About the Author
Julian Fraser is the founder and editor of WealthNorth. Julian researches, writes, and maintains all calculators and editorial content on this site, ensuring every tool reflects current Canadian tax rules, contribution limits, and financial regulations. His work draws on official sources including the CRA, CMHC, Bank of Canada, and Statistics Canada.
About WealthNorth
WealthNorth is a Canadian personal finance resource dedicated to helping Canadians make informed financial decisions. We provide free calculators, data-driven guides, and educational content covering mortgages, taxes, investing, and retirement planning — all tailored specifically to the Canadian financial system.
Our Mission
We believe that financial literacy is a fundamental skill, and that access to accurate financial tools and information should be free for everyone. WealthNorth exists to demystify Canadian personal finance — from understanding how marginal tax brackets work to calculating whether you can afford your first home.
Our goal is to be the most comprehensive and trustworthy source of Canadian financial calculators and educational content on the internet.
What We Offer
Free Financial Calculators
We maintain a growing library of 80+ free calculators purpose-built for Canadians, including:
- Mortgage Calculators — Mortgage payment, affordability, stress test, land transfer tax, closing costs, amortization, and more
- Tax Calculators — Income tax, capital gains tax, sales tax, and salary after tax
- Investment Calculators — Compound interest, investment growth, TFSA, RRSP, FHSA, RESP, dividend income, and MER impact
- Retirement Calculators — Retirement readiness, CPP benefits, OAS, RRIF withdrawals
- Housing Market Data — Average home prices and analysis for Toronto, Vancouver, Calgary, Edmonton, and Montreal
Educational Content
Every calculator page includes comprehensive educational content with worked examples, comparison tables, and plain-language explanations of Canadian financial concepts. We cover topics like how semi-annual compounding works on Canadian mortgages, the difference between eligible and non-eligible dividends, CMHC insurance premiums, and federal and provincial tax brackets for all 13 provinces and territories.
Data and Reference Pages
We maintain regularly updated reference pages for Canadian tax brackets, prime rate history, interest rates, GIC rates, mortgage rates, minimum wage by province, average income, and average net worth in Canada.
Our Methodology
- Canadian-First — All calculators use Canadian tax rules, CMHC guidelines, CRA regulations, and Bank of Canada rates. We account for Canadian-specific details like semi-annual compounding on fixed-rate mortgages, the TFSA contribution room system, and provincial tax variations.
- Data Sources — Our data comes from official Canadian sources including the Canada Revenue Agency (CRA), Canada Mortgage and Housing Corporation (CMHC), Bank of Canada, Statistics Canada, and provincial government publications.
- Regularly Updated — Tax brackets, contribution limits, benefit amounts, and rate tables are updated for the current tax year. When government programs change, we update our content and calculators to reflect the new rules.
- Independently Researched — Our content is researched and written independently. Calculator logic is based on published formulas from official sources, not estimations.
Editorial Standards
- We clearly distinguish between factual information and general guidance
- We cite official Canadian sources (CRA, CMHC, StatsCan) for all key figures
- We do not provide personalized financial advice — our tools help you understand your options so you can make informed decisions, ideally in consultation with a qualified professional
- We disclose affiliate relationships transparently — some links on our site are affiliate links, but they never influence our calculator results or editorial content
- We correct errors promptly when identified
Why Trust WealthNorth
| Principle | How We Deliver |
|---|---|
| Accuracy | Calculators built on official CRA and CMHC formulas, tested against known outcomes |
| Transparency | Open about our methodology, data sources, and affiliate relationships |
| Comprehensiveness | Every topic is covered in depth with tables, examples, and edge cases |
| Canadian-Specific | Built exclusively for the Canadian financial system — not adapted from US content |
| Free Access | All calculators and educational content are free, no registration required |
Contact Us
Have a question, found an error, or want to suggest a new calculator? We’d love to hear from you — visit our contact page to get in touch.
You can also find us on X (Twitter) and LinkedIn.
Stay Updated
Bookmark WealthNorth and check back regularly for updated rates, new calculators, and expanded guides. We are continuously improving our content to serve Canadians better.