Financial calculators built correct for both Canada and the US
Most calculators quietly assume one country's rules. Nordfolio implements both the Canadian and US conventions — compounding, tax structure, account types — so cross-border movers, new immigrants, and dual residents get a number that's actually right for them.
Calculators
Mortgage payment (Canada & US)
Switch between Canada's semi-annual compounding convention and the US monthly convention — view the payment and full amortization schedule for either.
Open calculatorOntario & Toronto land transfer tax
Provincial land transfer tax, plus Toronto's additional municipal tax stacked on top — including both jurisdictions' first-time-homebuyer rebates.
Open calculatorCMHC mortgage loan insurance premium
Premium by loan-to-value band, with the minimum down payment and $1.5M insurability cap checked automatically.
Open calculatorRRSP contribution tax refund (Ontario)
Estimate your refund using real combined federal + Ontario marginal tax brackets, correctly blended when a contribution spans more than one bracket.
Open calculatorTFSA contribution room
Lifetime accumulated room from the real historical annual limit for every year since 2009 — including the one-time $10,000 limit in 2015.
Open calculatorRRIF minimum withdrawal
Correctly switches between the 1/(90-age) formula and the CRA-prescribed factor table at 71+, instead of extrapolating one formula past where it stops applying.
Open calculatorOAS clawback (recovery tax)
Uses your own actual OAS entitlement, not an assumed maximum, and caps the clawback so net OAS never goes negative.
Open calculatorTools
Live market data
Updated dailyWhy Nordfolio
Dual-jurisdiction by default
Every general calculator supports both the Canadian and US convention, switchable in one place — not two separate sites bolted together.
Every number is sourced
Each result shows the exact parameter, source, and retrieval date it was built from — no bare numbers with no defensible basis.
Data collected daily
FX, benchmark rates, and mortgage rates are collected and validated on an ongoing basis, so the history keeps building rather than starting from zero later.