Find Helpful Financial Calculators from Essence CPA

Are you considering refinancing your mortgage or wondering how much to save for your child’s education? Many of the clients at Essence CPA come to me with these types of questions. I invite you to use the financial calculators on this page as a starting point in your decision-making process. As a GTA chartered accountant, I am pleased to assist you through your important life decisions.

Financial Calculators

Accelerated Debt Payoff

If you’ve consolidated your debt, we can show you how to accelerate the debt payoff.


Amortizing Loan Calculator

Figure out the loan amount, payment and frequency that works for you!


Auto Loan Calculator

How much car can you afford? Find out.


Auto Rebate vs. Low Interest Financing

Should you take advantage of low interest financing or a rebate? Check now.


Bi-Weekly Payment Calculator

Explore the savings of a bi-weekly mortgage payment.


Buy vs. Lease

Not sure whether to buy or lease. This calculator can help you!


Chequebook Balancer

Discover a quick and easy way to balance your chequebook.


Compare Savings Rates

See how much difference your rate can make over time.


Compound Interest

See how compounding interest affects your savings.


Consolidation Loan Investment

View the results of paying off your debt with a consolidation loan and investing the payment savings.


Cool Million

When will your savings plan make you a millionaire? Find out.


Credit Line

What is the limit of your credit line?


Disability Insurance

How much disability insurance do you need?


Education Savings

Fine-tune your education savings plan.


Emergency Savings

Explore the amount of emergency savings you may need.

Enhanced Loan Calculator

Quickly and easily change your payment, loan amount, rate or term.


Equipment Buy vs. Lease

Should you buy or lease? Find out now!


Home Budget

Figure out where your money goes and find ways to save.


Investment Goal Calculator

Is your investment plan on track? Check it out.


Investment Savings & Distributions

Determine how long your investment savings will last once you begin taking distributions.


Investor Profile Questionnaire

Create a balanced portfolio.


Life Expectancy Calculator

Get an idea of your life expectancy based on your age and other factors.


Life Insurance

How much life insurance do you really need?


Credit and Loan Payments

Determine your payments quickly and easily.


Loan Comparison

Compare monthly payments, fees and other costs.


Low Interest Financing Savings

How much can you save on low interest financing? Find out.


Mortgage Calculator

Determine your monthly payment and amortization schedule.


Mortgage Comparison

Find out which loan is best for you.


Mortgage Payoff

Increase your payment and save thousands in interest.

Mortgage Qualifier

How much house can you afford?


Mortgage Refinance Savings

How much can you save by refinancing?


Net Worth

Find out your net worth and how it can change.


Personal Debt Consolidator

Is debt consolidation right for you? Find out.


Rent vs. Buy

Are you better off buying or renting?


Retirement Income

How much monthly income will your retirement savings provide?


Retirement Planner

See if your retirement plan is on track.


RRIF Payment Calculator

Explore different options for your Registered Retirement Income Fund (RRIF).


RRSP Loan Calculator

Jump start your retirement savings. Find out how.


Savings Calculator

See how consistent savings can effectively accumulate wealth.


Savings Goal

How can you reach your savings goal? Find out.


Savings, Taxes & Inflation

Find out how much your savings will be worth when considering tax and inflation.


Student Budget Calculator

Understand your expenses and income while attending university.


Tax Free Savings Account Comparison

Compare a TFSA to a RRSP and an ordinary taxable savings account.


Taxable vs. Tax Advantaged Investments

Compare a normal taxable investment, a tax deferred investment and a tax-free investment.

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