Apps that help you learn, pass and feel good.
Room to learn. Space to grow.
Canadian study tools, practical calculators and everyday apps from an independent studio in Toronto. Learn new skills, plan ahead and build good habits for school, work and daily life in Canada.
ChowChow Labs is an independent app studio based in Toronto, Canada. We make free practice tests, calculators and everyday tools built on official Canadian sources.
A better way to practise
Take a short quiz, explain each mistake in your own words, then revisit the same topic a few days later. Use the official handbook to check the rule behind every answer.
Read the study guideGuides
Plain-language guides with real Canadian numbers, checked against official sources. See all guides.
Study & pass
- How to study for the Ontario G1 and Canadian citizenship tests
The two tests side by side, and a study method that works for both.
- Getting your Ontario driver’s licence as a newcomer
Exchange or graduated licensing, including the July 2026 change.
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Money & home
- RRSP vs TFSA vs FHSA: which to fill first in 2026
How the three accounts compare, and where your next dollar should go.
- First-time home buyer programs in Canada, all in one place
Every federal and provincial program, what it’s worth and when to use it.
- Fixed vs variable mortgage in Canada: how to decide
A worked $500,000 example and the questions that should decide it.
- How Canadian tax brackets work in 2026
Marginal vs. average rates, with the real 2026 brackets and a worked example.
- The real cost of buying a home in Canada, beyond the down payment
Insurance, the tax on it, land transfer tax and the stress test, added up for a $700,000 home.
- Take-home pay in every province and territory in 2026
Our own data: what you keep at five salaries across Canada, and where the gaps come from.
- Land transfer tax across Canada at five home prices
Our own data: six places compared, with and without first-time buyer rebates.
Everyday wellbeing
- White, pink and brown noise: do they help you sleep?
What the colours mean and what the research actually says.
Our tools & apps
Practical, easy-to-use tools and study apps for everyday life. Here’s how each one works, what’s free, and how we keep it accurate.
Ontario G1 Driver’s Test Prep
Twelve mixed mock exams and eight theme quizzes for Ontario’s G1 knowledge test, scored against the real 80% pass mark. Every answer has an explanation that links to the section of the official MTO Driver’s Handbook it comes from.
- Separate road signs and rules of the road practice tests
- Free lessons on road signs, right-of-way, demerit points and G1 restrictions
- A guide to the test format, fees and what to bring
Canadian Citizenship Test Prep
Practice tests in the real format (20 questions, 45 minutes, 15 correct to pass), in English and French, written from Discover Canada, the official study guide.
- Study pages for every topic, from history to government and elections
- A 7-day and a 30-day study plan
- Review of the questions you got wrong
Canadian Take-Home Pay Calculator
Your 2026 federal and provincial income tax, CPP or QPP and EI, and what you keep each year, month and paycheque, for every province and territory. Everything is calculated in your browser.
- Province-by-province pages and a side-by-side comparison
- An hourly-to-salary converter
- A published method with a worked $100,000 example
Canadian Mortgage Calculator
Mortgage payments under Canadian rules, with semi-annual compounding, the minimum down payment, CMHC insurance premiums and the provincial tax on them, land transfer tax with first-time buyer rebates, and what you can afford under the stress test.
- Calculators for affordability, renewal, refinancing, prepayment and comparing offers
- Available in English, French and Chinese
Brain and Senses
Ten short challenges for reasoning, spatial skills, memory, attention, reaction time, colour, hearing and vision, each with Entry, Regular and Hard levels. Scoring rules are published in full. They’re for fun and practice, not medical tests.
- Available in English, French, Japanese and Chinese
Sleep Buddy
Calming sounds such as rain, waves and white noise that you can mix into your own soundscape, plus ready-made soundscapes, a sleep timer and a bedtime routine.
How we check our content
Built on official sources
Test questions follow the MTO Driver’s Handbook and Discover Canada. Calculators use CRA, FCAC, CMHC, OSFI and provincial rules, each with the date we last checked it. See our sources and corrections.
Free, without an account
Practice tests, calculators, lessons and guides are free to use without signing up. Optional paid plans add extras, and some free pages show ads. Our privacy policy.
Contact ChowChow Labs
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