|

Personal finance, engineered for reality.

Free, privacy-first calculators that strip away the guesswork from buying a home, planning for retirement, and building wealth.

Optimize Your Mortgage

Mortgage Optimizer

Compare rates, map your amortization, and find out exactly how much the bank is taking.

True Cost Calculator

Calculate the hidden costs of property taxes, HOA fees, and major CapEx repairs.

Retirement Planner

Map your Coast FIRE number, stress-test your portfolio, and optimize tax-advantaged accounts.

Coming Soon

Debt Payment Optimizer

Strategize your payoff plan using the Avalanche or Snowball methods to minimize interest.

Coming Soon

Investment Calculator

Project your portfolio growth with advanced compound interest and fee drag metrics.

Coming Soon

Corporate vs. Personal Income (Canada)

Optimize your tax strategy. Calculate the exact difference between taking dividends vs. a salary.

Why Stratos-Tools?

Zero Friction

100% free to use. No sign-ups, no paywalls, and no emails required. Just instant financial clarity.

Privacy First

Your financial data never leaves your browser. No tracking, no servers.

Real Math

Built to handle complex scenarios like CapEx sinking funds and accelerated payments.

Popular Calculator Scenarios

Mortgage

Calgary First-Time Home Buyer Mortgage Calculator Canadian Mortgage Renewal & Payment Shock Calculator Accelerated Bi-Weekly Mortgage Payment Savings Calculator Pay Off Mortgage vs. Invest in TFSA — Which Wins?What Does an Extra $100/Month Do to Your Mortgage?Mortgage Paydown vs. Taxable Investing — The High-Income Math Annual Bonus Lump-Sum Mortgage Prepayment Calculator Canadian Mortgage Calculator — Legally Correct Semi-Annual Compounding Vancouver High-Ratio Mortgage Calculator — Below the $1M CMHC Cutoff

True Cost of Homeownership

True Monthly Cost of Owning a 1970s Bungalow True Monthly Cost of Condo Ownership — Including Strata Fees Auburn Bay Lake Community — True Monthly Cost of Ownership The 1% Rule: How Much Should You Budget for Home Maintenance?Hidden Costs of Buying a House — The True Monthly Number

Retirement Planning

Coast FIRE Calculator — Can You Stop Contributing at 30?Die With Zero Retirement Calculator — Optimize for Spending, Not Inheritance CPP & OAS Integrated Retirement Planner — Bridging the Gap to Age 65 Late Starter Retirement Catch-Up Calculator — $3,000/Month from Age 45 Tech Bonus & RSU Retirement Calculator — 20 Years of Windfall Contributions Generational Wealth Retirement Calculator — Fund Income Without Touching Principal Am I Saving Too Much for Retirement? — Find When You Can Stop Contributing Freedom 55 Retirement Planner — Calculating the CPP/OAS Bridge Gap Millennial Retirement Readiness Calculator — Is $1,500/Month Enough at 35?