Skip to content
FinanceApp.caStick handling your finances
My dashboard
Ask Mitey
Call Our Concierge Mortgage Team: +1 587-415-7110

Canada's Financial Planning Tools

Your trusted resource for navigating Canada's financial landscape. From mortgages to investments, plan it here, keep it in your own private workspace, and know exactly where every number comes from.

Call Financial Team NowStart Financial Planning Browse Canadian Real EstateBrowse Homes on iOS
In short

FinanceApp.ca is a free planning workspace for Canadians: 14 calculators for mortgages, closing costs, savings, investing, retirement, CPP and OAS, dividends, debt and crypto, plus 22 more in the toolbox. A private dashboard keeps your net worth, cash flow, goals and saved scenarios in your own browser.

36Calculators
22Shared MITEY engines
2.50%Policy rate, 2026-11-06
0Accounts needed

Your workspace

Your money at a glance, kept on your device

Add what you own and owe, your monthly cash flow and your goals. Save any calculator run. The dashboard pulls it together and tells you the next step, without an account and without sending your numbers anywhere.

Open my dashboard

Mitey the yeti sits on a bench beside an older yeti in glasses holding a notebook, talking a money plan through.

Essential Tools for Home Buyers

Mortgage CalculatorCalculate your Canadian mortgage paymentsClosing CostsEstimate closing costs across CanadaIncome CalculatorCalculate required income for mortgagesDebt ServiceCalculate GDS and TDS ratiosTitle RegistrationLand titles and transfer tax by provinceReverse MortgageExplore home equity optionsRental PropertyAnalyze Canadian rental investments

Save, Invest and Retire

SavingsPlan your savings and investmentsReturnsCalculate investment returns after fees and taxRetirementPlan your retirement savingsCPP & OASWhen to start your public pensionsDividendsDividend income after Canadian tax

Debt and Crypto

PayoffPlan your debt repaymentCrypto ACBAdjusted cost base and capital gains

Today's Rates

2.50%Bank of Canada target for the overnight rate (policy rate)2026-11-064.70%Prime rate (chartered banks, typical)2026-11-044.12%Effective rate on new insured fixed mortgages, 5 years and over2026-08-012.45%Posted GIC rate, 1-year (major banks)2026-11-04

Bank of Canada series. All rates and their history

Not sure where to start?

What should I do next with my money?

Answer seven quick questions and get a plan in a sensible order: cash flow, emergency fund, employer match, high-interest debt, FHSA, TFSA and RRSP, then retirement. Each step opens the right tool.

Build my plan

Why FinanceApp.ca

Comprehensive tools

Everything from the first down payment to CPP start ages, with Canadian rules: semi-annual compounding, CMHC premiums, provincial land transfer tax, 2026 tax brackets.

Private by design

No sign-up. Your workspace lives in your browser's storage and leaves it only if you download a backup or choose to send a message.

Dated and sourced

Every rate and rule shows its date and links to the Bank of Canada, OSFI, CMHC, the CRA or Service Canada. See the methodology.

Go deeper across the MITEY network

MortgageAffordabilityCalculator.caHow much house can I afford?MortgageStressTestCalculator.caDo I pass the stress test?IsThisAGoodRate.caIs my mortgage quote a good one?RetirementPlanner.caWill my savings last?CanadianBanks.caWhich bank account costs least?HighDividendPayingStocks.comHow do dividends fit my plan?

Frequently asked questions

Is FinanceApp.ca free?

Yes. Every calculator and the workspace are free, with no account. Your numbers are kept in your own browser, not on our servers.

Where do the numbers come from?

Rates come from the Bank of Canada's published series, each shown with its date. Mortgage rules come from OSFI, CMHC and the provinces; CPP, OAS and tax figures from Service Canada and the CRA. The methodology page lists every source.

Who runs FinanceApp.ca?

FinanceApp.ca is part of the MITEY network of Canadian personal-finance sites. It is not a bank, lender or adviser, and it gives education rather than advice.

Can I talk to a person?

Yes: send a message through the form and the MITEY network team replies by email, or call +1 587-415-7110.

Get Expert Financial Advice

Call +1 587-415-7110

Prefer to write? Send a message below; the MITEY network team replies by email.

Start your financial journey now

Your message goes to the MITEY network team, who reply by email. Your numbers stay in your browser unless you tick the box to include them.

Sent to the MITEY network team at FinanceApp.ca. We use it only to answer you. See the privacy notice.

Prefer the phone? Call +1 587-415-7110