratio.
CMHC Mortgage Insurance Premium Calculator
Estimate the CMHC homeowner mortgage loan insurance premium from purchase price and down payment.
Insured Mortgage Total Calculator
Estimate the mortgage balance after adding an eligible CMHC insurance premium to the base mortgage.
Mortgage Stress Test Qualifying Rate
Calculate the federal mortgage stress-test qualifying rate from a contract mortgage rate.
Canadian Fixed Mortgage Monthly Payment
Calculate a monthly mortgage payment using the Canadian convention of semi-annual compounding for the quoted annual rate.
Stress-Test Monthly Mortgage Payment
Estimate the monthly principal-and-interest payment used for qualification at the federal stress-test rate.
Insured 30-Year Amortization Eligibility & Payment
Check federal eligibility for a 30-year insured amortization and compare the 25-year and 30-year payment estimates.
Accelerated Biweekly Mortgage Payment
Compare standard biweekly and accelerated biweekly payments from a Canadian monthly mortgage payment.
Mortgage Balance After Term Calculator
Estimate the remaining mortgage balance after a selected number of years at a fixed Canadian mortgage rate.
Mortgage Principal Paid During Term
Estimate how much mortgage principal is repaid during the entered period.
Mortgage Interest Paid During Term
Estimate interest paid during a selected mortgage term from scheduled monthly payments.
Total Mortgage Interest Over Amortization
Estimate total interest over the full amortization if the entered rate never changes.
Gross Debt Service (GDS) Ratio
Calculate the CMHC-style Gross Debt Service ratio using mortgage payment, property tax, heating costs and 50% of condominium fees.
Total Debt Service (TDS) Ratio
Calculate the CMHC-style Total Debt Service ratio by adding other monthly debt obligations to housing costs.
Maximum Mortgage by GDS Limit
Estimate the mortgage principal supported by CMHC’s 39% GDS limit after property tax, heat and condo-fee allowances.
Maximum Mortgage by TDS Limit
Estimate the mortgage principal supported by CMHC’s 44% TDS limit after housing costs and other debts.
Home Equity Borrowing Room (80% LTV)
Estimate remaining borrowing room against home equity using FCAC’s general 80% combined borrowing guideline.
HELOC Available Credit Room
Estimate potential HELOC room using the 65% HELOC component limit and the 80% total secured-borrowing ceiling described by FCAC.
Sales Tax by Province or Territory
Estimate current GST/HST and, where applicable, general PST/QST on a taxable purchase in Canada.
Reverse Sales Tax from Tax-Included Price
Estimate the pre-tax amount and tax portion from a tax-included purchase total using current general Canadian sales-tax rates.
GST/HST Single-Quarter Small Supplier Test
Check whether a sale causes a regular business to exceed the C$30,000 GST/HST small-supplier threshold in one calendar quarter.
GST/HST Four-Quarter Small Supplier Test
Add four consecutive calendar quarters of taxable supplies and check the regular C$30,000 small-supplier threshold.
Public Service Body GST/HST Small Supplier Test
Check the C$50,000 taxable-supplies small-supplier threshold generally applicable to public service bodies.
GST/HST Registration 29-Day Deadline
Calculate the 29-day registration deadline from the effective date on which GST/HST registration becomes required.
GST/HST Small Supplier Exception Check
Check whether a selected business type must register for GST/HST even when revenue is within the ordinary small-supplier threshold.
GST/HST Net Tax Remittance
Estimate GST/HST net tax by offsetting eligible input tax credits and adjustments against tax collected or collectible.
GST/HST Commercial-Use ITC Estimate
Estimate the input tax credit on GST/HST paid where an expense is only partly used in commercial activities.
Meals & Entertainment GST/HST ITC
Estimate the GST/HST input tax credit percentage for ordinary businesses, long-haul truck drivers, charities or public institutions.
GST/HST Annual Filer Instalment Requirement
Check whether an annual GST/HST filer generally has to make quarterly instalments and estimate the standard quarterly amount.
GST/HST Quarterly Instalment Due Date
Calculate the normal GST/HST instalment due date one month after the end of a fiscal quarter.
GST/HST Return Filing & Payment Deadline
Estimate GST/HST filing and payment deadlines from the reporting-period end and filer type.
GST/HST Assigned Reporting Frequency
Determine the standard GST/HST reporting period assigned from annual taxable supplies.
GST/HST Quick Method Eligibility
Check the C$400,000 revenue test across the first and last four of the most recent five fiscal quarters and other basic Quick Method conditions.
Quick Method 40% Reseller Test
Check whether goods purchased for resale are at least 40% of annual taxable supplies for the reseller/wholesaler Quick Method rate group.
Quick Method 1% Credit
Estimate the additional 1% Quick Method credit available on the first C$30,000 of eligible GST/HST-included revenue in a fiscal year.
Quick Method GST/HST Remittance
Estimate a Quick Method remittance using CRA remittance-rate tables for reseller/wholesaler or other eligible businesses.
GST/HST Bad Debt Tax Adjustment
Estimate the GST/HST bad-debt adjustment using CRA’s A × B ÷ C formula.
GST/HST Bad Debt Recovery Adjustment
Estimate GST/HST to add back when a payment is later recovered on a debt for which a bad-debt adjustment was claimed.
Federal General Corporate Income Tax
Estimate federal corporation income tax at the general 15% net federal rate before provincial or territorial corporate tax.
CCPC Federal Tax with Small Business Rate
Estimate federal tax on a CCPC by applying 9% to eligible active business income within the entered business limit and 15% to the remaining taxable income.
Federal Small Business Deduction Amount
Calculate the federal small business deduction as 19% of the least of active business income, taxable income and the applicable reduced business limit.
Passive Income Business Limit Reduction
Estimate the federal CCPC business-limit reduction caused by adjusted aggregate investment income above C$50,000.
Taxable Capital Business Limit Reduction
Estimate the CCPC business-limit reduction as combined taxable capital employed in Canada rises from C$10 million to C$50 million.
Effective CCPC Business Limit After Grinds
Estimate the remaining federal business limit after applying both the taxable-capital and passive-investment-income reductions.
Small Business Rate Federal Tax Savings
Estimate the federal tax difference between the 15% general rate and 9% small-business rate on qualifying CCPC income.
Associated CCPC Business Limit Remaining
Calculate how much of a shared federal business limit remains after allocations to associated CCPCs.
Personal Services Business Additional Federal Tax
Estimate the additional 5% federal tax specifically applicable to personal services business income.
T2 Corporation Filing Deadline
Calculate the normal T2 corporation income tax return filing deadline six months after the corporation’s tax year-end.
Corporation Tax Balance-Due Date
Calculate the normal corporation income-tax balance-due date at two months after year-end or three months for an eligible CCPC.
Corporate Monthly Instalment Estimate
Estimate equal monthly corporation income-tax instalments using the current-year estimated tax payable option.
Eligible CCPC Quarterly Instalment Estimate
Estimate equal quarterly corporation tax instalments for a small CCPC that qualifies to pay quarterly.
Corporate Tax Instalment Requirement Check
Check the general C$3,000 federal corporation tax instalment threshold using current-year and previous-year tax payable and first-year status.
Small CCPC Quarterly Instalment Eligibility
Check the main CRA conditions for a small CCPC to pay corporation tax instalments quarterly instead of monthly.
T2 Standard Late-Filing Penalty
Estimate the standard T2 late-filing penalty: 5% of unpaid tax plus 1% per complete month late, up to 12 months.
T2 Repeated Late-Filing Penalty
Estimate the higher T2 repeated late-filing penalty: 10% of unpaid tax plus 2% per complete month late, up to 20 months.
Large Corporation Additional Late-Filing Penalty
Estimate the additional monthly late-filing penalty for a large corporation using taxable capital and Part VI tax payable.
Non-Capital Loss Carryforward Expiry Year
Calculate the final carryforward year for a typical non-capital loss arising in a tax year ending after 2005.
Short Tax Year Adjusted Instalment Base
Annualize previous-year corporation tax payable for instalment-base purposes when the previous tax year was shorter than 12 months.
CCB Maximum Annual Benefit 2026–27
Calculate the unreduced annual Canada Child Benefit from the number of eligible children under 6 and aged 6 to 17.
CCB Income Reduction 2026–27
Estimate the Canada Child Benefit reduction from 2025 adjusted family net income and the number of eligible children.
CCB Annual Estimate 2026–27
Estimate annual Canada Child Benefit using child ages and 2025 adjusted family net income.
CCB Monthly Estimate 2026–27
Estimate average monthly Canada Child Benefit for the July 2026 to June 2027 payment period.
CCB Shared-Custody Estimate 2026–27
Estimate one parent’s 50% CCB share under CRA shared-custody treatment using that parent’s own AFNI.
Child Disability Benefit Annual Estimate 2026–27
Estimate annual Child Disability Benefit for DTC-eligible children using current AFNI reduction rules.
Child Disability Benefit Monthly Estimate 2026–27
Estimate average monthly Child Disability Benefit for DTC-eligible children.
CCB + Child Disability Combined Monthly Estimate
Estimate combined monthly CCB and Child Disability Benefit where one or more children are DTC-eligible.
Canada Groceries & Essentials Maximum Annual Benefit
Calculate the maximum regular Canada Groceries and Essentials Benefit for marital status and eligible children.
CGEB Single No-Child Phase-In
Estimate the additional amount for a single individual without children as income rises above the C$11,564 phase-in threshold.
Canada Groceries & Essentials Annual Estimate 2026–27
Estimate regular annual CGEB using marital status, eligible children and 2025 adjusted family net income.
Canada Groceries & Essentials Quarterly Estimate
Estimate one of the four regular quarterly CGEB payments for July 2026 to June 2027.
CGEB Maximum Income Threshold 2026–27
Look up the 2025-base-year adjusted family net income threshold below which some CGEB may remain payable.
Canada Workers Benefit Basic Estimate — Standard Provinces
Estimate the 2025 basic Canada Workers Benefit using the standard federal formula for provinces and territories other than Alberta, Quebec and Nunavut.
CWB Disability Supplement Phase-Out Estimate
Estimate the remaining maximum CWB disability supplement after the standard 2025 income phase-out for one DTC-eligible claimant.
Advanced Canada Workers Benefit Total Advance
Calculate the total advance amount equal to 50% of an entered final CWB entitlement.
Advanced Canada Workers Benefit Per-Payment Estimate
Estimate each of three ACWB instalments from an entered CWB entitlement.
Canada Disability Benefit Maximum Annual Amount 2026–27
Calculate the maximum annual Canada Disability Benefit from the current indexed monthly maximum.
Canada Disability Benefit Working-Income Exemption Remaining
Calculate remaining 2026–27 working-income exemption for a single person or couple.
Canada Disability Benefit DTC Certificate Supplement
Estimate the Fall 2026 one-time supplemental payment for qualifying approved DTC certificates.
CPP Start-Age Adjustment
Calculate the CPP percentage reduction or increase for starting retirement pension between ages 60 and 70.
CPP Adjusted Monthly Pension by Start Age
Apply the official CPP age adjustment to an age-65 monthly pension estimate.
CPP Annual Retirement Income
Convert an entered monthly CPP retirement pension into annual income.
CPP Delay Monthly Gain vs Age 65
Estimate the monthly dollar increase from delaying CPP after age 65.
CPP Early-Start Monthly Reduction
Estimate the monthly dollar reduction from starting CPP before age 65.
CPP Post-Retirement Benefit Estimate 2026
Estimate a new 2026 Post-Retirement Benefit using earnings as a share of the CPP earnings limit.
CPP Disability Payment Estimate 2026
Estimate CPP disability benefit by adding the 2026 flat amount to an entered earnings-related amount, subject to the published maximum.
CPP Survivor Pension Maximum 2026
Look up the 2026 maximum new CPP survivor pension by age group.
CPP Child Benefits Total 2026
Calculate monthly CPP child benefits using the 2026 flat amounts for eligible children and students.
CPP Death Benefit Maximum 2026
Calculate the CPP death benefit maximum depending on whether the additional C$2,500 top-up conditions are met.
OAS Maximum Monthly Payment — Jul–Sep 2026
Look up the maximum Old Age Security monthly pension for ages 65–74 or 75+ for July to September 2026.
OAS Partial Pension Estimate
Estimate partial OAS using years of Canadian residence after age 18 divided by 40.
OAS Deferral Increase Percentage
Calculate OAS deferral increase for delaying start after age 65, up to age 70.
OAS Deferred Monthly Payment Estimate
Apply the OAS deferral percentage to an entered base monthly OAS amount.
OAS Residence Eligibility Check
Check the basic residence-duration requirement for a partial OAS pension when living in Canada or abroad.
OAS Recovery Tax Estimate — 2026 Income
Estimate OAS recovery tax at 15% of 2026 net world income above the published C$95,323 threshold.
GIS Maximum by Marital Status — Jul–Sep 2026
Look up the maximum monthly Guaranteed Income Supplement and income cut-off for the current marital-status category.
GIS Income Threshold Check — Jul–Sep 2026
Check entered annual income against the current GIS income cut-off for the selected family situation.
GIS Employment Income Exemption
Estimate how much employment or self-employment income is exempt from GIS income testing under the current exemption structure.
OAS Allowance / Survivor Maximum Check — Jul–Sep 2026
Check age and income against current Allowance or Allowance for the Survivor thresholds and show the maximum monthly amount.
EI Maternity Benefit Total 2026
Estimate total EI maternity benefits for up to 15 weeks using the 2026 55% rate and C$729 weekly maximum.
EI Standard Parental Benefit Total 2026
Estimate standard parental EI benefits for one parent for up to 35 weeks at the 2026 55% rate and C$729 weekly maximum.
EI Extended Parental Benefit Total 2026
Estimate extended parental EI benefits for one parent for up to 61 weeks at the 2026 33% rate and C$437 weekly maximum.
EI Standard Parental Shared Weeks Remaining
Calculate how many standard parental EI weeks remain in the 40-week shared pool after one parent has claimed benefits.
EI Extended Parental Shared Weeks Remaining
Calculate how many extended parental EI weeks remain in the 69-week shared pool after one parent has claimed benefits.
EI Maternity + Standard Parental Total 2026
Estimate combined EI maternity and standard parental payments for a birthing parent using 2026 benefit rates.
EI Maternity + Extended Parental Total 2026
Estimate combined EI maternity and extended parental payments for a birthing parent using 2026 rates.
EI Sickness Benefit Total 2026
Estimate total EI sickness benefits for up to 26 weeks using the 2026 rate and weekly maximum.
EI Family Caregiver Child Weeks Remaining
Calculate remaining family caregiver benefit weeks for a critically ill or injured child after weeks already used by eligible caregivers.
EI Family Caregiver Adult Weeks Remaining
Calculate remaining family caregiver benefit weeks for a critically ill or injured adult after weeks already used.
EI Compassionate Care Weeks Remaining
Calculate remaining compassionate care EI weeks after benefits already used by eligible caregivers.
EI Working While on Claim Benefit Adjustment
Estimate EI payable after employment earnings using the 50-cents-per-dollar rule up to the 90% earnings threshold.
EI Working While on Claim Combined Weekly Income
Estimate total weekly cash income from employment earnings plus EI remaining after the Working While on Claim deduction.
EI Special Benefits 600-Hour Shortfall
Calculate how many insured hours remain to reach the general 600-hour requirement for EI maternity, parental, sickness and caregiving special benefits.
EI Self-Employed Earnings Threshold Shortfall 2026
Calculate the shortfall to the 2026 EI special-benefits self-employed earnings threshold based on 2025 net self-employment earnings.
EI Self-Employed Weekly Special Benefit Estimate 2026
Estimate a self-employed EI special-benefit weekly amount from annual self-employment earnings, using the 2026 55% rate and cap.
EI Maternity Earliest Start Date
Calculate the earliest date EI maternity benefits can generally start from an expected due date.
EI Maternity Latest Benefit End Date
Calculate the general latest maternity-benefit end date using the later of the due date or actual birth date plus 17 weeks.
EI Standard Parental Benefit Deadline
Calculate the general 52-week deadline for standard parental EI benefits after birth or placement for adoption.
EI Extended Parental Benefit Deadline
Calculate the general 78-week deadline for extended parental EI benefits after birth or placement for adoption.
Federal Applicable Minimum Wage 2026
Determine the minimum hourly wage floor for a federally regulated employee using the higher of the C$18.15 federal rate and an entered provincial or territorial rate.
Federal Minimum Wage Hourly Shortfall 2026
Calculate an hourly wage shortfall against the applicable federal-sector minimum wage floor.
Federal Weekly Minimum Pay Floor 2026
Estimate minimum straight-time weekly pay for a federally regulated employee from hours worked and the applicable minimum wage.
Federal Salary Hourly-Equivalent Wage Check
Convert salary or flat pay for a period to an hourly equivalent and compare it with the applicable minimum-wage floor.
Federal Reporting-to-Work Minimum Pay
Estimate the minimum wages for reporting to work at an employer’s call under federal labour standards.
Federal Room & Board Maximum Wage Deduction
Estimate the maximum federal minimum-wage deduction for accepted meals and living quarters.
Federal Weekly Overtime Hours
Calculate overtime hours above the standard 40-hour federal work week for a basic federally regulated schedule.
Federal Overtime Pay
Calculate overtime pay at 1.5 times the regular hourly wage for entered overtime hours.
Federal Overtime Time Off in Lieu
Calculate paid time off in lieu at 1.5 hours for each overtime hour under a written federal arrangement.
Federal Holiday-Week Standard Hours
Calculate the reduced standard weekly hours when one or more general holidays occur in a week.
Federal General Holiday Pay
Calculate general holiday pay for most federally regulated employees as 1/20 of eligible wages from the preceding 4-week period.
Federal Commission Employee Holiday Pay
Calculate general holiday pay for a commission employee with at least 12 weeks of continuous employment using the 1/60 rule.
Federal General Holiday Work Total Pay
Estimate total holiday-day entitlement from regular general holiday pay plus 1.5-times pay for hours actually worked on the holiday.
Federal Longshoring General Holiday Pay
Estimate general holiday pay for covered multi-employer longshoring work using basic rate × 1/20 × non-overtime hours in the prior 4 weeks.
Federal Longshoring 3.5% Supplemental Pay
Calculate the 3.5% supplemental amount described for certain longshoring work performed for a non-association employer.
Federal Annual Vacation Weeks Entitlement
Determine the minimum federal annual vacation entitlement from completed consecutive years of employment.
Federal Annual Vacation Pay Amount
Estimate federal minimum vacation pay as 4%, 6% or 8% of eligible wages based on completed service.
Federal Termination Notice Weeks
Calculate the minimum individual termination-notice period under the Canada Labour Code from continuous service.
Federal Pay in Lieu of Notice
Estimate wages in lieu of individual termination notice from continuous service and regular weekly wages.
Federal Severance Pay
Estimate Canada Labour Code severance pay for an employee with at least 12 months of continuous service.
Full-Time Canada Student Grant 2026–27
Estimate the maximum federal full-time Canada Student Grant from months of study during the 2026–27 school year.
Part-Time Canada Student Grant 2026–27
Estimate the need-limited federal part-time student grant for 2026–27, capped at the annual maximum.
Canada Student Disability Grant 2026–27
Show the annual federal Canada Student Grant for a qualifying student with a recognized disability in 2026–27.
Disability Services & Equipment Grant Cap
Estimate the federal reimbursement cap for eligible education-related disability services and equipment.
Full-Time Student Dependants Grant 2026–27
Estimate the maximum additional federal grant for eligible full-time students with dependants.
Part-Time Student Dependants Grant 2026–27
Estimate the need-limited federal grant for eligible part-time students with dependants in 2026–27.
Canada Student Loan Weekly Maximum 2026–27
Estimate the federal Canada Student Loan ceiling from eligible weeks of study using the 2026–27 weekly maximum.
Full-Time Federal Grant + Loan Maximum 2026–27
Combine the federal full-time student grant ceiling with the weekly Canada Student Loan ceiling for an entered study period.
Standard Student Aid Weeks Remaining
Calculate remaining federal student-aid eligibility weeks against the standard 340-week lifetime limit.
Doctoral Student Aid Weeks Remaining
Calculate remaining federal student-aid eligibility weeks against the 400-week doctoral-study limit.
Disability Student Aid Weeks Remaining
Calculate remaining federal student-aid eligibility weeks against the 520-week disability limit.
Canada Student Loan Repayment Start Date
Estimate the date six months after leaving school when federal student-loan repayment generally begins.
RAP Zero-Payment Income Threshold
Look up the current monthly gross family-income threshold below which a federal RAP borrower may qualify for a zero payment.
RAP Zero-Payment Income Headroom
Calculate how much monthly family income remains before reaching the federal RAP zero-payment threshold.
RAP Six-Month Reapplication Date
Estimate the next Repayment Assistance Plan reapplication date six months after an approval period begins.
Full-Time Grant Maximum-Income Threshold 2026–27
Look up the 2026–27 family-income threshold at or below which the maximum full-time Canada Student Grant may be available.
Full-Time Grant Income Cut-Off 2026–27
Look up the 2026–27 family-income cut-off at or above which the full-time Canada Student Grant is not available.
Full-Time Grant Cut-Off Income Headroom
Calculate how far entered family income is below or above the 2026–27 full-time grant cut-off for the selected family size.
Federal Student Grant Jurisdiction Check
Check whether the standard federal Canada Student Grant pages apply directly to the selected province or territory.
Private For-Profit International School Aid Transition Check
Check the federal transition rule for students at private, for-profit international schools for study periods starting on or after August 1, 2026.
Bankruptcy Superintendent Standard 2026
Look up the 2026 monthly Superintendent’s Standard used in Canadian bankruptcy surplus-income calculations by family-unit size.
Bankruptcy Monthly Surplus Income 2026
Calculate family-unit monthly surplus income above the applicable 2026 Superintendent’s Standard.
Required Bankruptcy Surplus Payment 2026
Estimate the monthly payment to the bankruptcy estate under the 2026 surplus-income directive.
Bankruptcy Surplus Payment Trigger Income 2026
Calculate the family-unit available monthly income at which the C$200 surplus-income payment trigger is reached in 2026.
Bankruptcy Surplus Trigger Headroom 2026
Calculate how much additional monthly available family income remains before reaching the 2026 surplus-payment trigger.
First Bankruptcy Automatic Discharge Duration
Estimate the automatic-discharge timeline for a first Canadian bankruptcy based on whether surplus-income payments are required.
Second Bankruptcy Automatic Discharge Duration
Estimate the automatic-discharge timeline for a second Canadian bankruptcy based on surplus income.
First Bankruptcy Estimated Surplus Payments
Estimate total required surplus-income payments over a first-bankruptcy 21-month period when the payment trigger is met.
Second Bankruptcy Estimated Surplus Payments
Estimate total required surplus-income payments over a second-bankruptcy 36-month period when the payment trigger is met.
Consumer Proposal Debt Limit Check
Check whether entered relevant debts fall within the C$250,000 consumer-proposal limit for an individual.
Consumer Proposal Maximum End Date
Calculate the latest date for a consumer proposal using the five-year maximum term from the filing date.
Consumer Proposal Monthly Payment Planner
Calculate an even monthly payment for an entered consumer-proposal offer and term up to 60 months.
Consumer Proposal Repayment Percentage
Calculate the percentage of eligible unsecured debt represented by an entered consumer-proposal offer.
Consumer Proposal Debt Reduction Estimate
Calculate the difference between entered eligible unsecured debt and the total amount offered in a consumer proposal.
Consumer Proposal Missed-Payment Buffer
Calculate how many monthly proposal payments remain before the three-missed-payment deemed-annulment threshold is reached.
Consumer Proposal Term Remaining
Calculate remaining months in a consumer proposal against the 60-month maximum term.
Canadian Insolvency Record Search Fee
Estimate the minimum online fee for multiple Canadian bankruptcy and insolvency record searches.
Bankruptcy Student Loan Seven-Year Rule Clock
Calculate time remaining to reach the general seven-year period after ceasing studies for bankruptcy discharge of government student-loan debt.
Bankruptcy Irregular Income Monthly Average
Average irregular income over the entered number of bankruptcy months for surplus-income planning.
Bankruptcy Lump-Sum Shortfall Illustration
Illustrate how a pre-bankruptcy-income lump sum can first cover a monthly shortfall below the Superintendent’s Standard before an excess is identified.