Finance Simulator
Free Canadian take-home pay, TFSA, RRSP & retirement planner
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2,131 AI reads in the last 30 days, ranked against every Fintech tool listed.About Finance Simulator
Finance Simulator is a free Canadian personal finance planner. It takes you from your paycheque to retirement in five steps: Income, Budget, Invest, Retire and Summary. It covers all 13 provinces and territories, 2026 tax year, and there is no account and no paywall. What it does - Take-home pay after federal and provincial tax, CPP/QPP and EI, using real brackets instead of an average rate. Quebec paycheques are modelled exactly (QPP, QPIP, reduced EI, federal abatement). - A budget that shows where the take-home goes and what is left to save. - TFSA, RRSP and FHSA growth with 2026 contribution limits, including the RRSP tax refund. - Retirement projections that include CPP and OAS, plus a Coast FIRE number: what you need invested today to stop contributing and still retire on time. - Debt payoff, rent vs buy, and a one-page summary of your whole plan. Why it is different - Every tax and benefit constant (41 of them) is listed on a public methodology page with its official source and a confidence rating. The page is generated from the calculator's own code, so the two cannot disagree. - Privacy, plainly: the numbers you type (salary, savings, balances) are never uploaded. The math runs in your browser and your plan stays on your device. The site does use basic analytics to count visits. - Available in English and French. - Designed and built solo by Chris Coffin in Montreal. Limits: Canada only. These are planning estimates, not financial, tax or legal advice.
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Watch a video demo of Finance Simulator.
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Product Updates (4)
Finance Simulator now opens its RRSP refund calculator on a worked example
Finance Simulator is a free Canadian take-home pay and retirement planner. It needs no account and no signup. Its RRSP refund calculator (the RRSP is Canada's tax-deferred retirement account) now opens on a labelled example, so you see an answer before entering anything. It also shows where your refund rate changes as you contribute more, and there's a new Ontario savings-by-salary table, matched against TaxTips' calculator. There's also a new Privacy sheet that shows what's stored in your browser, with one-tap download and delete. Your financial inputs stay in your browser. https://finance.chriscoffin.design/rrsp-refund-calculator/
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In the Alberta Teachers' Association and LEARN Quebec guides, and Financial Literacy Month 2026
Three independent organizations now list Finance Simulator, a free Canadian take-home pay and retirement planner with no account and no signup. - The Alberta Teachers' Association library includes it in its Financial Literacy guide for students. - LEARN Quebec, the English-language education network for Quebec schools, includes it in its curated Financial Education resources for secondary teachers, where it covers QPP, QPIP and Quebec's reduced EI rate. - It's a participating organization in Financial Literacy Month 2026, listed on the Government of Canada's website (a listing, not an endorsement by FCAC). Why that matters: every tax figure has a source on a public methodology page, nothing you type leaves your browser, and the educator version has no tips or referral links. New for Financial Literacy Month: Talk Money cards, nine free printable questions to ask about a paycheque, tried on a made-up person so nobody has to share their own pay. Free, independent, built solo: finance.chriscoffin.design
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30s Product Demo Video: From salary to retirement in 5 steps 🇨🇦
Added a quick 30-second walkthrough showing how Finance Simulator takes you through a complete financial roadmap in 5 steps: 1) Income: Calculate exact after-tax take-home pay based on your province (factoring in federal tax, provincial tax, CPP, and EI). 2) Budget: Categorize monthly essentials, wants, and savings with fast inputs like pasting directly from a spreadsheet. 3) Invest: Model account-level growth across registered and non-registered accounts (TFSA, RRSP, FHSA, and Non-Reg). 4) Retire: Set your target retirement age and test custom withdrawal strategies. 5) Summary: Get a clean, visual projection of your long-term net worth trajectory.
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Week 1: a Quebec tax fix, exact RRSP refunds, side-by-side plans, less tracking
A week in, and most of what changed came from checking my own numbers. I found a Quebec bug: the 6% workers' deduction (up to $1,450) was missing, so take-home read about $276 a year low at $85,000. Fixed. RRSP refunds are now exact. Instead of multiplying your contribution by one tax rate, it runs your full federal and provincial return with and without it, so crossing a bracket gets the right answer. You can also compare saved plans side by side, and I removed the Reddit ad pixel. Google Analytics is the only tracking left, and your numbers still never leave your browser. If a number looks off for your province, tell me the province and what you expected. That's how bugs like the Quebec one get caught.
Comments (1)
A Canadian take-home planner that also covers TFSA, RRSP, and retirement is more useful than a generic salary calculator. The free price on the card is the part I would want to confirm before trusting the numbers.
@nckbrz thank you! I feel the same about it being a step up from generic calculators. Regarding the price / accuracy, it’s free so that I can have thousands of Canadians battle-test the math and correct anything I might have missed.
Reviews (4)
Average 4.8 out of 5
Based on 4 reviews
A Canadian take-home planner that also covers TFSA, RRSP, and retirement is more useful than a generic salary calculator. The free price on the card is the part I would want to confirm before trusting the numbers.
Thanks Chris! Checked Finance Simulator—love the clean UI and 100% client-side privacy focus. Keep it up!
nice
Comments (5)
A free planner covering Canadian take-home pay, TFSA, RRSP and retirement in one place is very practical. Having these calculations together makes the numbers much easier to compare.
@TSUTSU I completely agree! It replaced my own spreadsheet and made it more simple to visualize everything. If you think others would find it useful I would greatly appreciate you sharing it with them. It’s what helps the tool stay free
Congrats on the launch! Looks great đź‘Ź
@tushar thank you very much tushar! That means a lot me.
Smart way to learn financial decision-making through interactive simulation. Lets people practice portfolio strategies and understand market dynamics without real-world stakes. Powerful tool for financial literacy and investor confidence.
@omribenshoham I'm very glad to hear you think that! My mission was to give other Canadians the tools I always wish I had (for free, with no ads, paywalls or data harvesting)
Great way to learn finance without real money at risk. Simulations make complex investment concepts concrete and build intuition for market dynamics. Perfect for building financial literacy before making real capital decisions.
@omribenshoham thank you for the kind and encouraging words. That’s precisely the goal behind the project, to give people the literacy and confidence to achieve financial independence.
Hi, I'm Chris, a solo maker in Montreal. Canadian take-home pay changes by province, and many tools skip Quebec, CPP and OAS. I built this to get them right. Which number looks off to you?