Financial Calculators
Use our suite of financial tools to plan your savings, estimate mortgage payments, calculate loan costs, and maximize your RRSP. All calculators run instantly — no login required.
Your Complete Financial Planning Toolkit
Calculate the principal and interest to pay off a loan, estimate the future value of a deposit, find out how much you need to save to reach a goal, and more.
Savings Calculator
Estimate future savings based on monthly contributions, interest rate, and time.
Use Calculator →Mortgage Calculator
Calculate Canadian monthly mortgage payments based on principal, rate, and amortization.
Use Calculator →Loan Calculator
Find out your monthly payment for any loan — car, renovation, personal — in seconds.
Use Calculator →RRSP Tax Calculator
Estimate potential tax savings using a marginal tax rate you provide.
Use Calculator →RRSP Savings Calculator
Estimate how much your RRSP will grow by the time you retire.
Use Calculator →Currency Converter
Convert between currencies using live Bank of Canada exchange rates.
Open Tool →GO Figure Centre
One-stop financial education and planning centre for investments, budgeting, and retirement.
Launch GO Figure →Online Loan Application
Ready to act on your numbers? Apply for a loan securely online right now.
Apply Now →Savings Calculator
Enter how much you can afford to save each month, how long you plan to save, and an interest rate — this calculator will estimate your total savings including interest earned.
Savings Calculator
Estimate the future value of regular monthly deposits
Enter your monthly deposit, interest rate, and time horizon, then click Calculate to see your projected savings.
Mortgage Calculator
Calculate Canadian mortgage payments based on principal, interest rate, amortization period, and payment frequency. Uses semi-annual compounding as required by Canadian mortgage law.
Mortgage Calculator
Canadian mortgage with semi-annual compounding
Enter your home price, down payment, interest rate, and amortization period, then click Calculate.
💡 OECU Mortgage Rates: Fixed closed 5-year at 5.10% · Variable from 4.70% · Pre-approval with 90-day rate guarantee. See all rates → | Learn about OECU mortgages →
Loan Calculator
Find out how much that new car loan, home renovation, or personal loan will cost each month. See the total interest you'll pay over the life of the loan.
Loan Calculator
Personal loans, auto loans, and more
Enter your loan amount, interest rate, and term, then click Calculate to see your payments.
💡 OECU Loan Rates: Personal loans from 8.20% · New vehicle loans from 5.20% · Used vehicles from 8.20%. Reduced rate available with full payroll deposit. See all rates →
RRSP Tax Calculator
Estimate the potential income-tax reduction from an RRSP deduction. Enter your expected marginal tax rate; this illustration does not calculate your tax return or RRSP contribution room.
RRSP Tax Savings Calculator
Estimate RRSP tax savings using your marginal tax rate
Check your personal RRSP deduction limit on your latest CRA notice of assessment or CRA My Account.
Illustrative default only. Enter your estimated combined federal and provincial marginal rate.
Enter your income, contribution, and estimated marginal tax rate, then click Calculate to see your estimated tax refund.
⚠ Disclaimer: This is an illustrative calculation using the marginal tax rate you enter, not a tax-return estimate. Actual savings depend on your income, deductions, credits, province, and contribution room. Confirm your RRSP deduction limit with CRA and consult a qualified tax professional. OECU is not a tax advisor.
RRSP Savings Calculator
This tool estimates the growth of your Registered Retirement Savings Plan in the years until you retire. It's a great incentive to start saving now — even small contributions add up dramatically over time.
RRSP Growth Calculator
See how your RRSP grows between now and retirement
Enter your current balance, annual contribution, expected return, and years to retirement, then click Project My RRSP.
Additional Financial Tools
These trusted tools are provided by external partners for your convenience. They open in a new tab.
Currency Converter
This financial tool, developed by the Bank of Canada, converts currencies into other currencies using official exchange rates. Ideal for travel planning and international transfers.
Credit Card Cost Calculator
Identify which credit cards will cost you the least in interest and fees over a year, based on your card usage patterns and spending habits.
GO Figure — Financial Resource Centre
With one stop, get the financial education and management tools you need today. Calculate your needs for investments, insurance, retirement, budgeting, mortgages, and much more — all in one secure site.
Online Secure Loan Application
Ready to act on your calculations? Apply for an OECU loan securely online. Fill out your application from the comfort of your home and learn about our competitive rates and flexible payment schedules.
Like What You See? Let's Make It Happen.
Run the numbers, then take the next step. Our lending team will help you find the product that fits your situation — at rates designed for Ontario educators.