Tools

Free tools

Simple, free calculators to make informed decisions before you borrow.

Loan repayment calculator

Work out your monthly payment, total interest and total repaid.

Estimate the loan your budget can support.

Compare two offers, fees included, and spot the cheaper one.

Compare the total cost of a line of credit and an installment loan.

Find the lenders that match your profile.

See how much you could save by combining your debts.

Estimate the months and interest saved by paying extra each month.

Measure your debt-to-income ratio and see where it lands.

See if moving your balance to a promo rate beats the transfer fee.

See your utilization ratio and keep it under 30%.

Reveal the real cost and APR of a payday loan.

Estimate your net pay after income tax, CPP and EI.

Estimate how long it takes to reach your savings goal.