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.
Launch ToolRent 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.
Launch ToolMortgage Prepayment vs. Investing Live
The same surplus dollar, two paths: prepay the mortgage or invest it. Canadian mortgage rules, prepayment privileges, renewals, and 2026 taxes - with the break-even return as the headline answer.
Launch ToolPortfolio 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.
Launch ToolIncome Tax Calculator Live
Estimate your 2026 Canadian federal and provincial income taxes. Supports T4 income, capital gains, eligible dividends, and medical expenses, with marginal rate breakdowns and RRSP contribution recommendations.
Launch ToolTFSA Room Calculator Live
Calculate your exact TFSA contribution room for 2026 – built on your age, residency, and withdrawals, with the January 1 re-contribution rule and over-contribution penalty warnings most calculators skip.
Launch ToolThe Cost of Waiting Live
See what each year of delaying investing really costs – the monthly catch-up contribution it creates and how it compounds. Stress-tested across 1,500 simulated market futures, with realistic Canadian income curves for an honest early-vs-late comparison.
Launch ToolRetirement 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.
Launch ToolLife 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 ToolMonte Carlo Simulator Live
Stress-test your withdrawal plan across 5,000 simulated market scenarios – success probability, the full range of outcomes, and the year-by-year risk of running out. Includes historical Canadian GIC rates back to 1968 and inflation-adjusted results.
Launch ToolYour Market Lifetime Live
Enter the year you were born and see every crash, correction and recovery you've lived through – seven decades of real Canadian market history. Includes a panic simulator that shows what selling in downturns would have cost, in dollars.
Launch ToolRESP Calculator Live
Check what your child’s RESP is eligible to receive, what can still be caught up before the age-17 cut-off, and whether a Canada Learning Bond is sitting unclaimed – with a year-by-year contribution schedule.
Launch ToolBudget Planner Live
A simple, detailed budgeting tool that shows where your money is going and what your debt is costing you – with details and commentary where something is worth a second look.
Launch ToolComing 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 SoonAsset 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