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A not for profit charity since 1966

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Financial tools.

Piggy Pal - Your Money Tracker

PiggyPal acts as your personal financial advisor, only friendlier and more personable. PiggyPal will help you track your daily spending habits online or on-the-go using your mobile handset.
Click here to get more information about PiggyPal and sign up for an account.

Piggy Pal Challenger

An interactive game that tests your money management knowledge.
Click here to play the game.

Benefit of Spending Less

Reducing your spending can be worth more than you might think. Use this calculator to see just how much your budget reductions may be worth, if you were to invest them. View the value of this new potential nest egg both with and without taxes factored in.
Click here to use this calculator

Budget Tracker Booklet

One of the most important keys to money management is knowing how you spend your money. When you have this information, you can plan a budget that works for you. This pocket-size booklet is designed for you to carry with you, and record all your spending for an entire month.
Click here to download the booklet.

Buy or Lease?

Should you lease or buy your car? Use this calculator to find out! We calculate your monthly payments and your total net cost. By comparing these amounts, you can determine which is the better value for you.
Click here to use this calculator

Debt Calculator

Do you want to know how much you are actually paying your creditors? Take a look at how much interest you will be paying for the life of your debts by using our debt calculator.
Click here to use this calculator

Home Budget

Managing your monthly budget can be difficult and frustrating. One of the most important aspects of controlling your budget is to determine where your money is going. This calculator helps you do just that.
Click here to use this calculator

Mortgage Rates

Interested in what today's mortgage rates are? You can compare mortgage rates from the big banks, credit unions, speciality lenders and mortgage brokers in one search. Find out what mortgage rates are offered in your area, then you can apply online or ask to speak to a mortgage specialist about your personal situation.
Click here to compare mortgage rates.

Mortgage Comparison Calculator

Determining which mortgage provides you with the best value is more than simply comparing monthly payments. Use this calculator to sort through the monthly payments, fees and other costs associated with getting a new mortgage.
Click here to use this calculator

Mortgage Payoff

How much interest can you save by increasing your mortgage payment? This financial calculator helps you find out. View the report to see a complete amortization payment schedule, and how much you can save on your mortgage!
Click here to use this calculator

Rent or Buy?

Should you rent or should you buy your home? It takes more than looking at your mortgage payment to answer this question. This calculator helps you weed through the fees, taxes, and monthly payments to help you make a good financial decision.
Click here to use this calculator

Retirement Planner

Do you know what it will take to create a secure retirement? Use this calculator to help you create your retirement plan. View your retirement savings balance and your withdrawals for each year until the end of your retirement.
Click here to use this calculator

RRSP Loan Calculator

A RRSP loan can be an excellent way to jump start your retirement savings. Use this calculator to see how an RRSP loan could help you in your retirement savings plan.
Click here to use this calculator

Savings Calculator

Consistent investments over a number or years can be an effective strategy to accumulate wealth. Even small additions to your savings add up over time. This calculator demonstrates how to put this savings strategy to work for you!
Click here to use this calculator

Savings Goal

What will it take to reach your savings goal? This financial calculator helps you find out. Enter in your savings plan and view graphically your financial results. Click the report button to get more information about your plan, and what you can do to make sure that it is on track.
Click here to use this calculator

Shopping Quiz

Often people don't realize they are in financial difficulty until it is too late. Test yourself with this shopping quiz to determine if you may be in need of credit counselling.
Click here to take the quiz

Student Budget Calculator

Use this calculator to help analyze your budget as a full-time student. This calculator is specifically designed to help students understand their expenses and income while attending a university, college or other full-time educational institution.
Click here to use this calculator

Credit Canada, the operating name for Credit Counselling Service of Toronto, is a not-for-profit charitable service that has assisted thousands of people with credit counselling and debt management programs since 1966. Our agency is a Charter Member of the Canadian Association of Credit Counselling Services and affiliated with the National Foundation for Consumer Credit (NFCC).

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