Flagship tool
Retirement calculator
Estimate whether registered, non-registered, TFSA, pension, CPP/QPP, and OAS income may support an after-tax retirement spending goal.
Planning calculators
Practical tools for Canadian retirement and tax planning.
Each calculator is designed to make assumptions visible and help users explore planning scenarios more thoughtfully. The tools are educational in nature and are intended to support understanding, not replace personalized professional advice.
Retirement / decumulation
Income, benefits, and withdrawals
CPP/QPP timing calculator
Compare simplified start-age scenarios for Canadian public pension benefits.
PlannedOAS clawback estimator
Estimate potential Old Age Security recovery tax exposure from income assumptions.
PlannedRRIF minimum withdrawal calculator
Estimate prescribed minimum withdrawals and project balances using transparent assumptions.
Retirement income sustainability calculator
Test how long a simplified income plan may last under spending and return assumptions.
PlannedSavings / investment
Growth and contribution planning
Future value calculator
Project a lump sum or contribution stream using a simple return assumption.
Savings goal calculator
Estimate the contribution needed to reach a future target amount.
RRSP vs TFSA comparison
Compare simplified long-term TFSA and RRSP outcomes using contribution, tax-rate, return, and refund assumptions.
Compound growth calculator
Show how compounding affects balances over time using a fixed rate assumption.
Tax planning
Tax estimates and planning tradeoffs
Marginal tax rate estimator
Estimate a simplified marginal tax rate for planning conversations.
PlannedCapital gains tax estimator
Estimate tax on a capital gain using simplified inclusion and rate assumptions.
PlannedEligible dividend tax estimator
Estimate taxable income and tax effects from eligible dividend assumptions.
PlannedRRSP contribution tax savings calculator
Estimate potential tax savings from an RRSP contribution under a simple marginal-rate model.
Debt / mortgage
Payments and amortization
Mortgage payment calculator
Estimate a recurring mortgage payment from principal, rate, and amortization assumptions.
PlannedMortgage amortization calculator
Illustrate principal and interest over a simplified mortgage schedule.
PlannedLoan payment calculator
Estimate a loan payment using balance, rate, term, and payment frequency assumptions.
PlannedEstate / planning
Estate value and settlement estimates
Net estate value estimator
Estimate a simplified net estate value after debts, taxes, and settlement assumptions.
PlannedProbate/estate cost estimator
Placeholder for estimating selected estate administration costs by planning assumptions.
Planned