FolioNorth
Free Canadian investing calculators, for people who do it themselves.
ETF splits, currency conversion, rebalancing, asset location, modeled on Canadian rules, free, with no account required.
The Tools
Tools built around the way Canadians invest.
ETF Split Calculator
See exactly how much you could save by splitting your all-in-one ETF into its components
Norbert's Gambit Calculator
Compare currency conversion costs across brokerages before buying USD-listed ETFs
Rebalancing Calculator
Calculate the exact trades needed to rebalance your portfolio back to target
RRSP vs TFSA
Where does the next investing dollar belong, given your bracket now and at retirement?
Mortgage Paydown vs Invest
Pay down the mortgage faster, or invest the extra cash? Account-aware, with a break-even return.
Asset Location Optimizer
Find out which ETFs belong in your RRSP, TFSA, and non-registered accounts
TFSA Contribution Room
Cumulative room from your year of birth, with the recontribution rule built in
FHSA Calculator
Room, carryforward, deduction value, and tax-free growth toward a down payment
RRSP Refund
Estimate the 2026 tax refund your RRSP contribution is worth, by province
Capital Gains Tax
Estimate 2026 tax on a realized capital gain, by province and bracket
Brokerage Transfer Bonuses
Compare Canadian broker cash promos and see your net bonus after transfer-out fees
Credit-Card Welcome Bonuses
Compare Canadian welcome offers and rank them by net first-year value at your spend level.
Canadian Brokerages
Commissions, CAD/USD conversion, and account types for the Canadian brokerages DIY investors shortlist
Canadian Credit Cards
Rewards, annual fees, and FX handling for the major Canadian cards, with in-depth reviews
ETF Guides
Not sure which ETF to start with?
Neutral guides to the all-in-one ETFs Canadians ask about most: what each one costs you in convenience, and how to decide.
From the Blog
Plain-language notes on Canadian investing
The tax rules, fees, and account questions behind the calculators, written out in full.
Why FolioNorth
Built by a Canadian investor, for Canadian investors
Most financial tools are built for Americans. FolioNorth is different: every calculator accounts for Canadian account types (RRSP, TFSA, non-registered), Canadian ETFs, Canadian tax rules, and Canadian brokerages. No fluff, no upsells, just tools that help you make better decisions with your money.
Stay in the Loop
One email a month for Canadian DIY investors
What changed and what it costs you: expiring transfer offers, fee cuts, new contribution limits, and new tools.
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