Calculators

Free, instant, no signup. Each calculator answers the loan-math question — then shows you the part a static tool can't: what the payment does to your real balance, week by week, in Recurna Flow.

• Can I afford this? See whether a purchase fits — your balance week by week for 12 weeks, and the lowest week that decides it. Then forecast your whole year in Flow.
• Car loan calculator Monthly payment, total interest, and a year-by-year amortization schedule. Then see what the payment does to your real forecast.
• Mortgage calculator Payment, amortization, and an early-payoff toggle that shows the interest and time you save. Then see it on your real forecast.
• Credit card payoff calculator How many months to clear the balance, the total interest, and what paying a little more each month saves you.
• Compound interest calculator See how a starting balance and regular contributions grow over time, with contributions and interest shown apart.
• Take-home pay calculator Your real net pay after federal and provincial tax, CPP, and EI — for any province, on the current tax year.
• RRSP tax refund estimator Estimate the refund an RRSP contribution gets you, accurate across tax brackets, for your province.
• Rent vs. buy calculator The honest Canadian math — land transfer tax, CMHC, and opportunity cost — and the year buying breaks even with renting. Then see what either path does to your forecast.