The real cost of
life's biggest decisions
15 free calculators built on Statistics Canada and CRA data — plus a free AI advisor that explains your results and gives you a personalised action plan. No sign-up, no cost, ever.
Every calculator now has a free AI advisor built in
After you enter your numbers, ask the AI to explain what they mean — in plain English, with a specific action plan for your situation. Zero cost to you, ever.
Calculators
Pick your life event
Each tool covers a situation where the real cost surprises nearly everyone.
Remote Work True Cost Calculator
Commute savings, home office costs, meals, clothing — see your real annual net.
Salary Negotiation Calculator
See the lifetime earnings impact of negotiating and compare to BLS market benchmarks by field.
Debt Payoff Calculator
Avalanche vs. snowball comparison with your real debts — total interest saved and months to debt-free.
Emergency Fund Planner
Personalized target based on job stability, income type, and health situation — with savings plan.
Compound Interest Calculator
What a starting amount and monthly contributions grow to — split into what you paid in and what the market added.
FIRE Calculator
FIRE number, years to financial independence, Social Security impact, and portfolio projection.
Rent vs. Buy Calculator
True 5 & 10-year comparison with opportunity cost, appreciation, break-even timeline, and net wealth.
Wedding Cost Calculator
Itemized budget estimate by guest count, region, and style — with real data from 12,000+ couples.
Having a Baby True Cost Planner
State-specific year-one estimate: childcare, medical, gear, and parental leave lost wages.
Pet Cost Calculator
Year-one setup, annual recurring costs, and lifetime total — including the vet bills most people miss.
Car True Cost of Ownership
True 5-year cost: depreciation, insurance, fuel, maintenance, and financing. New vs. used vs. EV.
Home Buying True Cost Calculator
Closing costs, PMI, property taxes, HOA, insurance, and maintenance — the complete year-one picture.
College True Cost Calculator
Tuition, room & board, loan interest, and opportunity cost — the real 4-year total.
Chronic Illness Annual Cost Calculator
Beyond copays — medications, lost work, and lifestyle changes. The true annual burden.
Aging Parent Care Financial Planner
In-home care, assisted living, memory care — and the career impact on the family caregiver.
Navigate by life stage
Find tools for where you are in life
Why DecisionsCalc
Built differently
Real data sources
Every default value cites Statistics Canada and CRA, or peer-reviewed research — not a "reasonable estimate" from thin air.
100% private
Everything runs in your browser. We never see your numbers. No account, no tracking of your inputs, ever.
Ready in 2 minutes
Pre-loaded with national averages. Change only what applies to you. Results update instantly as you type.
Free AI analysis
Every calculator includes a free AI advisor — enter your numbers, click Analyse, and get a plain-English explanation plus 3 personalised action steps.
From the guide
Recent financial guides
When to Take CPP: 60, 65 or 70
The CPP timing decision in Canada — a 36% cut at 60, a 42% increase at 70, where break-even actually falls, and how it interacts with the OAS clawback.
Land Transfer Tax by Province in Canada (2026)
Land transfer tax ranges from nothing in Alberta to five figures in Toronto. The 2026 provincial rates, the Toronto double charge.
Renting vs Buying in Canada (2026): The Real 5-Year Numbers
The honest Canadian rent-vs-buy comparison — down payment, land transfer tax, CMHC premium, the stress test and the opportunity cost of your deposit.
Parental Leave by Province in Canada (2026)
Job-protected maternity and parental leave length by province — Ontario, BC, Alberta and more — and how it differs from federal EI benefit weeks.
FHSA: The First-Home Account That Beats Both RRSP and TFSA
Deductible going in, tax-free coming out — the $8,000/year FHSA rules, stacking with the $60,000 Home Buyers Plan, and the moves first-home savers miss.
Closing Costs in Canada: The 1.5–4% Nobody Budgets For
Land transfer tax by province, the Toronto double-tax, legal fees, the PST-on-CMHC cash sting, and the first-time buyer rebates that claw thousands back.
EI Maternity & Parental Leave Canada 2026: What You Get
EI maternity and parental benefits for 2026 — the $729/week standard and $437/week extended caps, the 600-hour qualifying rule, standard vs extended.
RRSP vs TFSA in Canada: Which Should You Fill First?
The marginal-rate decision rule, contribution room mechanics, the withdrawal traps, and the practical default order for most Canadians.
The True Cost of Buying a Home: 6-Country Comparison (2026)
What it really costs to buy in the US, UK, Canada, Australia, Ireland and Switzerland — typical prices, deposit rules.
How Much a Wedding Costs: 6-Country Comparison (2026)
Average wedding costs compared across the US, UK, Canada, Australia, Ireland and Switzerland — what drives the bill, and the levers that cut it most.
State Pension Age & Amount: 6-Country Comparison (2026)
When you can claim a public pension and how much you get in the US, UK, Canada, Australia, Ireland and Switzerland.
Graduate Salary & Student Debt: 6-Country Comparison (2026)
What graduates earn and owe in the US, UK, Canada, Australia, Ireland and Switzerland — starting salaries and how student debt works (or barely exists) in.
Free calculators. Free AI. Free PDF checklists.
Enter your numbers, get your real costs, ask the AI what they mean — and download a personalised checklist PDF. All free, always.