Last updated: Tool assumptions reviewed for 2026 where numbers change yearly. Assumptions & sources
Tools & Resources

The numbers you need. Built for Canada.

Free calculators and planning tools for the money decisions Canadian Christian men actually face. No signup walls. No American advice with a maple leaf slapped on it.

Start here

Use the calculator first. Read the article after.

These tools exist to help you get to a cleaner number, a clearer tradeoff, or a more honest next step. The articles beneath each tool are there for the questions that need more than math.

19 free tools built for Canada
2026 assumptions reviewed where numbers change yearly
0 signup walls on the calculators
2026 assumptions & sources → Affiliate disclosure →

Most-used tools

The tools men reach for when they need to make a call, not just read another opinion.

Tax

2026 Canadian Tax Calculator

Federal and provincial tax, RRSP, FHSA, donations, dividends, capital gains, self-employment, and marginal-rate planning in one place.

Run the numbers →
Giving

Tithe Calculator

Gross or net, province by province, with donation-credit context so you can see both the conviction and the real cost clearly.

See your number →
Housing

Rent vs Buy Calculator

Stress test, CMHC, land transfer tax, opportunity cost, and the long view most housing conversations skip.

Compare the paths →
Debt

Debt Payoff Calculator

Avalanche or snowball, side by side. See your payoff date, total interest saved, and the monthly extra payment that changes everything.

Find your date →
Net Worth

Net Worth Calculator

Assets minus liabilities, with RRSP pre-tax and TFSA tax-free noted. Your full financial picture in five minutes.

Take stock →
Quick start

Stewardship Quiz

If you do not know where to begin, begin here. Five questions, two minutes, one next step that is actually yours.

Start here →

Browse by decision

Pick the question you are trying to answer. The right tool matters more than reading five vague articles in a row.

Giving

Stewardship, tithe, and generosity

For the questions around what to give, what it costs, and what faithful generosity looks like when the budget is tight.

Stewardship Quiz Not sure where to start? Five questions, one concrete next step. Tithe Calculator Gross or net, with provincial tax context and federal donation credits. Charitable Giving Calculator See the after-tax cost of your giving and the charitable donation credit. Tithe Affordability Calculator Find the housing price that still leaves room to tithe and save.

Income

Tax, cash flow, and seeing the real number

For when the headline salary is not the number you actually get to live on, save, give from, or plan with.

2026 Canadian Tax Calculator Federal, provincial, RRSP, FHSA, dividends, self-employment, and marginal-rate planning. Net Worth Calculator Assets minus liabilities: your full financial picture in five minutes. Financial Health Scorecard Score your six pillars of financial health. Diagnosis first, prescription after. Habit Cost Calculator What small spending habits cost per year, per decade, and in missed investment growth. 2026 Assumptions & Sources The tax rates, limits, and data behind every calculator on this site.

Pressure

Debt, protection, and getting breathing room back

For the seasons where the problem is not theory. It is debt, thin margin, no emergency fund, or not enough protection.

Debt Payoff Calculator Avalanche vs snowball, monthly interest savings, and your actual payoff date. Emergency Fund Calculator How much you actually need, and how long it will take to save it at your current rate. Life Insurance Calculator Coverage estimate for replacing your income if you were no longer here. Debt Freedom Workbook Free PDF. The worksheet Dan uses in pastoral counselling with men working through debt.

Planning

Homebuying, saving, and long-view investing

For first-home decisions, account-order questions, and the slow, boring math that usually wins over time.

Rent vs Buy Calculator Opportunity cost, CMHC, land transfer tax, and the full 25-year comparison. Home Affordability Calculator What you can actually afford after income tax, tithe, savings, and existing debt. First Home Savings Plan Map your path to a down payment using FHSA and the RRSP Home Buyers' Plan. FHSA Planner Maximize your First Home Savings Account contributions and see your timeline. RRSP vs TFSA Tool Account-order guidance based on your income bracket and province. TFSA Room Calculator Find your exact contribution room from 2009 to today, including missed years. Compound Interest Calculator Watch modest, consistent savings compound into something significant over time. RESP Calculator CESG government grants and projected growth for your child's education savings. Mortgage Renewal Calculator How your monthly payment changes when your mortgage term resets at renewal.

Reviews & explainers

All articles →

Walkthroughs, explainers, and product reviews that sit underneath the tools when you need context, not just a result.

One article a week. Written for Canadian Christian men.

RRSP vs TFSA, tithing when money is tight, debt payoff strategies, housing decisions, and the conversations about money that most churches never have. No spam. Unsubscribe any time.

Free. Written by Dan Taylor at Wise and Faithful. Unsubscribe anytime.