Financial and Practical Tools for Quebec and Canada
Free, up-to-date calculators for Quebec and Canada: mortgage, pay, taxes, cars and more. No account needed, and every calculation runs in your browser.
payments
Financial tools
Planning a big purchase or a meeting with your bank? These calculators give you a reliable ballpark figure and a detailed year-by-year schedule.
- Mortgage calculatorPayment by frequency (monthly, bi-weekly, weekly or accelerated), Canadian semi-annual compounding, property taxes and a full amortization schedule.
- Mortgage affordability calculatorMaximum price based on GDS and TDS ratios, the stress test (rate + 2% or 5.25%), taxes, heating, condo fees and your debts.
- Quebec net pay calculator2026 take-home pay per pay and per year: federal and Quebec income tax, QPP, QPIP and EI at the Quebec rate.
- Quebec welcome tax calculator2026 property transfer duties using provincial brackets, Montreal brackets or your municipality’s rate.
- GST and QST calculatorAdd GST and QST to a price or find the pre-tax amount from a total, rounded to the cent.
- RRSP vs TFSA comparisonTax refund, tax on withdrawal and net amount using 2026 combined federal-Quebec rates.
- FHSA calculatorBalance for your down payment and tax savings with the 2026 limits ($8,000 a year, $40,000 lifetime).
- Retirement calculatorCapital needed for your target income, accounting for inflation, returns and guaranteed income such as pensions, annuities or rental income.
- Auto loan calculatorPayment, total interest and true cost of car financing, with GST and QST on the net amount after trade-in and 2026 Roulez vert rebates.
- Compound interest calculatorGrowth of an investment with regular contributions, compounding frequency and a chart of how much comes from interest.
- Savings goal calculatorHow much to set aside each month to reach a goal by a given date: down payment, trip or emergency fund.
- Debt payoff calculatorAvalanche vs snowball methods compared: debt-free date and interest saved on credit cards and loans.
- Gas vs electric car calculatorTotal cost of ownership, gas or electric, with a Quebec 2026 preset: average gas price, Hydro-Québec rate D and Roulez vert.
build
Practical tools
Simple tools that solve a small problem in seconds, at home, at work or while coding.
- Unit converterTemperature, length, weight, volume and more, between metric and the imperial units still common in Canada.
- Password generatorStrong random passwords generated locally with your browser’s cryptography, with a strength indicator.
- QR code generatorQR codes for a link or any text, downloadable as an image for a poster, card or menu.
- GUID / UUID generatorVersion 4 UUIDs, ready to copy in one click.
- Text encoderBase64, URL and HTML entity encoding and decoding.
- Number base converterConvert between binary, octal, decimal and hexadecimal.
- Unix timestamp converterUnix timestamps (seconds or milliseconds) to readable dates and back, with time zones.
flight
Travel
Plan a stay in Europe without going over the 90-day limit.
Why use SD6 Tools?
- Built for Quebec and Canada
- Amounts are in Canadian dollars, rates and limits are the 2026 Quebec and federal figures, and the mortgage calculator applies the semi-annual compounding used for Canadian fixed-rate mortgages instead of the US monthly method.
- Your numbers stay with you
- The values you enter are processed in your browser and are not sent to our servers. Your scenarios can be saved in your browser for your next visit.
- Compare before you decide
- Most calculators let you create several scenarios (rate, term, amount) and compare them in a table or chart.
- Free and bilingual
- Every tool is free, available in English and French, and built in Quebec, Canada.
Getting the most out of a financial calculator
- Start from real numbers: the rate your lender offers, your exact balance, your current contributions.
- Create at least two scenarios, such as a higher rate or a shorter term, to see the effect of each variable.
- Look at the total cost, not just the payment: a few tenths of a percentage point often add up to thousands of dollars over the term.
- Use the result to prepare questions for a professional, not to replace one.
Practical guides
- Invoicing software for Quebec freelancers (GST/QST): 2026 comparison
- Home EV charger in Quebec: cost, installation and the $600 rebate (2026)
- Moving in Quebec: the complete checklist (lease, address change, welcome tax)
- Heat pump in Quebec in 2026: LogisVert rebate, conditions and a sample calculation
- RRSP vs TFSA in 2026: which one to choose in Quebec?
- Montreal welcome tax 2026: worked examples
- FHSA vs HBP in 2026: which one to choose?
- RRSP deadline 2027 and how to calculate your refund
Results are estimates provided for information only; they are not financial advice. Read the financial disclaimer