Free calculators, built for Canadian money.
TFSA room, RRSP trade-offs, RESP grants, CPP timing, the OAS clawback — five free calculators for the accounts that matter most to Canadians. Then stretch a little: a daily money puzzle, a retirement-readiness score, a paper-trading league, and two free games. Built on the 2026 rules, no signup, no upsell before your answer.
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TFSA Contribution Room
Adds up each year's limit for your eligible years since 2009, subtracts lifetime contributions, and adds back past withdrawals — then cross-checks against CRA My Account, the official record.
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RRSP vs TFSA
The real comparison: your tax rate today versus your tax rate in retirement decides which account wins. See both numbers side by side.
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RESP Grant Estimator
The government matches 20% of your contributions up to $7,200 per child. See how much you can still capture — and what waiting costs.
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CPP Breakeven Age
Take CPP at 60, 65, or 70? Compare any two start ages and find the exact age where waiting starts paying off.
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OAS Clawback Estimator
When your 2026 net world income tops $95,323, the OAS recovery tax takes 15% of the excess, up to your full OAS. Estimate what you'd repay and what you'd keep.
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Daily Money Puzzle
Three fresh Canadian money questions every day — estimate the number, call the winner in a growth duel, answer one trivia question. Sixty seconds, with a streak to protect.
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Retirement Readiness Score
Answer eight questions and get a 0–100 score for how ready your retirement is — plus the single biggest lever that would raise it. Two minutes, no signup.
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Star Districts
The free game: a real-time strategy battle to colonize star systems, build your fleets and outmaneuver rival empires. No signup — best played on desktop.
Play it here → -
Mathlympics
A math-sports game where correct answers power your sprint, javelin, discus and shot put — one wrong answer ends the event. No signup — best played on desktop.
Play it here → -
Paper Trading League
Season 1 is open: $100,000 in virtual cash, 25 real Canadian stocks and ETFs, and a leaderboard to climb. No signup, no real money.
Join Season 1 →
Built like a planner would build it
On the real rules. Limits and thresholds come from CRA and Service Canada publications — $7,000 TFSA room for 2026, the $95,323 OAS recovery threshold for 2026 income, CPP's −0.6%/+0.7% monthly adjustments, the CESG's 20% match. Each calculator cites the source it used.
Estimates, stated honestly. Every tool shows its math and names its assumptions. Nothing here knows your Notice of Assessment, so final room numbers always come from CRA My Account — these tell you what to expect before you log in.
A new tool every week. This is the foundation. A new tool, calculator, or guide ships each week — mortgage math, pension decisions, decumulation strategies — so bookmark this and check back.
Free means free. No accounts, no paywalls, no email capture before your result. The site is funded by the Wealth Decoded audience: if a calculator helps you, the free book and a quick intro call with a real advisor are the only asks. These tools are built and maintained by Synergetics Financial Services.
TFSA contribution room estimator
You earn TFSA room every year from the year you turned 18 (if you were a Canadian resident), starting in 2009. Tell us your history and we'll add up the real limits for each eligible year, add back your past withdrawals, and subtract what you've contributed — then point you to CRA My Account for the official number.
Your details
Room starts accumulating in the year you turned 18.
If you've always lived here, leave this at 2009 — you're eligible from the start.
All money you've ever put into any TFSA, ever. Direct transfers between TFSAs don't count.
Withdrawals are added back to your room on January 1 of the following year — so only include withdrawals from 2025 and earlier.
Your room
Updates as you type| Year | That year's limit | Running total |
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How the math works
- Each calendar year you were 18 or older, a Canadian resident, and had a valid SIN added that year's limit to your room: $5,000 in 2009–2012, $5,500 in 2013–2014, $10,000 in 2015, $5,500 in 2016–2018, $6,000 in 2019–2022, $6,500 in 2023, and $7,000 in 2024, 2025, and 2026.
- You start earning room in the latest of: 2009 (when TFSAs began), the year you turned 18, or the year you became a resident of Canada.
- Your room only decreases when you contribute. Withdrawals are added back — but not until January 1 of the next year, which is how most over-contributions happen.
- There is no $2,000 over-contribution buffer like RRSPs get: excess amounts are taxed 1% per month for every month they stay in the account.
Watch out for
- This estimator can't see your actual history — for your official room, check CRA My Account or call the TFSA line. CRA's number can lag a few months behind recent transactions, so keep your own records too.
- Years you were a non-resident of Canada earn no new room, even if your TFSA sat open. Contributing while a non-resident triggers a 1% per month tax on those contributions.
- Moving a TFSA between institutions? Use a direct transfer form — withdrawing and re-depositing yourself counts as a new contribution and can blow past your limit.
Sources
- BMO — Annual TFSA contribution limits by year: bmo.com
- Wealthsimple — 2026 TFSA rules: wealthsimple.com
RRSP vs TFSA comparison
Forget the tribal war — it comes down to one question: will your tax rate in retirement be lower than your tax rate today? Put in your numbers and see each account's after-tax result at the end.
Your details
This is the check you can write today, out of your pocket. For the RRSP column, we gross it up — you effectively invest more because the tax refund gets reinvested.
The tax on your next dollar of income. Around $100k of Ontario income that's roughly 43%.
Guess your average tax rate on withdrawals. Lower-income retirement usually means a lower rate — that's where RRSPs win.
After-tax result
Updates as you typeThe RRSP column reinvests your tax refund at the same return. If you'd spend the refund instead, the TFSA wins by a mile — that's the part most debates leave out.
How the math works
- TFSA: your after-tax dollars grow untouched. Value = amount × (1 + return)years.
- RRSP: your after-tax dollars become a larger pre-tax contribution of amount ÷ (1 − today's rate), which grows, then gets taxed on withdrawal at your retirement rate.
- If both rates are equal, the two accounts tie mathematically — the RRSP's bigger contribution is exactly undone by the tax on the way out. The TFSA still wins on flexibility (no withdrawal tax, doesn't affect benefits).
- If your rate today is higher than in retirement, every dollar of RRSP contribution buys you "free" extra room — that's the whole game.
What this doesn't cover
- It ignores RRSP withholding tax mechanics (you'd use a T1213 or gross-up; the end result is the same as modelled).
- It doesn't model OAS clawback risk, pension splitting, or GIS — all of which can tilt real-world RRSP withdrawals into higher effective tax rates.
- If your employer matches RRSP contributions, take the match first. Free money beats tax optimization every time.
Sources
- Wealthsimple — TFSA vs RRSP vs FHSA: how to choose: wealthsimple.com
RESP grant estimator
The Canada Education Savings Grant matches 20% of what you put into an RESP — $500 a year on a $2,500 contribution, up to $7,200 per child. Estimate how much grant money your child can still collect before the window closes at age 17.
Your details
Grants are available until the end of the calendar year your child turns 17.
Check your RESP statements for grants paid in so far — or leave 0 if you're just starting.
$2,500 a year captures the full $500 grant. Missed years can be caught up one year at a time — $5,000 a year earns up to $1,000 in grants.
Used only to project the fund's growth. Past returns don't promise future ones.
Lower-income families get an Additional CESG on the first $500 contributed each year. Thresholds are approximate 2026 figures. You may also qualify for the $2,000 Canada Learning Bond — no contribution needed.
Your grants
Updates as you typeHow the math works
- Basic CESG: 20% of each year's contribution, up to $500 a year, on up to $2,500 contributed. Lifetime cap of $7,200 per child across all RESPs for that child.
- Catch-up: unused grant room carries forward. You can claim one missed year per year by contributing up to $5,000 — that's a $1,000 grant year. This calculator applies catch-up automatically when your annual contribution exceeds $2,500 and missed room exists.
- Additional CESG: an extra 10% or 20% on the first $500 contributed each year for qualifying families. It counts toward the same $7,200 cap.
- Growth is modelled simply: each year's contribution and grant grow at your chosen return from the end of the year they're added until age 18, ignoring fees and the lifetime $50,000 contribution ceiling (see below).
Watch out for
- The lifetime RESP contribution ceiling is $50,000 per child (separate from the $7,200 grant cap). Excess contributions are taxed 1% per month.
- Grants stop at the end of the year your child turns 17, and ages 16–17 have extra eligibility rules — if you're starting late, confirm with your RESP provider.
- Grants and growth come out as Education Assistance Payments, taxed in your child's hands at their (usually low) rate. Contributions themselves come out tax-free.
- Quebec residents may also get the QESI — an extra 10% on contributions up to $3,600 lifetime — not modelled here.
Sources
- Wealthsimple — RESP FAQs: limits, grants & withdrawal rules: wealthsimple.com
- ESDC — Registered Education Savings Plan provider user guide (CESG rules): publications.gc.ca (PDF)
CPP breakeven age calculator
Take CPP at 60 and every cheque is 36% smaller, for life. Wait until 70 and every cheque is 42% bigger, for life. Compare any two start ages and find where the lifetime totals cross.
Your details
Find your personal estimate in My Service Canada Account. The 2026 maximum at 65 is $1,507.65/month; the average new pension was $877.01/month in April 2026.
Compare any two ages 60–70. If you swap them, the calculator keeps the earlier one first.
When waiting pays off
Updates as you type| If you live to… | Start 60 | Start 70 | Winner |
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How the math works
- Early: starting before 65 reduces your pension by 0.6% for every month early — 7.2% per year, up to −36% at age 60.
- Late: each month past 65 adds 0.7% — 8.4% per year, up to +42% at age 70.
- The breakeven age is where cumulative payments cross: the earlier start collects more cheques; the later start collects larger ones. After that age, the bigger pension keeps every month ahead of the head start.
- Classic pairings: 60 vs 65 breaks even around age 74; 65 vs 70 breaks even around age 82. Figures are before tax and CPI indexing — real life is a bit kinder to delaying because the larger base gets indexed.
What this doesn't cover
- Tax and inflation are ignored. After tax, the breakeven age barely moves, but indexing means a delayed pension's lead grows over time.
- It assumes you could fund the gap years without CPP. If taking CPP early lets you retire sooner — or keeps you from draining savings — that can beat the math on paper.
- Health, life expectancy, and other income (OAS clawback!) matter more than the breakeven age. Delaying CPP can be especially valuable if it keeps your income under the OAS recovery threshold in your 60s.
Sources
- Wealthsimple — CPP payments 2026: amounts, adjustment factors: wealthsimple.com
- Wealthsimple — When to take CPP and OAS: wealthsimple.com
OAS clawback estimator
If your net income passes $95,323 in 2026, Ottawa recovers 15 cents of your OAS for every dollar above it — officially the "recovery tax". Estimate what you'd repay and what you'd keep.
Your details
Net income before adjustments — the clawback uses your individual figure, not your household's. OAS you receive counts as income, TFSA withdrawals don't.
Since July 2022, seniors 75+ get 10% more OAS. Maximums are the July–September 2026 quarterly rates; they move slightly each quarter.
Lived in Canada 40+ years after age 18? That's 100%. Fewer years of residency means a prorated pension (e.g. 25 years = 62.5%).
Your clawback
Updates as you typeHow the math works
- Subtract the threshold: income − $95,323 = excess. Multiply by 15% — that's your recovery tax for 2026 income, applied to OAS payments from July 2027 to June 2028.
- The recovery can never exceed the OAS you actually receive. With full maximum OAS, income around $155,500 (age 65–74) or $161,500 (age 75+) zeroes it out entirely at 2026 rates.
- The test is per person. A couple can each earn up to the threshold with no clawback — which is why income splitting and thoughtful RRIF planning matter.
- It's recalculated every tax year. A one-time capital gain might trigger it this year and you'll have full OAS back next year.
Watch out for
- Service Canada withholds from your monthly OAS based on last year's income, then reconciles when you file. Big income swings can mean a refund — or a bill.
- TFSA withdrawals, lottery winnings, and principal-residence sale proceeds don't raise the income that counts. RRIF withdrawals, capital gains, and CPP do.
- Deferring OAS to 70 raises your pension 36% but does not avoid the clawback — the recovered amount just scales with the bigger pension.
Sources
- Money.ca — How to reduce Canada's OAS clawback (2026 threshold $95,323): money.ca
- TruePath Finance — 2026 OAS clawback explainer: truepathfinance.ca
Daily Money Puzzle
Three fresh questions every day — the same ones for every player. Estimate the number, call the winner in a growth duel, and answer one piece of Canadian money trivia. About sixty seconds, and a streak to protect.
How it plays
- Estimate the number. Guess how a monthly investment grows over a given number of years.
- The growth duel. Two plans, the same return — pick the one that ends with more.
- Money trivia. One question about Canadian money rules and accounts.
Everyone plays the same questions each calendar day. Answer before midnight to keep your streak alive.
Today's puzzle
Wealth Decoded · Marcus Elford · Synergetics Financial Services
Come back tomorrow — a brand new puzzle, same three-question format.
How today's questions are made
- The day's puzzle is generated deterministically from the calendar date, so every player gets the same three questions, in the same order, all day long.
- Future values use the standard future-value-of-annuity formula: monthly contribution × ((1 + i)n − 1) / i, with i = annual return ÷ 12 and n = years × 12.
- Your streak is stored in this browser only. It won't follow you to another device, and clearing site data resets it.
Retirement Readiness Score
Answer eight questions, get a 0–100 score for how ready your retirement plan is — plus the single biggest lever that would raise it. Two minutes, no signup.
The assumptions behind your score
- 4% real annual return after inflation, on savings from now until you retire.
- You live to 95.
- CPP is assumed to start at your retirement age, with the standard adjustment: 0.6% less per month before 65, or 0.7% more per month after 65, capped at age 70.
- Full OAS is included — which assumes your retirement income stays under the clawback threshold.
Eight quick questions
Must be older than your current age.
Average is about $900/mo; maximum at 65 in 2026 is $1,507.65.
Your score
Answer the eight questions and click Get my score — your 0–100 result, score band, and biggest lever will appear here.
Your Retirement Readiness Score
Wealth Decoded · Marcus Elford · Synergetics Financial Services
How the score is calculated
- Your savings are projected to your retirement age at 4% real return: current savings × 1.04years, plus annual savings as an annuity.
- Your income need is 70% of gross income if you own your home, 80% if you rent.
- Expected CPP, full OAS ($743.05/mo × 12) and your pension are subtracted from that need; the remaining gap is converted to a lump sum with a 4% annuity to age 95.
- Score = 100 × min(1, projected ÷ required). 0–39: Off track — time to act · 40–59: Getting there · 60–79: On track · 80–100: Ahead of the game.
Star Districts
A real-time strategy game: colonize star systems, grow your economy, build your fleets, and outmaneuver rival empires before they take yours. Free to play, no signup — best played on desktop with a mouse.
Best played on desktop
The game opens in a new tab — your tools stay right here.
Mathlympics
A math-sports game where correct answers power your sprint, javelin, discus and shot put — one wrong answer ends the event. Free to play, no signup — best played on desktop with a mouse.
Best played on desktop
The game opens in a new tab — your tools stay right here.
Paper Trading League
Season 1 is open: $100,000 in virtual cash, a menu of real Canadian stocks and ETFs, and a leaderboard to climb. No signup, no real money — just practice with delayed market prices.
Join Season 1
- $100,000 virtual cash. Yours to deploy across 25 Canadian stocks and ETFs — banks, rails, energy, telecom, and broad-market ETFs.
- Real tickers, delayed prices. Prices come from a free market-data feed (delayed quotes). If the feed is unreachable, the game runs on clearly-labelled demo prices.
- Climb the board. Your return ranks you on the Season 1 leaderboard. Bragging rights and a free book for the winner.
Your portfolio
| Holding | Shares | Avg cost | Price | Value | Gain / loss |
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Place a trade
Season 1 leaderboard preview
| # | Player | Return |
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Preview board: fictional players for Season 1 while the full live leaderboard is being built. Your row (“You — this device”) ranks by your actual return.
Wealth Decoded · Marcus Elford · Synergetics Financial Services
How prices and the leaderboard work
- Prices are fetched from Yahoo Finance's free public quote feed (delayed quotes, roughly 15 minutes behind the market) through a public relay, because browsers can't query that feed directly. No API key, no account.
- If the feed can't be reached, the game switches to clearly-labelled demo prices — simulated numbers for practice, never presented as real market data. The label at the top of this page always tells you which you're seeing.
- Your portfolio is stored in this browser only (no signup). It won't follow you to another device, and clearing site data resets it.
- The leaderboard is a preview: fictional players plus your real rank. Full seasons with a live shared leaderboard are coming.
Not financial advice. This is a game played with virtual money — nothing here is a recommendation to buy, sell, or hold any security.