⚡ Official 2026 Rates

BC Tax & Finance
Calculators — Free

Take-home pay, mortgage, CPP, GST/PST, Property Transfer Tax — 18 free tools calibrated to BC and CRA 2026 rules. Private, instant, no sign-up.

⚡ Explore Calculators 📚 Read the Blog
18
Calculators
100%
Private & Free
2026
Up-to-date
CRA+BC
Official Data
🔒
100% Private
No data sent to our servers
📊
Official 2026 Rates
CRA, BC & CMHC data
⚡
Instant Calculation
Local JavaScript, no loading
🎉
Always Free
No registration required
Free tools

Choose Your Calculator

Every tool is calibrated to BC provincial and CRA federal rules with official 2026 parameters.

💰 Income & Tax
💵
Income
BC Take-Home Pay
Gross to net with federal + BC tax, CPP and EI. Employee & self-employed modes.
EmployeeSelf-EmployedTax reduction credit
Calculate my pay →
🏷
Taxes
GST + PST Calculator
Add or remove BC sales tax (GST 5% + PST 7% = 12%) instantly. Compare rates across all provinces. Essential for freelancers and businesses.
GST 5% + PST 7%Add / Remove tax2026 rates
Calculate GST + PST →
📋
Business
Tax Instalments
Estimate your quarterly CRA instalment payments to avoid penalties. Quarterly amounts and CRA due dates from your estimated tax.
Self-Employed$3,000 ruleQuarterly calendar
Estimate instalments →
⚖
Business
Dividends vs Salary
Compare net income as salary vs eligible/non-eligible dividends for BC incorporated business owners.
Tax integrationNet in pocketCPP optional
Compare options →
🚗
Transport
Mileage Reimbursement
CRA 2026 rates (73¢/km). Tax-free reimbursement for business driving: first 5,000 km and every kilometre after, with the northern bonus.
CRA 73¢/kmFirst 5,000 kmNorthern bonus
Calculate mileage →
🏖 Retirement
📊
Retirement
CPP Calculator
Estimate your Canada Pension Plan benefit based on start age (60–70) and career earnings. Includes CPP2.
CPP & CPP2Early / Late start2026 max
Estimate my CPP →
👴
Retirement
OAS / GIS Calculator
Estimate your Old Age Security and Guaranteed Income Supplement, and calculate the OAS clawback threshold.
Age 75 boostClawbackGIS
Estimate my OAS →
🏖
Retirement
Retirement Planner
CPP + OAS + RRSP income projection with RRIF-minimum withdrawals and a replacement-rate estimate for BC residents.
CPP + OAS 2026RRIF minimumReplacement rate
Plan my retirement →
📈
Savings
RRSP / TFSA / FHSA
Compare the tax impact of RRSP vs TFSA vs FHSA, project your savings with compound returns and available room.
Tax impactCompound returnsAvailable room
Optimize my savings →
💰
Retirement
RRIF Withdrawal
Calculate the mandatory minimum RRIF withdrawal percentage and amount for 2026 by age, including spouse option.
CRA 2026 ratesRRSP conversionSpouse age
Calculate withdrawal →
🏠 Real Estate
🏠
Real Estate
Mortgage Calculator
Monthly payments with Canadian semi-annual compounding, automatic CMHC insurance premium and GDS/TDS ratios.
CMHC auto1–30 yearsGDS/TDS ratios
Calculate my mortgage →
📐
Real Estate
Mortgage Affordability
Maximum purchase price based on GDS (39%) and TDS (44%) ratios, including the OSFI B-20 stress test.
GDS/TDS ratiosStress testMax price
Calculate affordability →
🔑
Real Estate
Property Transfer Tax
BC property transfer tax with first-time buyer and newly built home exemptions, luxury surcharge and foreign buyer tax. 2026 rates.
BC 2026First-time buyerNew builds
Estimate my PTT →
💳
Credit
Loan Calculator
Monthly payments for personal, auto or consolidation loans. Full amortization schedule included.
Personal loanAuto loanAmortization
Simulate my loan →
👪 Family
👶
Family
EI Maternity & Parental
EI maternity (15 wks) and parental benefit estimates for BC residents. Standard and extended parental options.
Standard / ExtendedSharing bonus2026 limits
Estimate my EI →
🍁
Family
Canada Child Benefit (CCB)
Estimate your federal CCB and BC Family Benefit monthly payment from family income and children's ages. 2026-27 amounts.
CCB + BCFB2026 limitsMonthly amounts
Estimate my CCB →
👪
Family
BC Family Benefit
Estimate your BC Family Benefit (July 2026 to June 2027) from family income and number of children.
Net incomeSingle-parent2026 rates
Estimate my benefit →
🧸
Family
Child Care Calculator
Real cost of ChildCareBC $10-a-day centres vs private child care after the federal child care expense deduction.
ChildCareBCFederal deductionNet cost
Compare child care →
Blog

Guides & Articles

In-depth articles to help BC residents understand tax rules and make better financial decisions.

📋
Taxation
BC income tax brackets, CPP contributions and RRSP vs TFSA vs FHSA.
3 guides
Read articles →
🏠
Real Estate
Property transfer tax, the mortgage stress test and buying vs renting in BC.
3 guides
Read articles →
👪
Family
CCB, BC Family Benefit, child care costs and EI maternity and parental leave.
3 guides
Read articles →
🏖
Retirement
OAS and the recovery tax, RRIF withdrawals and retirement income planning.
3 guides
Read articles →