Our Mission

Many Canadians are asked to make important financial decisions without having access to clear, practical information.

Too often the details are buried. Hidden in technical language. Or presented in ways that are difficult to interpret.

Our goal is to change that. We want to provide Canadians with access to clear, practical financial information they can actually use.

We built these calculators to give people direct access to the numbers behind common financial questions.

These tools are meant to provide a clear starting point to allow you to approach financial decisions with better information and greater confidence.

Available Tools

CPP Optimizer Live

Compare the long-term wealth impact of taking CPP at age 60, 65, or 70. See break-even points and projected outcomes with adjustable return rates, inflation, and tax assumptions.

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Rent vs. Buy Calculator Live

Compare the true wealth impact of renting versus buying over time. Accounts for mortgage costs, property taxes, maintenance, opportunity cost of the down payment, and investment returns.

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Portfolio Analyzer Live

Backtest portfolio allocations using historical data from 1970 to today. Analyze returns across asset classes including S&P 500, TSX, bonds, gold, and REITs.

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Negative Headlines Dashboard Live

Nearly a century of fear-driven headlines and what actually happened. Explore expert predictions, market recoveries, bull & bear cycles, and why staying invested has consistently outperformed reacting to the news.

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Retirement Planner Live

Model your path to retirement with customizable savings rates, expected returns, and withdrawal strategies. See how your decisions today affect your future financial freedom.

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Life Insurance Needs Analysis Live

Determine your optimal life insurance coverage using the Capital Needs Approach. Accounts for income replacement, debts, education funding, final expenses, and existing assets across Canadian provinces.

Launch Tool

Coming Soon

Decumulation Engine Coming Soon

Compare RRSP/RRIF withdrawal strategies year by year. Model taxes, OAS clawback, pension splitting, survivor outcomes, and terminal tax to find your optimal drawdown path.

Coming Soon

Asset Allocation Analyzer Coming Soon

Analyze your portfolio's allocation across asset classes, geographies, and sectors. Get personalized target recommendations, gap analysis, and a specific rebalancing action plan.

Coming Soon

Income Tax Calculator Coming Soon

Estimate your Canadian federal and provincial income taxes. Supports T4 income, RRSP deductions, capital gains, and eligible dividends with detailed marginal rate breakdowns.

Coming Soon