Free tools for life in Montreal
Calculators, checkers and quizzes built for Quebec and Canada. They run in your browser, need no account, and list their official sources.
Canadian money and tax 10
- RRSP vs TFSA OptimizerUnder $50,000 income, fund the TFSA first. Between $50K-$100K, split. Above $100K, fund the RRSP first…
- Canada Tax Refund EstimatorYour refund depends on three numbers: total income, tax withheld at source (T4 Box 22), and…
- EI Benefit CalculatorEI regular benefits pay 55 percent of your average insurable weekly earnings, up to a maximum…
- CPP and OAS RetirementIn 2026 the maximum CPP at age 65 is $1,433 per month (average actual: $832). Maximum…
- Mortgage Stress TestFederally regulated lenders qualify you at the greater of (a) your contract rate plus 2 percentage…
- FHSA OptimizerThe FHSA combines the best of RRSP and TFSA: you get an RRSP-style tax deduction on…
- Canada Child BenefitFor July 2025 to June 2026, the maximum CCB is $7,997 per year ($666/month) per child…
- Express Entry CRSExpress Entry ranks you out of 1,200 points. The 2026 cutoff oscillates between roughly 470 and…
- GST/HST CreditThe 2026 GST/HST credit pays up to $533 for a single adult, $698 for a couple,…
- Passport Cost and TimeAdult: $120 CAD for 5 years, $160 for 10 years. Child (under 16): $57 for 5…
Montreal life 21
- STM Fare CalculatorA single STM ride is $3.75 CAD. A 24-hour pass costs $11.50. A weekly pass is…
- Parking Sign DecoderMontreal parking signs read top-to-bottom in time order. Arrows pointing left or right show where the…
- Hydro-Québec Bill EstimatorHydro-Québec Rate D residential: first 40 kWh/day at 6.905¢/kWh, then 10.652¢/kWh. A 1,000 kWh apartment month…
- Lease (Form F) CheckerForm F (formerly Clause G) is a mandatory disclosure landlords must give tenants before signing. It…
- Snow Parking AlertMontreal posts orange "Tempête / Snow operations" signs 12 hours before plowing. You must move your…
- Tip and Tax CalculatorOn a Montreal restaurant bill: add 14.975 percent for tax (5 percent GST + 9.975 percent…
- Winter Tire DeadlineQuebec law requires winter tires from December 1 to March 15 every year. Fines are $200-$300…
- Garbage and Recycling SchedulePickup days vary by borough. In Plateau-Mont-Royal: garbage Tue/Fri, recycling Mon, organics Wed. In Outremont: garbage…
- Neighbourhood Match QuizTop neighborhood picks: Plateau (artsy, walkable, $1,700 avg 1BR), Mile End (hipster, expensive, $1,800), Verdun (family…
- Moving Day ChecklistQuebec leases run July 1 to June 30, so ~225,000 households move the same day. Book…
- Quebec Income Tax CalculatorQuebec 2026 provincial brackets: 14 percent up to $53,255, 19 percent to $106,495, 24 percent to…
- BIXI Cost CalculatorBIXI season membership: $112 CAD/year (Apr 15-Nov 15, unlimited 45-min rides). Monthly: $35. One-Way ride: $1.50…
- Daycare Cost CalculatorSubsidized "Réduced Contribution" CPE and family daycare costs $9.35/day per child (2026), about $204/month. Non-subsidized private…
- Festival CalendarMajor Montreal festivals 2026: Jazz Festival (June 25-July 5), Just for Laughs (July 14-26), Osheaga (Aug…
- Newcomer 30-Day ChecklistTop 10 first-month tasks: 1) Apply for SAAQ Quebec ID at the SAAQ. 2) Open a…
- SAAQ License CostQuebec Class 5 license costs $89.50 CAD initial issuance ($45.40 fee + $44.10 health contribution). Annual…
- French Level Self-TestCEFR levels: A1-A2 (basic, can survive a coffee order), B1 (most service jobs, simple conversations), B2…
- Ski Hill Match QuizClosest day trips: Saint-Sauveur (1h, beginner/intermediate), Bromont (1h15, family-friendly + tubing), Sutton (1h30, glades), Tremblant (1h45,…
- QPIP Parental LeaveQPIP basic plan: 70 percent of average weekly insurable earnings for 18 weeks maternity + 5…
- School Zone FinderIn Quebec each address is assigned to a specific public school. Look up your school by…
- St-Viateur vs FairmountFairmount (open since 1919) is slightly denser, sweeter, with a thicker crust. St-Viateur (1957) is softer,…
Travel and time 20
- World Time Zone ConverterEnter a Montreal Eastern Time — get equivalents in 17 major world cities. Auto-adjusts for daylight…
- Jet Lag CalculatorJet lag typically lasts 1 day per time zone crossed. Eastbound is harder than westbound. Get…
- KM to Miles Converter1 km = 0.621 miles · 1 mile = 1.609 km · A 5K = 3.1…
- Travel Currency ConverterApproximate 2026 conversions: $100 CAD ≈ $72 USD ≈ €68 EUR ≈ £58 GBP ≈ ¥11,000…
- Hotel Night Cost CalculatorSticker price ≠ total. Add taxes (~14-18%), resort fees, parking, breakfast. A $200 hotel often becomes…
- Road Trip Fuel CostMultiply distance (km) by fuel economy (L/100km) by gas price per litre. Quebec gas averaged $1.65/L…
- Flight Carbon FootprintRoughly 90g CO2 per passenger per km in economy. Short flight YUL-Toronto ≈ 0.05 tonnes. YUL-Paris…
- Gas vs EV CostIn Quebec a typical EV costs $300-500/year to charge vs $2,000-3,000/year in gas. Hydro-Quebec residential rate…
- Hostel vs HotelHostels charge per person. Hotels are flat-rate per room. Break-even: hotel cost ÷ hostel cost =…
- Daily Travel BudgetBackpacker: $50-80/day. Mid-range: $150-250/day. Luxury: $400+/day. Highly destination-dependent — Southeast Asia is 1/4 the cost of…
- Layover CalculatorDomestic: 45-60 min minimum. International with customs: 2-3 hours minimum. Different airline alliances: add 30-60 min.…
- Luggage Weight CheckerMost economy checked bags: 23 kg (50 lb). Premium economy and business: 32 kg (70 lb).…
- Travel Insurance EstimatorStandard medical coverage: $4-8/day per person for short trips. Add cancellation, baggage, or evacuation coverage: total…
- Schengen 90/180 CalculatorCanadians get 90 days visa-free per any 180-day period in the Schengen Area (26 European countries).…
- Passport Renewal EligibilityYes if: your last passport was issued at age 16+, less than 15 years old, not…
- Road Trip Time CalculatorGPS estimates are optimistic. Add 10-15% for traffic, 15 min per fuel stop, 20-30 min per…
- Air Miles Redemption ValueAeroplan: ~1.5-2 cents per point on flights (better than cash-back). Air Miles: ~0.1-0.15 cents per mile…
- Travel Credit Card ROIAdd up: travel insurance value ($150-300), lounge access ($30/visit), free checked bag ($50/flight), welcome bonus (~$500…
- Vacation Savings GoalSet a target trip cost and date — get a weekly savings number. Add a 15%…
- Walking Time CalculatorAverage walking pace: 5 km/h (~12 min per km). Tourists with stops average 3-4 km/h. Easy…
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