{
  "metadata": {
    "language": "multilingual",
    "languages": [
      "en",
      "fr",
      "zh"
    ],
    "generatedBy": "tools/build-search-index.mjs",
    "generatedAt": "2026-09-13",
    "privacy": "Static client-side index. Raw search queries remain browser-local and are not collected by this file.",
    "bodyTextIndexed": false,
    "stableResourceDeduplication": true,
    "recordCount": 271,
    "versionCount": 813,
    "counts": {
      "calculator": 128,
      "article": 38,
      "reference": 40,
      "glossary": 54,
      "clarity": 11
    },
    "scope": "calculator-directory",
    "derivedFrom": "assets/data/search/search-index.multilingual.json",
    "eligibleCalculatorCount": 126
  },
  "vocabulary": {
    "metadata": {
      "schemaVersion": "1.0",
      "purpose": "Governed multilingual retrieval vocabulary for sitewide OpenBook search.",
      "lastReviewed": "2026-09-09",
      "displayTerminologyAuthority": [
        "docs/openbook-terminology-bank.md",
        "docs/openbook-language-standard.md",
        "localized resource metadata"
      ],
      "editorialBoundary": "Recognition for retrieval does not approve an expression for titles, labels, articles, glossary copy, translations, or other public wording.",
      "matchingBoundary": "This file defines semantic concept associations. It does not authorize fuzzy, typo, or edit-distance matching."
    },
    "concepts": [
      {
        "id": "registered-account.rrsp",
        "scope": "family",
        "bestMatchEligible": false
      },
      {
        "id": "registered-account.tfsa",
        "scope": "family",
        "bestMatchEligible": false
      },
      {
        "id": "registered-account.rrif",
        "scope": "family",
        "bestMatchEligible": false
      },
      {
        "id": "registered-account.resp",
        "scope": "family",
        "bestMatchEligible": false
      },
      {
        "id": "registered-plan.canadian",
        "scope": "topic",
        "bestMatchEligible": false
      },
      {
        "id": "rrsp.contribution-room",
        "scope": "intent",
        "bestMatchEligible": true
      },
      {
        "id": "rrsp.deduction-limit",
        "scope": "intent",
        "bestMatchEligible": true
      },
      {
        "id": "rrsp.contribution-tax-savings",
        "scope": "intent",
        "bestMatchEligible": true
      },
      {
        "id": "tfsa.contribution-room",
        "scope": "intent",
        "bestMatchEligible": true
      },
      {
        "id": "rrif.minimum-withdrawal",
        "scope": "intent",
        "bestMatchEligible": true
      },
      {
        "id": "planning.cash-flow",
        "scope": "topic",
        "bestMatchEligible": false
      },
      {
        "id": "planning.retirement-savings",
        "scope": "topic",
        "bestMatchEligible": false
      },
      {
        "id": "borrowing.mortgage",
        "scope": "topic",
        "bestMatchEligible": false
      },
      {
        "id": "mortgage.prepayment",
        "scope": "intent",
        "bestMatchEligible": true
      },
      {
        "id": "mortgage.refinancing",
        "scope": "intent",
        "bestMatchEligible": true
      }
    ],
    "expressions": [
      {
        "value": "RRSP",
        "language": "und",
        "role": "acronym",
        "concepts": [
          {
            "id": "registered-account.rrsp",
            "weight": 1
          }
        ]
      },
      {
        "value": "REER",
        "language": "fr",
        "role": "equivalent",
        "concepts": [
          {
            "id": "registered-account.rrsp",
            "weight": 1
          }
        ]
      },
      {
        "value": "RRSP contribution room",
        "language": "en",
        "role": "intent",
        "concepts": [
          {
            "id": "registered-account.rrsp",
            "weight": 0.8
          },
          {
            "id": "rrsp.contribution-room",
            "weight": 1
          }
        ]
      },
      {
        "value": "RRSP room",
        "language": "en",
        "role": "search-variant",
        "concepts": [
          {
            "id": "registered-account.rrsp",
            "weight": 0.7
          },
          {
            "id": "rrsp.contribution-room",
            "weight": 1
          }
        ]
      },
      {
        "value": "RRSP contribution",
        "language": "en",
        "role": "related",
        "concepts": [
          {
            "id": "registered-account.rrsp",
            "weight": 0.9
          },
          {
            "id": "rrsp.contribution-room",
            "weight": 0.3
          },
          {
            "id": "rrsp.contribution-tax-savings",
            "weight": 0.45
          }
        ]
      },
      {
        "value": "RRSP deduction limit",
        "language": "en",
        "role": "intent",
        "concepts": [
          {
            "id": "registered-account.rrsp",
            "weight": 0.8
          },
          {
            "id": "rrsp.deduction-limit",
            "weight": 1
          }
        ]
      },
      {
        "value": "droits de cotisation au REER",
        "language": "fr",
        "role": "intent",
        "concepts": [
          {
            "id": "registered-account.rrsp",
            "weight": 0.8
          },
          {
            "id": "rrsp.contribution-room",
            "weight": 1
          }
        ]
      },
      {
        "value": "cotisation REER",
        "language": "fr",
        "role": "related",
        "concepts": [
          {
            "id": "registered-account.rrsp",
            "weight": 0.9
          },
          {
            "id": "rrsp.contribution-room",
            "weight": 0.3
          },
          {
            "id": "rrsp.contribution-tax-savings",
            "weight": 0.45
          }
        ]
      },
      {
        "value": "limite de déduction REER",
        "language": "fr",
        "role": "search-variant",
        "concepts": [
          {
            "id": "registered-account.rrsp",
            "weight": 0.8
          },
          {
            "id": "rrsp.deduction-limit",
            "weight": 0.75
          }
        ]
      },
      {
        "value": "RRSP 供款额度",
        "language": "zh",
        "role": "intent",
        "concepts": [
          {
            "id": "registered-account.rrsp",
            "weight": 0.8
          },
          {
            "id": "rrsp.contribution-room",
            "weight": 1
          }
        ]
      },
      {
        "value": "RRSP 扣除限额",
        "language": "zh",
        "role": "intent",
        "concepts": [
          {
            "id": "registered-account.rrsp",
            "weight": 0.8
          },
          {
            "id": "rrsp.deduction-limit",
            "weight": 1
          }
        ]
      },
      {
        "value": "RRSP 供款",
        "language": "zh",
        "role": "related",
        "concepts": [
          {
            "id": "registered-account.rrsp",
            "weight": 0.9
          },
          {
            "id": "rrsp.contribution-room",
            "weight": 0.3
          },
          {
            "id": "rrsp.contribution-tax-savings",
            "weight": 0.45
          }
        ]
      },
      {
        "value": "retirement savings",
        "language": "en",
        "role": "related",
        "concepts": [
          {
            "id": "planning.retirement-savings",
            "weight": 1
          },
          {
            "id": "registered-account.rrsp",
            "weight": 0.4
          },
          {
            "id": "registered-account.tfsa",
            "weight": 0.35
          }
        ]
      },
      {
        "value": "épargne-retraite",
        "language": "fr",
        "role": "related",
        "concepts": [
          {
            "id": "planning.retirement-savings",
            "weight": 1
          },
          {
            "id": "registered-account.rrsp",
            "weight": 0.4
          },
          {
            "id": "registered-account.tfsa",
            "weight": 0.35
          }
        ]
      },
      {
        "value": "退休储蓄",
        "language": "zh",
        "role": "related",
        "concepts": [
          {
            "id": "planning.retirement-savings",
            "weight": 1
          },
          {
            "id": "registered-account.rrsp",
            "weight": 0.4
          },
          {
            "id": "registered-account.tfsa",
            "weight": 0.35
          }
        ]
      },
      {
        "value": "TFSA",
        "language": "und",
        "role": "acronym",
        "concepts": [
          {
            "id": "registered-account.tfsa",
            "weight": 1
          }
        ]
      },
      {
        "value": "CELI",
        "language": "fr",
        "role": "equivalent",
        "concepts": [
          {
            "id": "registered-account.tfsa",
            "weight": 1
          }
        ]
      },
      {
        "value": "RRIF",
        "language": "und",
        "role": "acronym",
        "concepts": [
          {
            "id": "registered-account.rrif",
            "weight": 1
          }
        ]
      },
      {
        "value": "FERR",
        "language": "fr",
        "role": "equivalent",
        "concepts": [
          {
            "id": "registered-account.rrif",
            "weight": 1
          }
        ]
      },
      {
        "value": "RRIF minimum withdrawal",
        "language": "en",
        "role": "intent",
        "concepts": [
          {
            "id": "registered-account.rrif",
            "weight": 0.8
          },
          {
            "id": "rrif.minimum-withdrawal",
            "weight": 1
          }
        ]
      },
      {
        "value": "retrait minimum d’un FERR",
        "language": "fr",
        "role": "intent",
        "concepts": [
          {
            "id": "registered-account.rrif",
            "weight": 0.8
          },
          {
            "id": "rrif.minimum-withdrawal",
            "weight": 1
          }
        ]
      },
      {
        "value": "RRIF 最低提款额",
        "language": "zh",
        "role": "intent",
        "concepts": [
          {
            "id": "registered-account.rrif",
            "weight": 0.8
          },
          {
            "id": "rrif.minimum-withdrawal",
            "weight": 1
          }
        ]
      },
      {
        "value": "cash flow",
        "language": "en",
        "role": "concept",
        "concepts": [
          {
            "id": "planning.cash-flow",
            "weight": 1
          }
        ]
      },
      {
        "value": "flux de trésorerie",
        "language": "fr",
        "role": "concept",
        "concepts": [
          {
            "id": "planning.cash-flow",
            "weight": 1
          }
        ]
      },
      {
        "value": "现金流",
        "language": "zh",
        "role": "concept",
        "concepts": [
          {
            "id": "planning.cash-flow",
            "weight": 1
          }
        ]
      },
      {
        "value": "mortgage",
        "language": "en",
        "role": "concept",
        "concepts": [
          {
            "id": "borrowing.mortgage",
            "weight": 1
          }
        ]
      },
      {
        "value": "hypothèque",
        "language": "fr",
        "role": "concept",
        "concepts": [
          {
            "id": "borrowing.mortgage",
            "weight": 1
          }
        ]
      },
      {
        "value": "房贷",
        "language": "zh",
        "role": "concept",
        "concepts": [
          {
            "id": "borrowing.mortgage",
            "weight": 1
          }
        ]
      },
      {
        "value": "房屋贷款",
        "language": "zh",
        "role": "equivalent",
        "concepts": [
          {
            "id": "borrowing.mortgage",
            "weight": 0.95
          }
        ]
      },
      {
        "value": "prepayment",
        "language": "en",
        "role": "search-variant",
        "concepts": [
          {
            "id": "borrowing.mortgage",
            "weight": 0.65
          },
          {
            "id": "mortgage.prepayment",
            "weight": 0.9
          }
        ]
      },
      {
        "value": "remboursement anticipé",
        "language": "fr",
        "role": "search-variant",
        "concepts": [
          {
            "id": "borrowing.mortgage",
            "weight": 0.65
          },
          {
            "id": "mortgage.prepayment",
            "weight": 0.9
          }
        ]
      },
      {
        "value": "提前还款",
        "language": "zh",
        "role": "search-variant",
        "concepts": [
          {
            "id": "borrowing.mortgage",
            "weight": 0.65
          },
          {
            "id": "mortgage.prepayment",
            "weight": 0.85
          }
        ]
      },
      {
        "value": "refinance",
        "language": "en",
        "role": "related",
        "concepts": [
          {
            "id": "borrowing.mortgage",
            "weight": 0.35
          },
          {
            "id": "mortgage.refinancing",
            "weight": 0.7
          }
        ]
      },
      {
        "value": "refinancing",
        "language": "en",
        "role": "related",
        "concepts": [
          {
            "id": "borrowing.mortgage",
            "weight": 0.35
          },
          {
            "id": "mortgage.refinancing",
            "weight": 0.7
          }
        ]
      },
      {
        "value": "refinancement",
        "language": "fr",
        "role": "related",
        "concepts": [
          {
            "id": "borrowing.mortgage",
            "weight": 0.35
          },
          {
            "id": "mortgage.refinancing",
            "weight": 0.7
          }
        ]
      },
      {
        "value": "再融资",
        "language": "zh",
        "role": "related",
        "concepts": [
          {
            "id": "borrowing.mortgage",
            "weight": 0.35
          },
          {
            "id": "mortgage.refinancing",
            "weight": 0.7
          }
        ]
      },
      {
        "value": "registered retirement savings plan",
        "language": "en",
        "role": "equivalent",
        "concepts": [
          {
            "id": "registered-account.rrsp",
            "weight": 1
          }
        ]
      },
      {
        "value": "régime enregistré d’épargne-retraite",
        "language": "fr",
        "role": "equivalent",
        "concepts": [
          {
            "id": "registered-account.rrsp",
            "weight": 1
          }
        ]
      },
      {
        "value": "注册退休储蓄计划",
        "language": "zh",
        "role": "equivalent",
        "concepts": [
          {
            "id": "registered-account.rrsp",
            "weight": 1
          }
        ]
      },
      {
        "value": "注册退休储蓄账户",
        "language": "zh",
        "role": "search-variant",
        "concepts": [
          {
            "id": "planning.retirement-savings",
            "weight": 0.35
          },
          {
            "id": "registered-account.rrsp",
            "weight": 0.95
          }
        ]
      },
      {
        "value": "注册退休储蓄",
        "language": "zh",
        "role": "search-variant",
        "concepts": [
          {
            "id": "planning.retirement-savings",
            "weight": 0.45
          },
          {
            "id": "registered-account.rrsp",
            "weight": 0.9
          }
        ]
      },
      {
        "value": "退休储蓄账户",
        "language": "zh",
        "role": "related",
        "concepts": [
          {
            "id": "planning.retirement-savings",
            "weight": 1
          },
          {
            "id": "registered-account.rrsp",
            "weight": 0.55
          },
          {
            "id": "registered-account.tfsa",
            "weight": 0.25
          }
        ]
      },
      {
        "value": "RRSP额度",
        "language": "zh",
        "role": "search-variant",
        "concepts": [
          {
            "id": "registered-account.rrsp",
            "weight": 0.75
          },
          {
            "id": "rrsp.contribution-room",
            "weight": 0.9
          }
        ]
      },
      {
        "value": "RRSP 额度",
        "language": "zh",
        "role": "search-variant",
        "concepts": [
          {
            "id": "registered-account.rrsp",
            "weight": 0.75
          },
          {
            "id": "rrsp.contribution-room",
            "weight": 0.9
          }
        ]
      },
      {
        "value": "RRSP供款额度",
        "language": "zh",
        "role": "intent",
        "concepts": [
          {
            "id": "registered-account.rrsp",
            "weight": 0.8
          },
          {
            "id": "rrsp.contribution-room",
            "weight": 1
          }
        ]
      },
      {
        "value": "RRSP 还能存多少",
        "language": "zh",
        "role": "search-variant",
        "concepts": [
          {
            "id": "registered-account.rrsp",
            "weight": 0.7
          },
          {
            "id": "rrsp.contribution-room",
            "weight": 0.9
          }
        ]
      },
      {
        "value": "how much can I put in my RRSP",
        "language": "en",
        "role": "search-variant",
        "concepts": [
          {
            "id": "registered-account.rrsp",
            "weight": 0.7
          },
          {
            "id": "rrsp.contribution-room",
            "weight": 0.9
          }
        ]
      },
      {
        "value": "combien cotiser au REER",
        "language": "fr",
        "role": "search-variant",
        "concepts": [
          {
            "id": "registered-account.rrsp",
            "weight": 0.7
          },
          {
            "id": "rrsp.contribution-room",
            "weight": 0.85
          }
        ]
      },
      {
        "value": "RRSP tax savings",
        "language": "en",
        "role": "intent",
        "concepts": [
          {
            "id": "registered-account.rrsp",
            "weight": 0.75
          },
          {
            "id": "rrsp.contribution-tax-savings",
            "weight": 1
          }
        ]
      },
      {
        "value": "RRSP tax refund",
        "language": "en",
        "role": "related",
        "concepts": [
          {
            "id": "registered-account.rrsp",
            "weight": 0.65
          },
          {
            "id": "rrsp.contribution-tax-savings",
            "weight": 0.65
          }
        ]
      },
      {
        "value": "RRSP退税",
        "language": "zh",
        "role": "related",
        "concepts": [
          {
            "id": "registered-account.rrsp",
            "weight": 0.55
          },
          {
            "id": "rrsp.contribution-tax-savings",
            "weight": 0.75
          }
        ]
      },
      {
        "value": "RRSP 退税",
        "language": "zh",
        "role": "related",
        "concepts": [
          {
            "id": "registered-account.rrsp",
            "weight": 0.55
          },
          {
            "id": "rrsp.contribution-tax-savings",
            "weight": 0.75
          }
        ]
      },
      {
        "value": "économie d’impôt REER",
        "language": "fr",
        "role": "intent",
        "concepts": [
          {
            "id": "registered-account.rrsp",
            "weight": 0.75
          },
          {
            "id": "rrsp.contribution-tax-savings",
            "weight": 1
          }
        ]
      },
      {
        "value": "RRSP节税",
        "language": "zh",
        "role": "intent",
        "concepts": [
          {
            "id": "registered-account.rrsp",
            "weight": 0.75
          },
          {
            "id": "rrsp.contribution-tax-savings",
            "weight": 1
          }
        ]
      },
      {
        "value": "RRSP 节税",
        "language": "zh",
        "role": "intent",
        "concepts": [
          {
            "id": "registered-account.rrsp",
            "weight": 0.75
          },
          {
            "id": "rrsp.contribution-tax-savings",
            "weight": 1
          }
        ]
      },
      {
        "value": "RRSP供款节税",
        "language": "zh",
        "role": "intent",
        "concepts": [
          {
            "id": "registered-account.rrsp",
            "weight": 0.75
          },
          {
            "id": "rrsp.contribution-tax-savings",
            "weight": 1
          }
        ]
      },
      {
        "value": "RRSP 供款节税",
        "language": "zh",
        "role": "intent",
        "concepts": [
          {
            "id": "registered-account.rrsp",
            "weight": 0.75
          },
          {
            "id": "rrsp.contribution-tax-savings",
            "weight": 1
          }
        ]
      },
      {
        "value": "tax-free savings account",
        "language": "en",
        "role": "equivalent",
        "concepts": [
          {
            "id": "registered-account.tfsa",
            "weight": 1
          }
        ]
      },
      {
        "value": "compte d’épargne libre d’impôt",
        "language": "fr",
        "role": "equivalent",
        "concepts": [
          {
            "id": "registered-account.tfsa",
            "weight": 1
          }
        ]
      },
      {
        "value": "免税储蓄账户",
        "language": "zh",
        "role": "equivalent",
        "concepts": [
          {
            "id": "registered-account.tfsa",
            "weight": 1
          }
        ]
      },
      {
        "value": "免税储蓄",
        "language": "zh",
        "role": "search-variant",
        "concepts": [
          {
            "id": "planning.retirement-savings",
            "weight": 0.25
          },
          {
            "id": "registered-account.tfsa",
            "weight": 0.85
          }
        ]
      },
      {
        "value": "TFSA contribution room",
        "language": "en",
        "role": "intent",
        "concepts": [
          {
            "id": "registered-account.tfsa",
            "weight": 0.8
          },
          {
            "id": "tfsa.contribution-room",
            "weight": 1
          }
        ]
      },
      {
        "value": "TFSA room",
        "language": "en",
        "role": "search-variant",
        "concepts": [
          {
            "id": "registered-account.tfsa",
            "weight": 0.75
          },
          {
            "id": "tfsa.contribution-room",
            "weight": 1
          }
        ]
      },
      {
        "value": "droits de cotisation au CELI",
        "language": "fr",
        "role": "intent",
        "concepts": [
          {
            "id": "registered-account.tfsa",
            "weight": 0.8
          },
          {
            "id": "tfsa.contribution-room",
            "weight": 1
          }
        ]
      },
      {
        "value": "TFSA额度",
        "language": "zh",
        "role": "search-variant",
        "concepts": [
          {
            "id": "registered-account.tfsa",
            "weight": 0.75
          },
          {
            "id": "tfsa.contribution-room",
            "weight": 0.9
          }
        ]
      },
      {
        "value": "TFSA 额度",
        "language": "zh",
        "role": "search-variant",
        "concepts": [
          {
            "id": "registered-account.tfsa",
            "weight": 0.75
          },
          {
            "id": "tfsa.contribution-room",
            "weight": 0.9
          }
        ]
      },
      {
        "value": "TFSA供款额度",
        "language": "zh",
        "role": "intent",
        "concepts": [
          {
            "id": "registered-account.tfsa",
            "weight": 0.8
          },
          {
            "id": "tfsa.contribution-room",
            "weight": 1
          }
        ]
      },
      {
        "value": "TFSA 供款额度",
        "language": "zh",
        "role": "intent",
        "concepts": [
          {
            "id": "registered-account.tfsa",
            "weight": 0.8
          },
          {
            "id": "tfsa.contribution-room",
            "weight": 1
          }
        ]
      },
      {
        "value": "registered retirement income fund",
        "language": "en",
        "role": "equivalent",
        "concepts": [
          {
            "id": "registered-account.rrif",
            "weight": 1
          }
        ]
      },
      {
        "value": "fonds enregistré de revenu de retraite",
        "language": "fr",
        "role": "equivalent",
        "concepts": [
          {
            "id": "registered-account.rrif",
            "weight": 1
          }
        ]
      },
      {
        "value": "注册退休收入基金",
        "language": "zh",
        "role": "equivalent",
        "concepts": [
          {
            "id": "registered-account.rrif",
            "weight": 1
          }
        ]
      },
      {
        "value": "RRSP转RRIF",
        "language": "zh",
        "role": "intent",
        "concepts": [
          {
            "id": "registered-account.rrif",
            "weight": 1
          },
          {
            "id": "registered-account.rrsp",
            "weight": 0.65
          }
        ]
      },
      {
        "value": "RRSP 转 RRIF",
        "language": "zh",
        "role": "intent",
        "concepts": [
          {
            "id": "registered-account.rrif",
            "weight": 1
          },
          {
            "id": "registered-account.rrsp",
            "weight": 0.65
          }
        ]
      },
      {
        "value": "saving for retirement",
        "language": "en",
        "role": "related",
        "concepts": [
          {
            "id": "planning.retirement-savings",
            "weight": 0.9
          }
        ]
      },
      {
        "value": "épargner pour la retraite",
        "language": "fr",
        "role": "related",
        "concepts": [
          {
            "id": "planning.retirement-savings",
            "weight": 0.9
          }
        ]
      },
      {
        "value": "为退休储蓄",
        "language": "zh",
        "role": "related",
        "concepts": [
          {
            "id": "planning.retirement-savings",
            "weight": 0.9
          }
        ]
      },
      {
        "value": "养老储蓄",
        "language": "zh",
        "role": "related",
        "concepts": [
          {
            "id": "planning.retirement-savings",
            "weight": 0.8
          }
        ]
      },
      {
        "value": "registered accounts",
        "language": "en",
        "role": "related",
        "concepts": [
          {
            "id": "registered-plan.canadian",
            "weight": 1
          }
        ]
      },
      {
        "value": "registered plans",
        "language": "en",
        "role": "related",
        "concepts": [
          {
            "id": "registered-plan.canadian",
            "weight": 1
          }
        ]
      },
      {
        "value": "comptes enregistrés",
        "language": "fr",
        "role": "related",
        "concepts": [
          {
            "id": "registered-plan.canadian",
            "weight": 1
          }
        ]
      },
      {
        "value": "régimes enregistrés",
        "language": "fr",
        "role": "related",
        "concepts": [
          {
            "id": "registered-plan.canadian",
            "weight": 1
          }
        ]
      },
      {
        "value": "注册账户",
        "language": "zh",
        "role": "related",
        "concepts": [
          {
            "id": "registered-plan.canadian",
            "weight": 1
          }
        ]
      },
      {
        "value": "注册计划",
        "language": "zh",
        "role": "related",
        "concepts": [
          {
            "id": "registered-plan.canadian",
            "weight": 0.9
          }
        ]
      },
      {
        "value": "RESP",
        "language": "und",
        "role": "acronym",
        "concepts": [
          {
            "id": "registered-account.resp",
            "weight": 1
          }
        ]
      },
      {
        "value": "REEE",
        "language": "fr",
        "role": "equivalent",
        "concepts": [
          {
            "id": "registered-account.resp",
            "weight": 1
          }
        ]
      },
      {
        "value": "registered education savings plan",
        "language": "en",
        "role": "equivalent",
        "concepts": [
          {
            "id": "registered-account.resp",
            "weight": 1
          }
        ]
      },
      {
        "value": "régime enregistré d’épargne-études",
        "language": "fr",
        "role": "equivalent",
        "concepts": [
          {
            "id": "registered-account.resp",
            "weight": 1
          }
        ]
      },
      {
        "value": "注册教育储蓄计划",
        "language": "zh",
        "role": "equivalent",
        "concepts": [
          {
            "id": "registered-account.resp",
            "weight": 1
          }
        ]
      },
      {
        "value": "mortgage prepayment",
        "language": "en",
        "role": "intent",
        "concepts": [
          {
            "id": "borrowing.mortgage",
            "weight": 0.7
          },
          {
            "id": "mortgage.prepayment",
            "weight": 1
          }
        ]
      },
      {
        "value": "提前还贷",
        "language": "zh",
        "role": "intent",
        "concepts": [
          {
            "id": "borrowing.mortgage",
            "weight": 0.65
          },
          {
            "id": "mortgage.prepayment",
            "weight": 0.95
          }
        ]
      },
      {
        "value": "房贷提前还款",
        "language": "zh",
        "role": "intent",
        "concepts": [
          {
            "id": "borrowing.mortgage",
            "weight": 0.75
          },
          {
            "id": "mortgage.prepayment",
            "weight": 1
          }
        ]
      },
      {
        "value": "房贷提前还",
        "language": "zh",
        "role": "search-variant",
        "concepts": [
          {
            "id": "borrowing.mortgage",
            "weight": 0.7
          },
          {
            "id": "mortgage.prepayment",
            "weight": 0.85
          }
        ]
      },
      {
        "value": "mortgage refinancing",
        "language": "en",
        "role": "intent",
        "concepts": [
          {
            "id": "borrowing.mortgage",
            "weight": 0.7
          },
          {
            "id": "mortgage.refinancing",
            "weight": 1
          }
        ]
      },
      {
        "value": "refinancement hypothécaire",
        "language": "fr",
        "role": "intent",
        "concepts": [
          {
            "id": "borrowing.mortgage",
            "weight": 0.7
          },
          {
            "id": "mortgage.refinancing",
            "weight": 1
          }
        ]
      },
      {
        "value": "房贷再融资",
        "language": "zh",
        "role": "intent",
        "concepts": [
          {
            "id": "borrowing.mortgage",
            "weight": 0.75
          },
          {
            "id": "mortgage.refinancing",
            "weight": 1
          }
        ]
      },
      {
        "value": "房贷再融",
        "language": "zh",
        "role": "search-variant",
        "concepts": [
          {
            "id": "borrowing.mortgage",
            "weight": 0.7
          },
          {
            "id": "mortgage.refinancing",
            "weight": 0.85
          }
        ]
      },
      {
        "value": "monthly cash flow",
        "language": "en",
        "role": "related",
        "concepts": [
          {
            "id": "planning.cash-flow",
            "weight": 0.9
          }
        ]
      },
      {
        "value": "revenus et dépenses",
        "language": "fr",
        "role": "related",
        "concepts": [
          {
            "id": "planning.cash-flow",
            "weight": 0.75
          }
        ]
      },
      {
        "value": "每月收支",
        "language": "zh",
        "role": "related",
        "concepts": [
          {
            "id": "planning.cash-flow",
            "weight": 0.9
          }
        ]
      },
      {
        "value": "收入支出",
        "language": "zh",
        "role": "related",
        "concepts": [
          {
            "id": "planning.cash-flow",
            "weight": 0.75
          }
        ]
      }
    ]
  },
  "records": [
    {
      "id": "calculator:activity-ratios",
      "type": "calculator",
      "concepts": [],
      "retrievalTerms": [
        {
          "value": "activity ratios",
          "language": "en",
          "role": "intent",
          "weight": 0.95
        },
        {
          "value": "Analyze selected activity and efficiency ratios from user-entered income statement and balance sheet amounts.",
          "language": "en",
          "role": "intent",
          "weight": 0.65
        },
        {
          "value": "asset turnover",
          "language": "en",
          "role": "intent",
          "weight": 0.95
        },
        {
          "value": "days sales outstanding",
          "language": "en",
          "role": "intent",
          "weight": 0.95
        },
        {
          "value": "DSO",
          "language": "en",
          "role": "intent",
          "weight": 0.95
        },
        {
          "value": "inventory turnover",
          "language": "en",
          "role": "intent",
          "weight": 0.95
        },
        {
          "value": "receivables turnover",
          "language": "en",
          "role": "intent",
          "weight": 0.95
        },
        {
          "value": "Activity Ratios Calculator",
          "language": "en",
          "role": "name",
          "weight": 1
        },
        {
          "value": "Estimate inventory turnover, receivables turnover, days sales outstanding, and asset turnover from entered statement amounts.",
          "language": "en",
          "role": "supporting",
          "weight": 0.45
        },
        {
          "value": "accounting",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "activity ratios",
          "language": "en",
          "role": "topic",
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        },
        {
          "value": "asset turnover",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "assets",
          "language": "en",
          "role": "topic",
          "weight": 0.45
        },
        {
          "value": "cash-flow",
          "language": "en",
          "role": "topic",
          "weight": 0.45
        },
        {
          "value": "core-math-financial-foundations",
          "language": "en",
          "role": "topic",
          "weight": 0.45
        },
        {
          "value": "DSO",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "financial statement analysis",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "inventory turnover",
          "language": "en",
          "role": "topic",
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        },
        {
          "value": "receivables turnover",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        }
      ],
      "versions": {
        "en": {
          "language": "en",
          "title": "Activity Ratios Calculator",
          "description": "Free activity ratios calculator from OpenBook Planning. Estimate inventory turnover, receivables turnover, days sales outstanding, and asset turnover.",
          "url": "/calculators/activity-ratios/",
          "category": "core-math-financial-foundations",
          "pillar": "cash-flow"
        },
        "fr": {
          "language": "fr",
          "title": "Calculateur de ratios d’activité",
          "description": "Calculateur gratuit de ratios d’activité d’OpenBook Planning. Estimez la rotation des stocks, la rotation des créances, le délai moyen de recouvrement et la rotation de l’actif.",
          "url": "/fr/calculators/activity-ratios/",
          "category": "core-math-financial-foundations",
          "pillar": "cash-flow"
        },
        "zh": {
          "language": "zh",
          "title": "营运效率比率计算器",
          "description": "根据收入、销售成本和期末余额，估算存货周转率、应收账款周转率、应收账款回收天数和总资产周转率。",
          "url": "/zh/calculators/activity-ratios/",
          "category": "core-math-financial-foundations",
          "pillar": "cash-flow"
        }
      }
    },
    {
      "id": "calculator:after-tax-return",
      "type": "calculator",
      "concepts": [],
      "retrievalTerms": [
        {
          "value": "after tax return",
          "language": "en",
          "role": "intent",
          "weight": 0.95
        },
        {
          "value": "Estimate how a simplified annual tax cost on returns changes projected investment value.",
          "language": "en",
          "role": "intent",
          "weight": 0.65
        },
        {
          "value": "investment return",
          "language": "en",
          "role": "intent",
          "weight": 0.95
        },
        {
          "value": "tax cost",
          "language": "en",
          "role": "intent",
          "weight": 0.95
        },
        {
          "value": "After-Tax Return Calculator",
          "language": "en",
          "role": "name",
          "weight": 1
        },
        {
          "value": "Compare pre-tax and simplified after-tax investment growth.",
          "language": "en",
          "role": "supporting",
          "weight": 0.45
        },
        {
          "value": "after tax return",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "cash-flow",
          "language": "en",
          "role": "topic",
          "weight": 0.45
        },
        {
          "value": "investment return",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "investment-growth-portfolio-modeling",
          "language": "en",
          "role": "topic",
          "weight": 0.45
        },
        {
          "value": "tax cost",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        }
      ],
      "versions": {
        "en": {
          "language": "en",
          "title": "After-Tax Return Calculator",
          "description": "Free after-tax return calculator from OpenBook Planning. Compare pre-tax and simplified after-tax investment growth.",
          "url": "/calculators/after-tax-return/",
          "category": "investment-growth-portfolio-modeling",
          "pillar": "cash-flow"
        },
        "fr": {
          "language": "fr",
          "title": "Calculateur de rendement après impôt",
          "description": "Calculateur gratuit du rendement après impôt d’OpenBook Planning. Comparez la croissance avant impôt et la croissance après impôt simplifiée d’un placement.",
          "url": "/fr/calculators/after-tax-return/",
          "category": "investment-growth-portfolio-modeling",
          "pillar": "cash-flow"
        },
        "zh": {
          "language": "zh",
          "title": "税后投资回报计算器",
          "description": "假设每年有一定比例的投资回报用于缴税，比较计入及不计入这项税务影响时的期末投资价值。",
          "url": "/zh/calculators/after-tax-return/",
          "category": "investment-growth-portfolio-modeling",
          "pillar": "cash-flow"
        }
      }
    },
    {
      "id": "calculator:asset-mix",
      "type": "calculator",
      "concepts": [],
      "retrievalTerms": [
        {
          "value": "asset mix",
          "language": "en",
          "role": "intent",
          "weight": 0.95
        },
        {
          "value": "Estimate a simple weighted portfolio return from asset-class weights and return assumptions.",
          "language": "en",
          "role": "intent",
          "weight": 0.65
        },
        {
          "value": "portfolio",
          "language": "en",
          "role": "intent",
          "weight": 0.95
        },
        {
          "value": "portfolio return",
          "language": "en",
          "role": "intent",
          "weight": 0.95
        },
        {
          "value": "real return",
          "language": "en",
          "role": "intent",
          "weight": 0.95
        },
        {
          "value": "return assumption",
          "language": "en",
          "role": "intent",
          "weight": 0.95
        },
        {
          "value": "weighted return",
          "language": "en",
          "role": "intent",
          "weight": 0.95
        },
        {
          "value": "Asset Mix Return Calculator",
          "language": "en",
          "role": "name",
          "weight": 1
        },
        {
          "value": "Estimate weighted nominal and real return from a portfolio asset mix.",
          "language": "en",
          "role": "supporting",
          "weight": 0.45
        },
        {
          "value": "asset mix",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "cash-flow",
          "language": "en",
          "role": "topic",
          "weight": 0.45
        },
        {
          "value": "investment-growth-portfolio-modeling",
          "language": "en",
          "role": "topic",
          "weight": 0.45
        },
        {
          "value": "portfolio",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "portfolio return",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "real return",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "return assumption",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "weighted return",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        }
      ],
      "versions": {
        "en": {
          "language": "en",
          "title": "Asset Mix Return Calculator",
          "description": "Free asset mix return calculator from OpenBook Planning. Estimate weighted nominal and real return from an asset mix.",
          "url": "/calculators/asset-mix/",
          "category": "investment-growth-portfolio-modeling",
          "pillar": "cash-flow"
        },
        "fr": {
          "language": "fr",
          "title": "Calculateur de rendement de répartition d’actifs",
          "description": "Calculateur gratuit de rendement de répartition d’actifs d’OpenBook Planning. Estimez le rendement nominal et réel pondéré d’une composition d’actifs.",
          "url": "/fr/calculators/asset-mix/",
          "category": "investment-growth-portfolio-modeling",
          "pillar": "cash-flow"
        },
        "zh": {
          "language": "zh",
          "title": "资产配置回报率计算器",
          "description": "按各类资产的投资比例和年回报率假设，估算投资组合的名义回报率及扣除通胀影响后的实际回报率。",
          "url": "/zh/calculators/asset-mix/",
          "category": "investment-growth-portfolio-modeling",
          "pillar": "cash-flow"
        }
      }
    },
    {
      "id": "calculator:bond-duration",
      "type": "calculator",
      "concepts": [],
      "retrievalTerms": [
        {
          "value": "bond duration",
          "language": "en",
          "role": "intent",
          "weight": 0.95
        },
        {
          "value": "bond price sensitivity",
          "language": "en",
          "role": "intent",
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        },
        {
          "value": "DV01",
          "language": "en",
          "role": "intent",
          "weight": 0.95
        },
        {
          "value": "Estimate textbook duration and basic price sensitivity from one set of bond cash-flow assumptions.",
          "language": "en",
          "role": "intent",
          "weight": 0.65
        },
        {
          "value": "Macaulay duration",
          "language": "en",
          "role": "intent",
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          "value": "modified duration",
          "language": "en",
          "role": "intent",
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        },
        {
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          "role": "name",
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        },
        {
          "value": "Estimate Macaulay duration, modified duration, DV01, and model price for a plain fixed-coupon bond.",
          "language": "en",
          "role": "supporting",
          "weight": 0.45
        },
        {
          "value": "assets",
          "language": "en",
          "role": "topic",
          "weight": 0.45
        },
        {
          "value": "bond duration",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
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          "language": "en",
          "role": "topic",
          "weight": 0.45
        },
        {
          "value": "DV01",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "finance formula",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "fixed income",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "investment-growth-portfolio-modeling",
          "language": "en",
          "role": "topic",
          "weight": 0.45
        },
        {
          "value": "Macaulay duration",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "modified duration",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        }
      ],
      "versions": {
        "en": {
          "language": "en",
          "title": "Bond Duration Calculator",
          "description": "Free bond duration calculator from OpenBook Planning. Estimate Macaulay duration, modified duration, DV01, and model bond price for a plain fixed-coupon bond.",
          "url": "/calculators/bond-duration/",
          "category": "investment-growth-portfolio-modeling",
          "pillar": "assets"
        },
        "fr": {
          "language": "fr",
          "title": "Calculateur de duration d’une obligation",
          "description": "Calculateur gratuit de duration d’une obligation d’OpenBook Planning. Estimez la duration de Macaulay, la duration modifiée, le DV01 et le prix modélisé d’une obligation à coupon fixe simple.",
          "url": "/fr/calculators/bond-duration/",
          "category": "investment-growth-portfolio-modeling",
          "pillar": "assets"
        },
        "zh": {
          "language": "zh",
          "title": "债券久期计算器",
          "description": "OpenBook Planning 的免费债券久期计算器。估算普通固定票息债券的麦考利久期、修正久期、DV01和债券价格。",
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          "category": "investment-growth-portfolio-modeling",
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          "title": "Calculateur du prix d’une obligation",
          "description": "Calculateur gratuit du prix d’une obligation d’OpenBook Planning. Estimez le prix d’une obligation simple à partir de la valeur nominale, du taux du coupon, du rendement du marché, des années jusqu’à l’échéance et de la fréquence des coupons.",
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          "pillar": "assets"
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          "language": "zh",
          "title": "债券价格计算器",
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          "title": "Calculateur du rendement d’une obligation",
          "description": "Calculateur gratuit du rendement d’une obligation d’OpenBook Planning. Estimez le rendement courant, le rendement approximatif à l’échéance et le rendement à l’échéance résolu d’une obligation à coupon fixe simple.",
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          "pillar": "assets"
        },
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          "language": "zh",
          "title": "债券收益率计算器",
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          "category": "investment-growth-portfolio-modeling",
          "pillar": "assets"
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          "title": "Calculateur d'emprunt pour investir",
          "description": "Estimez un écart après impôt simplifié pour un scénario d'emprunt pour investir, avec un avantage fiscal lié aux intérêts déductibles fondé sur le revenu imposable ou un taux marginal saisi.",
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          "language": "zh",
          "title": "借款投资计算器",
          "description": "估算借款投资情景下的简化税后差额；可用应税收入或输入的边际税率估算可扣除利息的税务利益。",
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          "title": "Calculateur du seuil de rentabilité",
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          "language": "zh",
          "title": "盈亏平衡计算器",
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          "value": "growth rate",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "investment return",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "investment-growth-portfolio-modeling",
          "language": "en",
          "role": "topic",
          "weight": 0.45
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        {
          "value": "return calculator",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "total return",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        }
      ],
      "versions": {
        "en": {
          "language": "en",
          "title": "CAGR Calculator",
          "description": "Free CAGR calculator from OpenBook Planning. Estimate compound annual growth rate, total return, dollar change, and growth multiple from beginning and ending values.",
          "url": "/calculators/cagr/",
          "category": "investment-growth-portfolio-modeling",
          "pillar": "assets"
        },
        "fr": {
          "language": "fr",
          "title": "Calculateur de TCAC",
          "description": "Calculateur gratuit de TCAC d’OpenBook Planning. Estimez le taux de croissance annuel composé, le rendement total, la variation en dollars et le multiple de croissance à partir de valeurs initiale et finale.",
          "url": "/fr/calculators/cagr/",
          "category": "investment-growth-portfolio-modeling",
          "pillar": "assets"
        },
        "zh": {
          "language": "zh",
          "title": "复合年增长率计算器",
          "description": "OpenBook Planning 免费 CAGR 计算器。根据期初价值、期末价值和持有期间，估算复合年增长率、总回报、金额变化和增长倍数。",
          "url": "/zh/calculators/cagr/",
          "category": "investment-growth-portfolio-modeling",
          "pillar": "assets"
        }
      }
    },
    {
      "id": "calculator:eligible-dividend-tax",
      "type": "calculator",
      "concepts": [],
      "retrievalTerms": [
        {
          "value": "Dividend income planning",
          "language": "en",
          "role": "intent",
          "weight": 0.65
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        {
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          "language": "en",
          "role": "intent",
          "weight": 0.65
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        {
          "value": "Tax estimates",
          "language": "en",
          "role": "intent",
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        },
        {
          "value": "Canadian Dividend Tax Estimator",
          "language": "en",
          "role": "name",
          "weight": 1
        },
        {
          "value": "Estimate taxable income and tax effects from eligible or non-eligible Canadian dividend assumptions.",
          "language": "en",
          "role": "supporting",
          "weight": 0.45
        },
        {
          "value": "assets",
          "language": "en",
          "role": "topic",
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        {
          "value": "Canadian dividends",
          "language": "en",
          "role": "topic",
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        {
          "value": "cash-flow",
          "language": "en",
          "role": "topic",
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        {
          "value": "credit",
          "language": "en",
          "role": "topic",
          "weight": 0.7
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        {
          "value": "eligible dividends",
          "language": "en",
          "role": "topic",
          "weight": 0.7
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        {
          "value": "gross-up",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "income",
          "language": "en",
          "role": "topic",
          "weight": 0.7
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        {
          "value": "non-eligible dividends",
          "language": "en",
          "role": "topic",
          "weight": 0.7
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        {
          "value": "tax",
          "language": "en",
          "role": "topic",
          "weight": 0.7
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        {
          "value": "tax-optimization",
          "language": "en",
          "role": "topic",
          "weight": 0.45
        },
        {
          "value": "tax-planning",
          "language": "en",
          "role": "topic",
          "weight": 0.45
        }
      ],
      "versions": {
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          "language": "en",
          "title": "Canadian Dividend Tax Estimator",
          "description": "Canadian dividend tax estimator for eligible and non-eligible dividends using gross-up and dividend tax credit assumptions.",
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          "category": "tax-planning",
          "pillar": "tax-optimization"
        },
        "fr": {
          "language": "fr",
          "title": "Estimateur d'impôt sur les dividendes",
          "description": "Estimateur d'impôt sur les dividendes canadiens admissibles et non admissibles utilisant les hypothèses de majoration et de crédit d'impôt pour dividendes.",
          "url": "/fr/calculators/eligible-dividend-tax/",
          "category": "tax-planning",
          "pillar": "tax-optimization"
        },
        "zh": {
          "language": "zh",
          "title": "加拿大股息税估算器",
          "description": "加拿大合格与非合格股息税估算器，使用毛收入化和股息税收抵免假设。",
          "url": "/zh/calculators/eligible-dividend-tax/",
          "category": "tax-planning",
          "pillar": "tax-optimization"
        }
      }
    },
    {
      "id": "calculator:capital-gains-tax",
      "type": "calculator",
      "concepts": [],
      "retrievalTerms": [
        {
          "value": "Capital gains planning",
          "language": "en",
          "role": "intent",
          "weight": 0.65
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          "value": "Investment sale estimates",
          "language": "en",
          "role": "intent",
          "weight": 0.65
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        {
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          "language": "en",
          "role": "intent",
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        {
          "value": "Capital Gains Tax Estimator",
          "language": "en",
          "role": "name",
          "weight": 1
        },
        {
          "value": "Estimate the tax effect of a capital gain or the allowable capital loss from a disposition using taxable income, province or territory, and shared tax bracket data.",
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          "role": "supporting",
          "weight": 0.45
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        {
          "value": "assets",
          "language": "en",
          "role": "topic",
          "weight": 0.45
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        {
          "value": "capital gains",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "investment",
          "language": "en",
          "role": "topic",
          "weight": 0.7
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        {
          "value": "sale",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "tax",
          "language": "en",
          "role": "topic",
          "weight": 0.7
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        {
          "value": "tax-optimization",
          "language": "en",
          "role": "topic",
          "weight": 0.45
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        {
          "value": "tax-planning",
          "language": "en",
          "role": "topic",
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        },
        {
          "value": "taxable income",
          "language": "en",
          "role": "topic",
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      ],
      "versions": {
        "en": {
          "language": "en",
          "title": "Capital Gains Tax Estimator",
          "description": "Canadian capital gains and losses estimator using taxable income, province, inclusion-rate assumptions, and OpenBook Planning tax data.",
          "url": "/calculators/capital-gains-tax/",
          "category": "tax-planning",
          "pillar": "tax-optimization"
        },
        "fr": {
          "language": "fr",
          "title": "Estimateur d'impôt sur les gains en capital",
          "description": "Estimateur canadien de gains et pertes en capital utilisant le revenu imposable, la province, les hypothèses de taux d'inclusion et les données fiscales d'OpenBook Planning.",
          "url": "/fr/calculators/capital-gains-tax/",
          "category": "tax-planning",
          "pillar": "tax-optimization"
        },
        "zh": {
          "language": "zh",
          "title": "资本利得税估算器",
          "description": "加拿大资本利得和亏损估算器，使用应税收入、省份、纳入率假设和 OpenBook Planning 税务数据。",
          "url": "/zh/calculators/capital-gains-tax/",
          "category": "tax-planning",
          "pillar": "tax-optimization"
        }
      }
    },
    {
      "id": "calculator:capm-return",
      "type": "calculator",
      "concepts": [],
      "retrievalTerms": [
        {
          "value": "beta return",
          "language": "en",
          "role": "intent",
          "weight": 0.95
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        {
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          "language": "en",
          "role": "intent",
          "weight": 0.95
        },
        {
          "value": "CAPM",
          "language": "en",
          "role": "intent",
          "weight": 0.95
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        {
          "value": "market risk premium",
          "language": "en",
          "role": "intent",
          "weight": 0.95
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        {
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          "language": "en",
          "role": "intent",
          "weight": 0.95
        },
        {
          "value": "Study the capital asset pricing model using one set of return and beta assumptions.",
          "language": "en",
          "role": "intent",
          "weight": 0.65
        },
        {
          "value": "CAPM Return Calculator",
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          "role": "name",
          "weight": 1
        },
        {
          "value": "Estimate a simplified CAPM required return from a risk-free rate, beta, and expected market return.",
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          "role": "supporting",
          "weight": 0.45
        },
        {
          "value": "assets",
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          "role": "topic",
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          "role": "topic",
          "weight": 0.7
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        {
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          "language": "en",
          "role": "topic",
          "weight": 0.7
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          "value": "CAPM",
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          "role": "topic",
          "weight": 0.7
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          "language": "en",
          "role": "topic",
          "weight": 0.7
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        {
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          "language": "en",
          "role": "topic",
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        {
          "value": "market risk premium",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "required return",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "retirement-readiness",
          "language": "en",
          "role": "topic",
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      ],
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          "title": "CAPM Return Calculator",
          "description": "Free CAPM return calculator from OpenBook Planning. Estimate required return from risk-free rate, beta, and expected market return.",
          "url": "/calculators/capm-return/",
          "category": "investment-growth-portfolio-modeling",
          "pillar": "assets"
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        "fr": {
          "language": "fr",
          "title": "Calculateur de rendement CAPM",
          "description": "Calculateur gratuit de rendement CAPM d’OpenBook Planning. Estimez le rendement requis à partir du taux sans risque, du bêta et du rendement attendu du marché.",
          "url": "/fr/calculators/capm-return/",
          "category": "investment-growth-portfolio-modeling",
          "pillar": "assets"
        },
        "zh": {
          "language": "zh",
          "title": "CAPM 回报率计算器",
          "description": "OpenBook Planning 的免费 CAPM 要求回报率计算器。根据无风险利率、贝塔值和预期市场回报率估算要求回报率。",
          "url": "/zh/calculators/capm-return/",
          "category": "investment-growth-portfolio-modeling",
          "pillar": "assets"
        }
      }
    },
    {
      "id": "calculator:cash-buffer",
      "type": "calculator",
      "concepts": [],
      "retrievalTerms": [
        {
          "value": "cash buffer",
          "language": "en",
          "role": "intent",
          "weight": 0.95
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        {
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          "language": "en",
          "role": "intent",
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        {
          "value": "cash reserve target",
          "language": "en",
          "role": "intent",
          "weight": 0.95
        },
        {
          "value": "emergency fund",
          "language": "en",
          "role": "intent",
          "weight": 0.95
        },
        {
          "value": "Estimate a cash buffer target from monthly essential spending and months of coverage.",
          "language": "en",
          "role": "intent",
          "weight": 0.65
        },
        {
          "value": "savings",
          "language": "en",
          "role": "intent",
          "weight": 0.95
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        {
          "value": "simple emergency buffer",
          "language": "en",
          "role": "intent",
          "weight": 0.95
        },
        {
          "value": "Cash Buffer Calculator",
          "language": "en",
          "role": "name",
          "weight": 1
        },
        {
          "value": "Estimate a simple short-term cash reserve target and gap from essential spending, current cash, and monthly additions.",
          "language": "en",
          "role": "supporting",
          "weight": 0.45
        },
        {
          "value": "cash buffer",
          "language": "en",
          "role": "topic",
          "weight": 0.7
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        {
          "value": "cash reserve",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "cash-flow",
          "language": "en",
          "role": "topic",
          "weight": 0.45
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        {
          "value": "core-math-financial-foundations",
          "language": "en",
          "role": "topic",
          "weight": 0.45
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        {
          "value": "emergency fund",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "savings",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "short term reserve",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "simple emergency buffer",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        }
      ],
      "versions": {
        "en": {
          "language": "en",
          "title": "Cash Buffer Calculator",
          "description": "Free cash buffer calculator from OpenBook Planning. Estimate a simple short-term cash reserve target and gap.",
          "url": "/calculators/cash-buffer/",
          "category": "core-math-financial-foundations",
          "pillar": "cash-flow"
        },
        "fr": {
          "language": "fr",
          "title": "Calculateur de coussin de liquidités",
          "description": "Calculateur gratuit de coussin de liquidités d'OpenBook Planning. Estimez une cible simple de réserve de trésorerie à court terme et l'écart à combler.",
          "url": "/fr/calculators/cash-buffer/",
          "category": "core-math-financial-foundations",
          "pillar": "cash-flow"
        },
        "zh": {
          "language": "zh",
          "title": "短期现金储备计算器",
          "description": "OpenBook Planning 的免费短期现金储备计算器。估算短期现金储备目标和差额。",
          "url": "/zh/calculators/cash-buffer/",
          "category": "core-math-financial-foundations",
          "pillar": "cash-flow"
        }
      }
    },
    {
      "id": "calculator:cash-conversion-cycle",
      "type": "calculator",
      "concepts": [],
      "retrievalTerms": [
        {
          "value": "Analyze how inventory, receivables, and payables affect cash timing.",
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          "role": "intent",
          "weight": 0.65
        },
        {
          "value": "cash conversion cycle",
          "language": "en",
          "role": "intent",
          "weight": 0.95
        },
        {
          "value": "DIO",
          "language": "en",
          "role": "intent",
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        },
        {
          "value": "DPO",
          "language": "en",
          "role": "intent",
          "weight": 0.95
        },
        {
          "value": "DSO",
          "language": "en",
          "role": "intent",
          "weight": 0.95
        },
        {
          "value": "inventory days",
          "language": "en",
          "role": "intent",
          "weight": 0.95
        },
        {
          "value": "payable days",
          "language": "en",
          "role": "intent",
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        },
        {
          "value": "receivable days",
          "language": "en",
          "role": "intent",
          "weight": 0.95
        },
        {
          "value": "working capital cycle",
          "language": "en",
          "role": "intent",
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        },
        {
          "value": "Cash Conversion Cycle Calculator",
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          "role": "name",
          "weight": 1
        },
        {
          "value": "Estimate DIO, DSO, DPO, and the simplified cash conversion cycle from entered statement amounts.",
          "language": "en",
          "role": "supporting",
          "weight": 0.45
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        {
          "value": "accounting",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "assets",
          "language": "en",
          "role": "topic",
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        },
        {
          "value": "cash conversion cycle",
          "language": "en",
          "role": "topic",
          "weight": 0.7
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        {
          "value": "cash-flow",
          "language": "en",
          "role": "topic",
          "weight": 0.45
        },
        {
          "value": "core-math-financial-foundations",
          "language": "en",
          "role": "topic",
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        {
          "value": "DIO",
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          "role": "topic",
          "weight": 0.7
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        {
          "value": "DPO",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "DSO",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "financial statement analysis",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "inventory days",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "liabilities",
          "language": "en",
          "role": "topic",
          "weight": 0.45
        },
        {
          "value": "payable days",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "receivable days",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "working capital",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        }
      ],
      "versions": {
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          "language": "en",
          "title": "Cash Conversion Cycle Calculator",
          "description": "Free cash conversion cycle calculator from OpenBook Planning. Estimate DIO, DSO, DPO, and the cash conversion cycle from financial statement inputs.",
          "url": "/calculators/cash-conversion-cycle/",
          "category": "core-math-financial-foundations",
          "pillar": "cash-flow"
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        "fr": {
          "language": "fr",
          "title": "Calculateur du cycle de conversion de trésorerie",
          "description": "Calculateur gratuit du cycle de conversion de trésorerie d’OpenBook Planning. Estimez le DIO, le DSO, le DPO et le cycle de conversion de trésorerie à partir des données des états financiers.",
          "url": "/fr/calculators/cash-conversion-cycle/",
          "category": "core-math-financial-foundations",
          "pillar": "cash-flow"
        },
        "zh": {
          "language": "zh",
          "title": "现金转换周期计算器",
          "description": "根据收入、销售成本和存货、应收及应付账款余额，估算各项周转天数及现金转换周期。",
          "url": "/zh/calculators/cash-conversion-cycle/",
          "category": "core-math-financial-foundations",
          "pillar": "cash-flow"
        }
      }
    },
    {
      "id": "calculator:cash-flow",
      "type": "calculator",
      "concepts": [
        {
          "id": "planning.cash-flow",
          "weight": 1
        }
      ],
      "retrievalTerms": [
        {
          "value": "budget",
          "language": "en",
          "role": "intent",
          "weight": 0.95
        },
        {
          "value": "cash flow",
          "language": "en",
          "role": "intent",
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        },
        {
          "value": "deficit",
          "language": "en",
          "role": "intent",
          "weight": 0.95
        },
        {
          "value": "Estimate monthly surplus or deficit from entered income, expenses, debt payments, savings, and irregular-expense reserves.",
          "language": "en",
          "role": "intent",
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        },
        {
          "value": "surplus",
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          "role": "intent",
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        },
        {
          "value": "Cash Flow Calculator",
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          "role": "name",
          "weight": 1
        },
        {
          "value": "Estimate a monthly cash-flow surplus or deficit.",
          "language": "en",
          "role": "supporting",
          "weight": 0.45
        },
        {
          "value": "budget",
          "language": "en",
          "role": "topic",
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        },
        {
          "value": "cash flow",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "cash-flow",
          "language": "en",
          "role": "topic",
          "weight": 0.45
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        {
          "value": "core-math-financial-foundations",
          "language": "en",
          "role": "topic",
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        {
          "value": "deficit",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "surplus",
          "language": "en",
          "role": "topic",
          "weight": 0.7
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      ],
      "versions": {
        "en": {
          "language": "en",
          "title": "Cash Flow Calculator",
          "description": "Free cash flow calculator from OpenBook Planning. Estimate a monthly cash-flow surplus or deficit.",
          "url": "/calculators/cash-flow/",
          "category": "core-math-financial-foundations",
          "pillar": "cash-flow"
        },
        "fr": {
          "language": "fr",
          "title": "Calculateur de flux de trésorerie",
          "description": "Calculateur gratuit de flux de trésorerie d'OpenBook Planning. Estimez un surplus ou un déficit mensuel de trésorerie.",
          "url": "/fr/calculators/cash-flow/",
          "category": "core-math-financial-foundations",
          "pillar": "cash-flow"
        },
        "zh": {
          "language": "zh",
          "title": "现金流计算器",
          "description": "OpenBook Planning 的免费现金流计算器。估算每月现金流结余或赤字。",
          "url": "/zh/calculators/cash-flow/",
          "category": "core-math-financial-foundations",
          "pillar": "cash-flow"
        }
      }
    },
    {
      "id": "calculator:cash-flow-quality",
      "type": "calculator",
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        {
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        {
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          "role": "topic",
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          "role": "topic",
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          "role": "topic",
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          "pillar": "cash-flow"
        },
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          "language": "fr",
          "title": "Calculateur de qualité des flux de trésorerie",
          "description": "Calculateur gratuit de qualité des flux de trésorerie d’OpenBook Planning. Estimez les flux de trésorerie d’exploitation par rapport au résultat net, les flux de trésorerie disponibles, les marges et la couverture du service de la dette par les flux de trésorerie.",
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          "pillar": "cash-flow"
        },
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          "language": "zh",
          "title": "现金流质量计算器",
          "description": "根据利润、经营现金流、资本支出、收入和偿债支出，计算现金流比率及自由现金流。",
          "url": "/zh/calculators/cash-flow-quality/",
          "category": "core-math-financial-foundations",
          "pillar": "cash-flow"
        }
      }
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        {
          "value": "home purchase",
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        {
          "value": "land transfer tax",
          "language": "en",
          "role": "intent",
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          "role": "name",
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          "role": "topic",
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          "value": "land transfer tax",
          "language": "en",
          "role": "topic",
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        {
          "value": "legal fees",
          "language": "en",
          "role": "topic",
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        {
          "value": "liabilities",
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          "role": "topic",
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          "value": "mortgage-debt",
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          "role": "topic",
          "weight": 0.45
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      ],
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          "category": "mortgage-debt",
          "pillar": "cash-flow"
        },
        "fr": {
          "language": "fr",
          "title": "Calculateur des frais de clôture",
          "description": "Estimez les frais de clôture d'achat à partir des postes de coût saisis et d'un coussin en pourcentage.",
          "url": "/fr/calculators/closing-costs/",
          "category": "mortgage-debt",
          "pillar": "cash-flow"
        },
        "zh": {
          "language": "zh",
          "title": "购房成交费用计算器",
          "description": "合计购房交割费用，并按房价的一定比例预留额外资金。",
          "url": "/zh/calculators/closing-costs/",
          "category": "mortgage-debt",
          "pillar": "cash-flow"
        }
      }
    },
    {
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      "retrievalTerms": [
        {
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          "language": "en",
          "role": "intent",
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        {
          "value": "Long-term savings goals",
          "language": "en",
          "role": "intent",
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          "language": "en",
          "role": "intent",
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          "role": "name",
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        {
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        {
          "value": "savings goal",
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        {
          "value": "withdrawal rate",
          "language": "en",
          "role": "topic",
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      ],
      "versions": {
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          "title": "Coast FIRE Calculator",
          "description": "Free Coast FIRE calculator estimating whether current invested assets could grow to a future financial independence target without additional contributions.",
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          "category": "retirement-planning",
          "pillar": "retirement-readiness"
        },
        "fr": {
          "language": "fr",
          "title": "Calculateur Coast FIRE",
          "description": "Calculateur gratuit Coast FIRE qui estime si les actifs déjà investis pourraient atteindre une future cible d'indépendance financière sans cotisations supplémentaires.",
          "url": "/fr/calculators/coast-fire/",
          "category": "retirement-planning",
          "pillar": "retirement-readiness"
        },
        "zh": {
          "language": "zh",
          "title": "Coast FIRE 计算器",
          "description": "免费 Coast FIRE 计算器。估算当前已投资资产是否可能在不追加投入的情况下增长到未来财务独立目标。",
          "url": "/zh/calculators/coast-fire/",
          "category": "retirement-planning",
          "pillar": "retirement-readiness"
        }
      }
    },
    {
      "id": "calculator:common-size-income",
      "type": "calculator",
      "concepts": [],
      "retrievalTerms": [
        {
          "value": "common size income statement",
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          "role": "intent",
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        },
        {
          "value": "common-size",
          "language": "en",
          "role": "intent",
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        {
          "value": "income statement percentages",
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          "role": "intent",
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        {
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          "language": "en",
          "role": "intent",
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        },
        {
          "value": "Review an income statement in common-size form using revenue as the base.",
          "language": "en",
          "role": "intent",
          "weight": 0.65
        },
        {
          "value": "vertical analysis",
          "language": "en",
          "role": "intent",
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        {
          "value": "Common-Size Income Calculator",
          "language": "en",
          "role": "name",
          "weight": 1
        },
        {
          "value": "Convert simplified income statement lines into percentages of revenue.",
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          "role": "supporting",
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        },
        {
          "value": "accounting",
          "language": "en",
          "role": "topic",
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        {
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        {
          "value": "gross margin",
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          "role": "topic",
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        {
          "value": "net margin",
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          "role": "topic",
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        {
          "value": "operating margin",
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          "role": "topic",
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          "value": "percentage of revenue",
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          "role": "topic",
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          "value": "vertical analysis",
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          "description": "Free common-size income statement calculator from OpenBook Planning. Convert income statement lines into percentages of revenue.",
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          "category": "core-math-financial-foundations",
          "pillar": "cash-flow"
        },
        "fr": {
          "language": "fr",
          "title": "Calculateur d’état des résultats en pourcentage du chiffre d’affaires",
          "description": "Calculateur gratuit d’état des résultats en pourcentage du chiffre d’affaires d’OpenBook Planning. Convertissez les lignes de l’état des résultats en pourcentages du chiffre d’affaires.",
          "url": "/fr/calculators/common-size-income/",
          "category": "core-math-financial-foundations",
          "pillar": "cash-flow"
        },
        "zh": {
          "language": "zh",
          "title": "利润表纵向分析计算器",
          "description": "以收入为100%，比较简化利润表中各项成本、费用和利润所占的比例。",
          "url": "/zh/calculators/common-size-income/",
          "category": "core-math-financial-foundations",
          "pillar": "cash-flow"
        }
      }
    },
    {
      "id": "calculator:compound-growth",
      "type": "calculator",
      "concepts": [],
      "retrievalTerms": [
        {
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        },
        {
          "value": "Compounding education",
          "language": "en",
          "role": "intent",
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        },
        {
          "value": "future value no deposits",
          "language": "en",
          "role": "intent",
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        {
          "value": "future value without contributions",
          "language": "en",
          "role": "intent",
          "weight": 0.95
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        {
          "value": "Investment growth",
          "language": "en",
          "role": "intent",
          "weight": 0.65
        },
        {
          "value": "lump sum future value",
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          "role": "intent",
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        {
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          "language": "en",
          "role": "intent",
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        {
          "value": "Compound Growth Calculator",
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          "role": "name",
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        {
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        {
          "value": "future value no contributions",
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          "role": "topic",
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        {
          "value": "future value without deposits",
          "language": "en",
          "role": "topic",
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          "role": "topic",
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        {
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        {
          "value": "projection",
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          "role": "topic",
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        {
          "value": "you",
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      ],
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          "language": "en",
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          "description": "Free compound growth calculator for lump-sum future value. Estimate how a single amount may grow over time without deposits or recurring contributions.",
          "url": "/calculators/compound-growth/",
          "category": "investment-growth-portfolio-modeling",
          "pillar": "assets"
        },
        "fr": {
          "language": "fr",
          "title": "Calculateur de croissance composée",
          "description": "Calculateur de croissance composée pour estimer la valeur future d’un montant unique selon une hypothèse de rendement annuel.",
          "url": "/fr/calculators/compound-growth/",
          "category": "investment-growth-portfolio-modeling",
          "pillar": "assets"
        },
        "zh": {
          "language": "zh",
          "title": "复利增长计算器",
          "description": "复利增长计算器，用于根据固定年度回报假设，计算一笔起始金额的未来价值。",
          "url": "/zh/calculators/compound-growth/",
          "category": "investment-growth-portfolio-modeling",
          "pillar": "assets"
        }
      }
    },
    {
      "id": "calculator:contribution-catch-up",
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      "retrievalTerms": [
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        {
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        {
          "value": "contribution_catch_up",
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        {
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        {
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        {
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          "role": "name",
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        {
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        {
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        {
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        {
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        {
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        {
          "value": "savings target",
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          "role": "topic",
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        {
          "value": "time value of money",
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          "role": "topic",
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          "value": "you",
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      ],
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          "title": "Contribution Catch-Up Calculator",
          "description": "Free contribution catch-up calculator from OpenBook Planning. Estimate the extra regular contribution needed to reach a savings target by a selected date.",
          "url": "/calculators/contribution-catch-up/",
          "category": "investment-growth-portfolio-modeling",
          "pillar": "assets"
        },
        "fr": {
          "language": "fr",
          "title": "Calculateur de rattrapage de cotisations",
          "description": "Calculateur gratuit de rattrapage de cotisations d'OpenBook Planning. Estimez la cotisation régulière supplémentaire nécessaire pour atteindre un objectif d'épargne à une date choisie.",
          "url": "/fr/calculators/contribution-catch-up/",
          "category": "investment-growth-portfolio-modeling",
          "pillar": "assets"
        },
        "zh": {
          "language": "zh",
          "title": "供款补足计算器",
          "description": "OpenBook Planning 的免费供款补足计算器。估算为了在选定日期达到储蓄目标，还需要额外增加多少定期供款。",
          "url": "/zh/calculators/contribution-catch-up/",
          "category": "investment-growth-portfolio-modeling",
          "pillar": "assets"
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          "pillar": "cash-flow"
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          "title": "利息与偿债比率计算器",
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          "pillar": "liabilities"
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          "title": "Calculateur du moment de début RPC/RRQ",
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          "title": "CPP/QPP 领取时间计算器",
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          "url": "/zh/calculators/cpp-qpp-timing/",
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          "pillar": "retirement-readiness"
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          "title": "信用卡还款计算器",
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      }
    },
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          "title": "DB 养老金与转移价值计算器",
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          "language": "zh",
          "title": "债务整合计算器",
          "description": "免费债务整合计算器。比较继续分别还款与将多笔债务整合成一笔贷款后的每月还款额、利息、期限和费用。",
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          "value": "Debt payoff planning",
          "language": "en",
          "role": "intent",
          "weight": 0.65
        },
        {
          "value": "Interest savings",
          "language": "en",
          "role": "intent",
          "weight": 0.65
        },
        {
          "value": "Debt Freedom Calculator",
          "language": "en",
          "role": "name",
          "weight": 1
        },
        {
          "value": "Estimate whether a non-mortgage debt payment plan can clear the balance by a target period, and how an extra monthly amount changes payoff time and interest cost.",
          "language": "en",
          "role": "supporting",
          "weight": 0.45
        },
        {
          "value": "cash flow",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "cash-flow",
          "language": "en",
          "role": "topic",
          "weight": 0.45
        },
        {
          "value": "credit card payoff",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "debt freedom",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "debt payoff",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "debt repayment",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "extra payment",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "interest savings",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "liabilities",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "loan payoff",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "mortgage-debt",
          "language": "en",
          "role": "topic",
          "weight": 0.45
        }
      ],
      "versions": {
        "en": {
          "language": "en",
          "title": "Debt Freedom Calculator",
          "description": "Free non-mortgage debt freedom calculator estimating whether a payment plan can clear a debt by a target period, interest cost, and the extra payment needed.",
          "url": "/calculators/debt-freedom/",
          "category": "mortgage-debt",
          "pillar": "liabilities"
        },
        "fr": {
          "language": "fr",
          "title": "Calculateur de remboursement de dette",
          "description": "Calculateur gratuit de remboursement de dette d'OpenBook Planning. Estimez le délai de remboursement, le coût d'intérêt et le paiement cible d'une dette non hypothécaire.",
          "url": "/fr/calculators/debt-freedom/",
          "category": "mortgage-debt",
          "pillar": "liabilities"
        },
        "zh": {
          "language": "zh",
          "title": "债务还清计算器",
          "description": "OpenBook Planning 免费债务还清计算器。估算非房贷债务的还清时间、利息成本和目标还款额。",
          "url": "/zh/calculators/debt-freedom/",
          "category": "mortgage-debt",
          "pillar": "liabilities"
        }
      }
    },
    {
      "id": "calculator:debt-order",
      "type": "calculator",
      "concepts": [],
      "retrievalTerms": [
        {
          "value": "avalanche",
          "language": "en",
          "role": "intent",
          "weight": 0.95
        },
        {
          "value": "Compare which debt would come first under snowball and avalanche ordering using up to four debts and an extra-payment assumption.",
          "language": "en",
          "role": "intent",
          "weight": 0.65
        },
        {
          "value": "debt order",
          "language": "en",
          "role": "intent",
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        {
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        {
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          "language": "en",
          "role": "intent",
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        },
        {
          "value": "Debt Order Calculator",
          "language": "en",
          "role": "name",
          "weight": 1
        },
        {
          "value": "Compare snowball and avalanche payoff order for non-mortgage debts. Snowball starts with the smallest balance; avalanche starts with the highest annual interest rate.",
          "language": "en",
          "role": "supporting",
          "weight": 0.45
        },
        {
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          "value": "cash-flow",
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          "language": "en",
          "role": "topic",
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        {
          "value": "debt payoff",
          "language": "en",
          "role": "topic",
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        {
          "value": "mortgage-debt",
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          "role": "topic",
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      ],
      "versions": {
        "en": {
          "language": "en",
          "title": "Debt Order Calculator",
          "description": "Free debt order calculator from OpenBook Planning. Compare snowball and avalanche debt payoff order for non-mortgage debts.",
          "url": "/calculators/debt-order/",
          "category": "mortgage-debt",
          "pillar": "cash-flow"
        },
        "fr": {
          "language": "fr",
          "title": "Calculateur d'ordre des dettes",
          "description": "Calculateur gratuit d'ordre de remboursement des dettes d'OpenBook Planning. Comparez les méthodes boule de neige et avalanche pour des dettes non hypothécaires.",
          "url": "/fr/calculators/debt-order/",
          "category": "mortgage-debt",
          "pillar": "cash-flow"
        },
        "zh": {
          "language": "zh",
          "title": "债务还款顺序计算器",
          "description": "OpenBook Planning 免费债务还款顺序计算器。比较雪球法和雪崩法分别先偿还哪笔非房贷债务。",
          "url": "/zh/calculators/debt-order/",
          "category": "mortgage-debt",
          "pillar": "cash-flow"
        }
      }
    },
    {
      "id": "calculator:debt-plan",
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        {
          "value": "avalanche",
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          "role": "intent",
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        {
          "value": "Build a month-by-month payoff plan using snowball or avalanche ordering and an extra-payment assumption.",
          "language": "en",
          "role": "intent",
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          "role": "intent",
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        {
          "value": "Debt Payoff Planner",
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          "role": "name",
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        {
          "value": "Create a debt payoff plan with snowball or avalanche ordering.",
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          "role": "supporting",
          "weight": 0.45
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        {
          "value": "avalanche",
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          "value": "cash-flow",
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        {
          "value": "debt payoff",
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        {
          "value": "debt plan",
          "language": "en",
          "role": "topic",
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        {
          "value": "mortgage-debt",
          "language": "en",
          "role": "topic",
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        {
          "value": "snowball",
          "language": "en",
          "role": "topic",
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      ],
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        "en": {
          "language": "en",
          "title": "Debt Payoff Planner",
          "description": "Free debt payoff planner from OpenBook Planning. Create a debt payoff plan with snowball or avalanche ordering.",
          "url": "/calculators/debt-plan/",
          "category": "mortgage-debt",
          "pillar": "cash-flow"
        },
        "fr": {
          "language": "fr",
          "title": "Planificateur de remboursement des dettes",
          "description": "Planificateur gratuit de remboursement des dettes d'OpenBook Planning. Créez un plan avec l'ordre boule de neige ou avalanche.",
          "url": "/fr/calculators/debt-plan/",
          "category": "mortgage-debt",
          "pillar": "cash-flow"
        },
        "zh": {
          "language": "zh",
          "title": "债务还款计划器",
          "description": "OpenBook Planning 的免费债务还款计划器。使用雪球法或雪崩法创建还款计划。",
          "url": "/zh/calculators/debt-plan/",
          "category": "mortgage-debt",
          "pillar": "cash-flow"
        }
      }
    },
    {
      "id": "calculator:debt-income",
      "type": "calculator",
      "concepts": [],
      "retrievalTerms": [
        {
          "value": "Compare household debt balances with annual disposable income and optional debt-payment pressure.",
          "language": "en",
          "role": "intent",
          "weight": 0.65
        },
        {
          "value": "credit market debt to disposable income",
          "language": "en",
          "role": "intent",
          "weight": 0.95
        },
        {
          "value": "debt burden",
          "language": "en",
          "role": "intent",
          "weight": 0.95
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        {
          "value": "debt compared to income",
          "language": "en",
          "role": "intent",
          "weight": 0.95
        },
        {
          "value": "debt pressure",
          "language": "en",
          "role": "intent",
          "weight": 0.95
        },
        {
          "value": "debt to income",
          "language": "en",
          "role": "intent",
          "weight": 0.95
        },
        {
          "value": "household debt ratio",
          "language": "en",
          "role": "intent",
          "weight": 0.95
        },
        {
          "value": "Debt-to-Income Calculator",
          "language": "en",
          "role": "name",
          "weight": 1
        },
        {
          "value": "Estimate a household debt-to-disposable-income ratio from entered debt balances and annual disposable income, with Statistics Canada household-sector context.",
          "language": "en",
          "role": "supporting",
          "weight": 0.45
        },
        {
          "value": "cash-flow",
          "language": "en",
          "role": "topic",
          "weight": 0.45
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        {
          "value": "credit market debt",
          "language": "en",
          "role": "topic",
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        {
          "value": "debt pressure",
          "language": "en",
          "role": "topic",
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        {
          "value": "debt to income",
          "language": "en",
          "role": "topic",
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        {
          "value": "debt-to-income ratio",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "disposable income",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "household debt ratio",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "household liabilities",
          "language": "en",
          "role": "topic",
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        },
        {
          "value": "liabilities",
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          "value": "mortgage-debt",
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      ],
      "versions": {
        "en": {
          "language": "en",
          "title": "Debt-to-Income Calculator",
          "description": "Estimate a household debt-to-disposable-income ratio from entered debt balances and annual disposable income.",
          "url": "/calculators/debt-income/",
          "category": "mortgage-debt",
          "pillar": "liabilities"
        },
        "fr": {
          "language": "fr",
          "title": "Calculateur du ratio dette-revenu",
          "description": "Estimez un ratio dette-revenu disponible du ménage à partir des soldes de dettes et du revenu disponible annuel saisis.",
          "url": "/fr/calculators/debt-income/",
          "category": "mortgage-debt",
          "pillar": "liabilities"
        },
        "zh": {
          "language": "zh",
          "title": "债务收入比计算器",
          "description": "根据输入的债务余额和年度可支配收入，估算家庭债务与可支配收入的比率。",
          "url": "/zh/calculators/debt-income/",
          "category": "mortgage-debt",
          "pillar": "liabilities"
        }
      }
    },
    {
      "id": "calculator:disposable-income",
      "type": "calculator",
      "concepts": [],
      "retrievalTerms": [
        {
          "value": "after tax income",
          "language": "en",
          "role": "intent",
          "weight": 0.95
        },
        {
          "value": "cash flow income base",
          "language": "en",
          "role": "intent",
          "weight": 0.95
        },
        {
          "value": "disposable income",
          "language": "en",
          "role": "intent",
          "weight": 0.95
        },
        {
          "value": "Estimate a cash-flow income base before debt, budgeting, or affordability calculations.",
          "language": "en",
          "role": "intent",
          "weight": 0.65
        },
        {
          "value": "income after payroll deductions",
          "language": "en",
          "role": "intent",
          "weight": 0.95
        },
        {
          "value": "monthly disposable income",
          "language": "en",
          "role": "intent",
          "weight": 0.95
        },
        {
          "value": "net income after deductions",
          "language": "en",
          "role": "intent",
          "weight": 0.95
        },
        {
          "value": "Disposable Income Calculator",
          "language": "en",
          "role": "name",
          "weight": 1
        },
        {
          "value": "Estimate annual, monthly, and per-pay disposable income after simplified tax withholding, CPP/QPP, EI, QPIP, and other mandatory deductions.",
          "language": "en",
          "role": "supporting",
          "weight": 0.45
        },
        {
          "value": "after tax income",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "cash flow",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "cash-flow",
          "language": "en",
          "role": "topic",
          "weight": 0.45
        },
        {
          "value": "core-math-financial-foundations",
          "language": "en",
          "role": "topic",
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        {
          "value": "disposable income",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "mandatory deductions",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "monthly income",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "net income",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "payroll deductions",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "tax-optimization",
          "language": "en",
          "role": "topic",
          "weight": 0.45
        }
      ],
      "versions": {
        "en": {
          "language": "en",
          "title": "Disposable Income Calculator",
          "description": "Estimate annual and monthly disposable income from gross income, income tax withholding, statutory payroll deductions, and other mandatory deductions.",
          "url": "/calculators/disposable-income/",
          "category": "core-math-financial-foundations",
          "pillar": "cash-flow"
        },
        "fr": {
          "language": "fr",
          "title": "Calculateur du revenu disponible",
          "description": "Estimez le revenu disponible annuel et mensuel à partir du revenu brut, des retenues d'impôt, des cotisations salariales obligatoires et des autres retenues obligatoires.",
          "url": "/fr/calculators/disposable-income/",
          "category": "core-math-financial-foundations",
          "pillar": "cash-flow"
        },
        "zh": {
          "language": "zh",
          "title": "可支配收入计算器",
          "description": "根据总收入、所得税预扣、法定工资扣款和其他强制扣款，估算年度和月度可支配收入。",
          "url": "/zh/calculators/disposable-income/",
          "category": "core-math-financial-foundations",
          "pillar": "cash-flow"
        }
      }
    },
    {
      "id": "calculator:distribution-timing-impact",
      "type": "calculator",
      "concepts": [],
      "retrievalTerms": [
        {
          "value": "Distribution timing",
          "language": "en",
          "role": "intent",
          "weight": 0.65
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        {
          "value": "Present value estimates",
          "language": "en",
          "role": "intent",
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        {
          "value": "Withdrawal planning",
          "language": "en",
          "role": "intent",
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        },
        {
          "value": "Distribution Timing Impact Calculator",
          "language": "en",
          "role": "name",
          "weight": 1
        },
        {
          "value": "Compare present value needed when recurring distributions are paid at the beginning versus the end of each period.",
          "language": "en",
          "role": "supporting",
          "weight": 0.45
        },
        {
          "value": "assets",
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          "role": "topic",
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        {
          "value": "beginning of period",
          "language": "en",
          "role": "topic",
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        },
        {
          "value": "cash-flow",
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          "role": "topic",
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        {
          "value": "discounting",
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        {
          "value": "distribution timing",
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          "value": "end of period",
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          "value": "present value",
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        {
          "value": "projection",
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        {
          "value": "retirement-readiness",
          "language": "en",
          "role": "topic",
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        },
        {
          "value": "withdrawal timing",
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          "role": "topic",
          "weight": 0.7
        }
      ],
      "versions": {
        "en": {
          "language": "en",
          "title": "Distribution Timing Impact Calculator",
          "description": "Compare beginning-of-period and end-of-period distribution timing in present value calculations.",
          "url": "/calculators/distribution-timing-impact/",
          "category": "investment-growth-portfolio-modeling",
          "pillar": "cash-flow"
        },
        "fr": {
          "language": "fr",
          "title": "Calculateur d'effet du moment des retraits",
          "description": "Comparez le moment des retraits en début ou en fin de période dans un calcul de valeur actuelle.",
          "url": "/fr/calculators/distribution-timing-impact/",
          "category": "investment-growth-portfolio-modeling",
          "pillar": "cash-flow"
        },
        "zh": {
          "language": "zh",
          "title": "提款时间影响计算器",
          "description": "比较期初提款和期末提款所需的起始资金，分别列示每月、每两周、每周和每年提款的结果。",
          "url": "/zh/calculators/distribution-timing-impact/",
          "category": "investment-growth-portfolio-modeling",
          "pillar": "cash-flow"
        }
      }
    },
    {
      "id": "calculator:dividend-yield",
      "type": "calculator",
      "concepts": [],
      "retrievalTerms": [
        {
          "value": "Convert dividend per share and share price into common dividend yield measures.",
          "language": "en",
          "role": "intent",
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        },
        {
          "value": "dividend income",
          "language": "en",
          "role": "intent",
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        {
          "value": "dividend yield",
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        {
          "value": "forward dividend yield",
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        },
        {
          "value": "Dividend Yield Calculator",
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          "role": "name",
          "weight": 1
        },
        {
          "value": "Estimate current dividend yield, forward dividend yield, and payout ratio from share price, dividend, growth, and earnings assumptions.",
          "language": "en",
          "role": "supporting",
          "weight": 0.45
        },
        {
          "value": "assets",
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          "value": "dividend yield",
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          "value": "forward dividend yield",
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        {
          "value": "payout ratio",
          "language": "en",
          "role": "topic",
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        },
        {
          "value": "stock income",
          "language": "en",
          "role": "topic",
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      ],
      "versions": {
        "en": {
          "language": "en",
          "title": "Dividend Yield Calculator",
          "description": "Free dividend yield calculator from OpenBook Planning. Estimate current dividend yield, forward dividend yield, and payout ratio from share price, dividend, growth, and earnings assumptions.",
          "url": "/calculators/dividend-yield/",
          "category": "investment-growth-portfolio-modeling",
          "pillar": "assets"
        },
        "fr": {
          "language": "fr",
          "title": "Calculateur de rendement du dividende",
          "description": "Calculateur gratuit du rendement du dividende d’OpenBook Planning. Estimez le rendement courant, le rendement prospectif et le ratio de distribution à partir du prix de l’action, du dividende, de la croissance et du bénéfice.",
          "url": "/fr/calculators/dividend-yield/",
          "category": "investment-growth-portfolio-modeling",
          "pillar": "assets"
        },
        "zh": {
          "language": "zh",
          "title": "股息收益率计算器",
          "description": "OpenBook Planning 的免费股息收益率计算器。根据股价、每股股息及增长假设，比较当前和下一年的股息收益率；填写每股收益还可估算派息率。",
          "url": "/zh/calculators/dividend-yield/",
          "category": "investment-growth-portfolio-modeling",
          "pillar": "assets"
        }
      }
    },
    {
      "id": "calculator:downsizing",
      "type": "calculator",
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          "value": "cash released from home",
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          "value": "Estimate whether a downsizing scenario may release cash, reduce ownership costs, or require additional cash.",
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          "value": "home sale",
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          "value": "housing",
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        {
          "value": "investable proceeds",
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        {
          "value": "liabilities",
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          "role": "topic",
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          "value": "retirement-readiness",
          "language": "en",
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          "language": "en",
          "title": "Downsizing Calculator",
          "description": "Free downsizing calculator from OpenBook Planning. Estimate possible released cash or cash needed, compare annual ownership costs, and test a return assumption on released cash.",
          "url": "/calculators/downsizing/",
          "category": "mortgage-debt",
          "pillar": "assets"
        },
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          "language": "fr",
          "title": "Calculateur de réduction de propriété",
          "description": "Estimez la trésorerie libérée ou requise lors de la vente d'une maison et de l'achat d'une propriété moins coûteuse, puis comparez les coûts annuels.",
          "url": "/fr/calculators/downsizing/",
          "category": "mortgage-debt",
          "pillar": "assets"
        },
        "zh": {
          "language": "zh",
          "title": "换小房计算器",
          "description": "估算换购价格较低的住房后，能剩下多少现金或还需补充多少，并比较每年的住房支出。",
          "url": "/zh/calculators/downsizing/",
          "category": "mortgage-debt",
          "pillar": "assets"
        }
      }
    },
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      "id": "calculator:dupont-roe",
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          "value": "equity multiplier",
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          "weight": 0.7
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        {
          "value": "financial statement analysis",
          "language": "en",
          "role": "topic",
          "weight": 0.7
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        {
          "value": "liabilities",
          "language": "en",
          "role": "topic",
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          "value": "profit margin",
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          "url": "/calculators/dupont-roe/",
          "category": "core-math-financial-foundations",
          "pillar": "assets"
        },
        "fr": {
          "language": "fr",
          "title": "Calculateur DuPont du rendement des capitaux propres",
          "description": "Calculateur gratuit DuPont du rendement des capitaux propres d’OpenBook Planning. Décomposez le rendement des capitaux propres en marge bénéficiaire, rotation de l’actif et multiplicateur des capitaux propres.",
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          "category": "core-math-financial-foundations",
          "pillar": "assets"
        },
        "zh": {
          "language": "zh",
          "title": "杜邦权益回报率分解计算器",
          "description": "根据净利润、收入、平均总资产和平均股东权益，用杜邦分析分解股东权益回报率。",
          "url": "/zh/calculators/dupont-roe/",
          "category": "core-math-financial-foundations",
          "pillar": "assets"
        }
      }
    },
    {
      "id": "calculator:edu-cost",
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          "value": "Estimate future education costs by indexing today?s annual cost to each year of study.",
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        {
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          "role": "topic",
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          "value": "education cost",
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          "value": "inflation",
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          "role": "topic",
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          "value": "school cost",
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      ],
      "versions": {
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          "language": "en",
          "title": "Education Cost Calculator",
          "description": "Free education cost calculator from OpenBook Planning. Estimate future education costs before RESP savings and grants.",
          "url": "/calculators/edu-cost/",
          "category": "education-planning",
          "pillar": "cash-flow"
        },
        "fr": {
          "language": "fr",
          "title": "Calculateur du coût des études",
          "description": "Calculateur gratuit du coût des études d'OpenBook Planning. Estimez les coûts futurs des études avant l'épargne REEE et les subventions.",
          "url": "/fr/calculators/edu-cost/",
          "category": "education-planning",
          "pillar": "cash-flow"
        },
        "zh": {
          "language": "zh",
          "title": "教育费用计算器",
          "description": "OpenBook Planning 的免费教育费用计算器。在 RESP 储蓄和补助前估算未来教育费用。",
          "url": "/zh/calculators/edu-cost/",
          "category": "education-planning",
          "pillar": "cash-flow"
        }
      }
    },
    {
      "id": "calculator:education-goal",
      "type": "calculator",
      "concepts": [
        {
          "id": "registered-account.resp",
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        {
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        }
      ],
      "retrievalTerms": [
        {
          "value": "Education Goal Calculator",
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          "role": "alias",
          "weight": 1
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        {
          "value": "Education Savings Calculator",
          "language": "en",
          "role": "alias",
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        {
          "value": "RESP Goal Calculator",
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          "role": "alias",
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        {
          "value": "CESG, CLB, and provincial benefit estimates",
          "language": "en",
          "role": "intent",
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        {
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        {
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        {
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        {
          "value": "children's education",
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          "value": "QESI",
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        {
          "value": "RESP",
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        {
          "value": "you",
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          "role": "topic",
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      ],
      "versions": {
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          "language": "en",
          "title": "Education Savings Goal Calculator",
          "description": "Estimate education funding with multiple RESP beneficiaries, directed contributions, CESG, CLB, Quebec QESI, B.C. grant, and provincial-program disclosure.",
          "url": "/calculators/education-goal/",
          "category": "education-planning",
          "pillar": "assets"
        },
        "fr": {
          "language": "fr",
          "title": "Calculateur d’objectif d’épargne-études",
          "description": "Estimez le financement des études avec plusieurs bénéficiaires REEE, cotisations dirigées, SCEE, BEC, IQEE du Québec, subvention de la C.-B. et information sur les programmes provinciaux.",
          "url": "/fr/calculators/education-goal/",
          "category": "education-planning",
          "pillar": "assets"
        },
        "zh": {
          "language": "zh",
          "title": "教育储蓄目标计算器",
          "description": "估算多个 RESP 受益人的教育资金，包括指定供款、CESG、CLB、魁北克 QESI、B.C. 补助和省级项目说明。",
          "url": "/zh/calculators/education-goal/",
          "category": "education-planning",
          "pillar": "assets"
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      }
    },
    {
      "id": "calculator:effective-rate",
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      "retrievalTerms": [
        {
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        {
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          "url": "/fr/calculators/effective-rate/",
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        "zh": {
          "language": "zh",
          "title": "实际年利率计算器",
          "description": "OpenBook Planning 的免费实际利率计算器。根据复利频率，将名义年利率换算为实际年利率。",
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          "category": "core-math-financial-foundations",
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      }
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          "weight": 0.7
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        {
          "value": "cash flow",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "cash reserve",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "cash-flow",
          "language": "en",
          "role": "topic",
          "weight": 0.45
        },
        {
          "value": "core-math-financial-foundations",
          "language": "en",
          "role": "topic",
          "weight": 0.45
        },
        {
          "value": "emergency fund",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "emergency fund timeline",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "emergency savings goal",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "goal planning",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "monthly expenses",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "preparedness",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "savings goal",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "you",
          "language": "en",
          "role": "topic",
          "weight": 0.45
        }
      ],
      "versions": {
        "en": {
          "language": "en",
          "title": "Emergency Fund Calculator",
          "description": "Free emergency fund calculator estimating a cash reserve from essential expenses, selected months of coverage, current savings, and regular saving.",
          "url": "/calculators/emergency-fund-goal/",
          "category": "core-math-financial-foundations",
          "pillar": "cash-flow"
        },
        "fr": {
          "language": "fr",
          "title": "Calculateur de fonds d'urgence",
          "description": "Estimer un fonds d'urgence à partir des dépenses essentielles, des mois de couverture, de l'épargne actuelle et de l'épargne périodique.",
          "url": "/fr/calculators/emergency-fund-goal/",
          "category": "core-math-financial-foundations",
          "pillar": "cash-flow"
        },
        "zh": {
          "language": "zh",
          "title": "紧急备用金计算器",
          "description": "根据每月必要支出和希望预留的月数，估算紧急备用金目标，并查看现有储蓄与定期存款能否在所选期限内达到目标。",
          "url": "/zh/calculators/emergency-fund-goal/",
          "category": "core-math-financial-foundations",
          "pillar": "cash-flow"
        }
      }
    },
    {
      "id": "calculator:emergency-runway",
      "type": "calculator",
      "concepts": [],
      "retrievalTerms": [
        {
          "value": "cash buffer",
          "language": "en",
          "role": "intent",
          "weight": 0.95
        },
        {
          "value": "emergency fund",
          "language": "en",
          "role": "intent",
          "weight": 0.95
        },
        {
          "value": "Estimate emergency runway from liquid cash, essential expenses, debt minimums, expected disruption income, and one-time cash needs.",
          "language": "en",
          "role": "intent",
          "weight": 0.65
        },
        {
          "value": "income disruption",
          "language": "en",
          "role": "intent",
          "weight": 0.95
        },
        {
          "value": "runway",
          "language": "en",
          "role": "intent",
          "weight": 0.95
        },
        {
          "value": "Emergency Runway Calculator",
          "language": "en",
          "role": "name",
          "weight": 1
        },
        {
          "value": "Estimate how many months liquid cash could cover the monthly shortfall during reduced or interrupted income.",
          "language": "en",
          "role": "supporting",
          "weight": 0.45
        },
        {
          "value": "cash buffer",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "cash-flow",
          "language": "en",
          "role": "topic",
          "weight": 0.45
        },
        {
          "value": "core-math-financial-foundations",
          "language": "en",
          "role": "topic",
          "weight": 0.45
        },
        {
          "value": "emergency fund",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "income disruption",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "runway",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        }
      ],
      "versions": {
        "en": {
          "language": "en",
          "title": "Emergency Runway Calculator",
          "description": "Free emergency runway calculator from OpenBook Planning. Estimate how long liquid cash could cover essential expenses during reduced or interrupted income.",
          "url": "/calculators/emergency-runway/",
          "category": "core-math-financial-foundations",
          "pillar": "cash-flow"
        },
        "fr": {
          "language": "fr",
          "title": "Calculateur de coussin de trésorerie d'urgence",
          "description": "Estimez combien de temps les liquidités pourraient couvrir les dépenses essentielles et les paiements minimums de dette pendant une baisse ou interruption de revenu.",
          "url": "/fr/calculators/emergency-runway/",
          "category": "core-math-financial-foundations",
          "pillar": "cash-flow"
        },
        "zh": {
          "language": "zh",
          "title": "现金维持期计算器",
          "description": "收入减少或中断后，现有现金还能维持多久？输入必要支出、最低还款额和期间仍有的收入，估算现金能补足几个月的收支缺口。",
          "url": "/zh/calculators/emergency-runway/",
          "category": "core-math-financial-foundations",
          "pillar": "cash-flow"
        }
      }
    },
    {
      "id": "calculator:estate-goal",
      "type": "calculator",
      "concepts": [],
      "retrievalTerms": [
        {
          "value": "estate goal",
          "language": "en",
          "role": "intent",
          "weight": 0.95
        },
        {
          "value": "estate target",
          "language": "en",
          "role": "intent",
          "weight": 0.95
        },
        {
          "value": "estate value",
          "language": "en",
          "role": "intent",
          "weight": 0.95
        },
        {
          "value": "Estimate whether projected assets, insurance, liabilities, and annual additions may meet an estate target.",
          "language": "en",
          "role": "intent",
          "weight": 0.65
        },
        {
          "value": "legacy goal",
          "language": "en",
          "role": "intent",
          "weight": 0.95
        },
        {
          "value": "life insurance estate goal",
          "language": "en",
          "role": "intent",
          "weight": 0.95
        },
        {
          "value": "Estate Goal Calculator",
          "language": "en",
          "role": "name",
          "weight": 1
        },
        {
          "value": "Compare a projected estate value with an entered estate target.",
          "language": "en",
          "role": "supporting",
          "weight": 0.45
        },
        {
          "value": "assets",
          "language": "en",
          "role": "topic",
          "weight": 0.45
        },
        {
          "value": "beneficiary",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "estate goal",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "estate planning",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "estate value",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "estate-planning",
          "language": "en",
          "role": "topic",
          "weight": 0.45
        },
        {
          "value": "insurance",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "insurance-and-risk",
          "language": "en",
          "role": "topic",
          "weight": 0.45
        },
        {
          "value": "legacy goal",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "tax-optimization",
          "language": "en",
          "role": "topic",
          "weight": 0.45
        }
      ],
      "versions": {
        "en": {
          "language": "en",
          "title": "Estate Goal Calculator",
          "description": "Free estate goal calculator from OpenBook Planning. Estimate whether projected estate assets may meet an entered estate target.",
          "url": "/calculators/estate-goal/",
          "category": "estate-planning",
          "pillar": "assets"
        },
        "fr": {
          "language": "fr",
          "title": "Calculateur d'objectif successoral",
          "description": "Calculateur gratuit d'objectif successoral d'OpenBook Planning. Estimez si les actifs successoraux projetés peuvent atteindre un objectif successoral saisi.",
          "url": "/fr/calculators/estate-goal/",
          "category": "estate-planning",
          "pillar": "assets"
        },
        "zh": {
          "language": "zh",
          "title": "遗产目标计算器",
          "description": "OpenBook Planning 的免费遗产目标计算器。估算未来遗产价值是否可能达到设定的遗产目标金额。",
          "url": "/zh/calculators/estate-goal/",
          "category": "estate-planning",
          "pillar": "assets"
        }
      }
    },
    {
      "id": "calculator:estate-liquidity",
      "type": "calculator",
      "concepts": [],
      "retrievalTerms": [
        {
          "value": "Compare liquid estate resources with entered taxes, debts, final expenses, and cash bequests.",
          "language": "en",
          "role": "intent",
          "weight": 0.65
        },
        {
          "value": "estate liquidity",
          "language": "en",
          "role": "intent",
          "weight": 0.95
        },
        {
          "value": "estate tax",
          "language": "en",
          "role": "intent",
          "weight": 0.95
        },
        {
          "value": "probate",
          "language": "en",
          "role": "intent",
          "weight": 0.95
        },
        {
          "value": "shortfall",
          "language": "en",
          "role": "intent",
          "weight": 0.95
        },
        {
          "value": "Estate Liquidity Calculator",
          "language": "en",
          "role": "name",
          "weight": 1
        },
        {
          "value": "Estimate an estate liquidity surplus or shortfall.",
          "language": "en",
          "role": "supporting",
          "weight": 0.45
        },
        {
          "value": "cash-flow",
          "language": "en",
          "role": "topic",
          "weight": 0.45
        },
        {
          "value": "estate liquidity",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "estate tax",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "estate-planning",
          "language": "en",
          "role": "topic",
          "weight": 0.45
        },
        {
          "value": "probate",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "shortfall",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        }
      ],
      "versions": {
        "en": {
          "language": "en",
          "title": "Estate Liquidity Calculator",
          "description": "Free estate liquidity calculator from OpenBook Planning. Estimate an estate liquidity surplus or shortfall.",
          "url": "/calculators/estate-liquidity/",
          "category": "estate-planning",
          "pillar": "cash-flow"
        },
        "fr": {
          "language": "fr",
          "title": "Calculateur de liquidité successorale",
          "description": "Calculateur gratuit de liquidité successorale d'OpenBook Planning. Estimez un surplus ou un déficit de liquidités successorales.",
          "url": "/fr/calculators/estate-liquidity/",
          "category": "estate-planning",
          "pillar": "cash-flow"
        },
        "zh": {
          "language": "zh",
          "title": "遗产流动性计算器",
          "description": "比较可用于处理遗产的现金与易变现资产，以及预计税款、债务和其他开支，估算资金是否足够。",
          "url": "/zh/calculators/estate-liquidity/",
          "category": "estate-planning",
          "pillar": "cash-flow"
        }
      }
    },
    {
      "id": "calculator:amt-exposure",
      "type": "calculator",
      "concepts": [],
      "retrievalTerms": [
        {
          "value": "Advanced tax planning",
          "language": "en",
          "role": "intent",
          "weight": 0.65
        },
        {
          "value": "AMT screening",
          "language": "en",
          "role": "intent",
          "weight": 0.65
        },
        {
          "value": "Tax exposure review",
          "language": "en",
          "role": "intent",
          "weight": 0.65
        },
        {
          "value": "Federal Alternative Minimum Tax (AMT) Exposure Estimator",
          "language": "en",
          "role": "name",
          "weight": 1
        },
        {
          "value": "Screen for possible federal AMT exposure using simplified preference-item assumptions.",
          "language": "en",
          "role": "supporting",
          "weight": 0.45
        },
        {
          "value": "amt",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "assets",
          "language": "en",
          "role": "topic",
          "weight": 0.45
        },
        {
          "value": "capital gains",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "deductions",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "exposure",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "tax",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "tax-optimization",
          "language": "en",
          "role": "topic",
          "weight": 0.45
        },
        {
          "value": "tax-planning",
          "language": "en",
          "role": "topic",
          "weight": 0.45
        }
      ],
      "versions": {
        "en": {
          "language": "en",
          "title": "Federal Alternative Minimum Tax Exposure Estimator",
          "description": "Educational federal Alternative Minimum Tax exposure estimator for Canadian AMT screening.",
          "url": "/calculators/amt-exposure/",
          "category": "tax-planning",
          "pillar": "tax-optimization"
        },
        "fr": {
          "language": "fr",
          "title": "Estimateur d'exposition à l'IMR fédéral",
          "description": "Estimateur éducatif d'exposition à l'impôt minimum de remplacement fédéral pour un dépistage canadien simplifié.",
          "url": "/fr/calculators/amt-exposure/",
          "category": "tax-planning",
          "pillar": "tax-optimization"
        },
        "zh": {
          "language": "zh",
          "title": "联邦 AMT 潜在影响估算器",
          "description": "用于初步估算加拿大联邦替代性最低税（AMT）潜在影响的教育性工具。",
          "url": "/zh/calculators/amt-exposure/",
          "category": "tax-planning",
          "pillar": "tax-optimization"
        }
      }
    },
    {
      "id": "calculator:fhsa-hbp-planner",
      "type": "calculator",
      "concepts": [
        {
          "id": "registered-plan.canadian",
          "weight": 0.65
        }
      ],
      "retrievalTerms": [
        {
          "value": "Down payment funding",
          "language": "en",
          "role": "intent",
          "weight": 0.65
        },
        {
          "value": "FHSA and HBP scenarios",
          "language": "en",
          "role": "intent",
          "weight": 0.65
        },
        {
          "value": "fhsa_hbp_planning",
          "language": "en",
          "role": "intent",
          "weight": 0.95
        },
        {
          "value": "first_home_funding",
          "language": "en",
          "role": "intent",
          "weight": 0.95
        },
        {
          "value": "First-home planning",
          "language": "en",
          "role": "intent",
          "weight": 0.65
        },
        {
          "value": "home_purchase",
          "language": "en",
          "role": "intent",
          "weight": 0.95
        },
        {
          "value": "FHSA/HBP Planner",
          "language": "en",
          "role": "name",
          "weight": 1
        },
        {
          "value": "Estimate how one or two buyers' FHSA savings, possible Home Buyers' Plan withdrawals, projected RRSP savings, unrestricted savings, and family support funds may contribute to a future first-home down payment.",
          "language": "en",
          "role": "supporting",
          "weight": 0.45
        },
        {
          "value": "assets",
          "language": "en",
          "role": "topic",
          "weight": 0.45
        },
        {
          "value": "cash-flow",
          "language": "en",
          "role": "topic",
          "weight": 0.45
        },
        {
          "value": "down payment",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "FHSA",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "first home",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "HBP",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "Home Buyers' Plan",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "home ownership",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "mortgage-debt",
          "language": "en",
          "role": "topic",
          "weight": 0.45
        },
        {
          "value": "RRSP withdrawal",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "tax-optimization",
          "language": "en",
          "role": "topic",
          "weight": 0.45
        }
      ],
      "versions": {
        "en": {
          "language": "en",
          "title": "FHSA/HBP Planner",
          "description": "Estimate how one or two buyers' FHSA savings, possible HBP withdrawals, projected RRSP savings, unrestricted savings, and family support funds may contribute to a first-home down payment.",
          "url": "/calculators/fhsa-hbp-planner/",
          "category": "mortgage-debt",
          "pillar": "assets"
        },
        "fr": {
          "language": "fr",
          "title": "Planificateur CELIAPP/RAP",
          "description": "Estimez comment l'épargne CELIAPP, les retraits possibles du RAP, l'épargne REER projetée, l'épargne non restreinte et les fonds de soutien familial d'un ou deux acheteurs peuvent contribuer à une mise de fonds pour une première propriété.",
          "url": "/fr/calculators/fhsa-hbp-planner/",
          "category": "mortgage-debt",
          "pillar": "assets"
        },
        "zh": {
          "language": "zh",
          "title": "FHSA/HBP 规划器",
          "description": "汇总一人或两人的FHSA、HBP提款、其他储蓄及家人资助，估算购房首付的缺口或结余。",
          "url": "/zh/calculators/fhsa-hbp-planner/",
          "category": "mortgage-debt",
          "pillar": "assets"
        }
      }
    },
    {
      "id": "calculator:terminal-tax",
      "type": "calculator",
      "concepts": [],
      "retrievalTerms": [
        {
          "value": "Death Tax Calculator",
          "language": "en",
          "role": "alias",
          "weight": 1
        },
        {
          "value": "Final Tax Year Calculator",
          "language": "en",
          "role": "alias",
          "weight": 1
        },
        {
          "value": "Final-Year Tax Calculator",
          "language": "en",
          "role": "alias",
          "weight": 1
        },
        {
          "value": "Tax at Death Calculator",
          "language": "en",
          "role": "alias",
          "weight": 1
        },
        {
          "value": "Terminal Tax Calculator",
          "language": "en",
          "role": "alias",
          "weight": 1
        },
        {
          "value": "death-triggered income",
          "language": "en",
          "role": "intent",
          "weight": 0.95
        },
        {
          "value": "deemed disposition tax",
          "language": "en",
          "role": "intent",
          "weight": 0.95
        },
        {
          "value": "estate tax planning calculator",
          "language": "en",
          "role": "intent",
          "weight": 0.95
        },
        {
          "value": "Estimating the incremental tax effect of selected RRSP/RRIF amounts, taxable capital gains, and other ordinary terminal income.",
          "language": "en",
          "role": "intent",
          "weight": 0.65
        },
        {
          "value": "Explaining why final-year taxable income can increase when death triggers income or deemed-disposition gains.",
          "language": "en",
          "role": "intent",
          "weight": 0.65
        },
        {
          "value": "final return tax estimate",
          "language": "en",
          "role": "intent",
          "weight": 0.95
        },
        {
          "value": "final-year tax at death",
          "language": "en",
          "role": "intent",
          "weight": 0.95
        },
        {
          "value": "incremental tax estimate",
          "language": "en",
          "role": "intent",
          "weight": 0.95
        },
        {
          "value": "RRIF at death",
          "language": "en",
          "role": "intent",
          "weight": 0.95
        },
        {
          "value": "RRSP at death",
          "language": "en",
          "role": "intent",
          "weight": 0.95
        },
        {
          "value": "Separating ordinary taxable income before death-triggered items from selected final-year additions.",
          "language": "en",
          "role": "intent",
          "weight": 0.65
        },
        {
          "value": "tax at death",
          "language": "en",
          "role": "intent",
          "weight": 0.95
        },
        {
          "value": "taxable capital gains at death",
          "language": "en",
          "role": "intent",
          "weight": 0.95
        },
        {
          "value": "terminal tax",
          "language": "en",
          "role": "intent",
          "weight": 0.95
        },
        {
          "value": "unused capital losses at death",
          "language": "en",
          "role": "intent",
          "weight": 0.95
        },
        {
          "value": "Final-Year Tax at Death Calculator",
          "language": "en",
          "role": "name",
          "weight": 1
        },
        {
          "value": "Estimate how selected death-triggered income amounts may affect final-year tax at death.",
          "language": "en",
          "role": "supporting",
          "weight": 0.45
        },
        {
          "value": "assets",
          "language": "en",
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          "value": "Canadian tax",
          "language": "en",
          "role": "topic",
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        {
          "value": "Death Tax Calculator",
          "language": "en",
          "role": "topic",
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          "value": "death-triggered income",
          "language": "en",
          "role": "topic",
          "weight": 0.7
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          "value": "deemed disposition",
          "language": "en",
          "role": "topic",
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          "value": "estate tax planning",
          "language": "en",
          "role": "topic",
          "weight": 0.7
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          "value": "final tax return estimate",
          "language": "en",
          "role": "topic",
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          "value": "Final Tax Year Calculator",
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          "value": "final-year tax at death",
          "language": "en",
          "role": "topic",
          "weight": 0.7
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          "value": "Final-Year Tax Calculator",
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          "role": "topic",
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          "value": "incremental tax estimate",
          "language": "en",
          "role": "topic",
          "weight": 0.7
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        {
          "value": "RRIF at death",
          "language": "en",
          "role": "topic",
          "weight": 0.7
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          "value": "RRSP at death",
          "language": "en",
          "role": "topic",
          "weight": 0.7
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          "value": "source-sensitive review",
          "language": "en",
          "role": "topic",
          "weight": 0.7
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          "value": "tax payable",
          "language": "en",
          "role": "topic",
          "weight": 0.7
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        {
          "value": "tax-optimization",
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          "role": "topic",
          "weight": 0.45
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          "value": "tax-planning",
          "language": "en",
          "role": "topic",
          "weight": 0.45
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        {
          "value": "taxable capital gains",
          "language": "en",
          "role": "topic",
          "weight": 0.7
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          "value": "terminal tax",
          "language": "en",
          "role": "topic",
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        {
          "value": "Terminal Tax Calculator",
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          "role": "topic",
          "weight": 0.7
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        {
          "value": "unused capital losses",
          "language": "en",
          "role": "topic",
          "weight": 0.7
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      ],
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        "en": {
          "language": "en",
          "title": "Final-Year Tax at Death Calculator",
          "description": "Estimate how selected death-triggered income amounts may affect final-year tax at death.",
          "url": "/calculators/terminal-tax/",
          "category": "tax-planning",
          "pillar": "tax-optimization"
        },
        "fr": {
          "language": "fr",
          "title": "Calculateur d’impôt de la dernière année au décès",
          "description": "Estimez comment certains montants imposables au décès peuvent influencer l’impôt de la dernière année.",
          "url": "/fr/calculators/terminal-tax/",
          "category": "tax-planning",
          "pillar": "tax-optimization"
        },
        "zh": {
          "language": "zh",
          "title": "身故当年税务估算器",
          "description": "估算身故当年因特定收入项目计入应税收入而增加的税额。",
          "url": "/zh/calculators/terminal-tax/",
          "category": "tax-planning",
          "pillar": "tax-optimization"
        }
      }
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    {
      "id": "calculator:financial-goal",
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          "value": "Financial Goal Calculator",
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          "value": "goal date",
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          "role": "topic",
          "weight": 0.7
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          "value": "investment growth",
          "language": "en",
          "role": "topic",
          "weight": 0.7
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          "weight": 0.7
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        {
          "value": "target",
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          "language": "en",
          "title": "Financial Goal Calculator",
          "description": "Free financial goal calculator estimating the regular saving amount needed to reach a defined future amount by a selected date.",
          "url": "/calculators/financial-goal/",
          "category": "investment-growth-portfolio-modeling",
          "pillar": "cash-flow"
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          "language": "fr",
          "title": "Calculateur d'objectif financier",
          "description": "Estimer le montant d'épargne périodique requis pour atteindre un montant futur défini à une date choisie.",
          "url": "/fr/calculators/financial-goal/",
          "category": "investment-growth-portfolio-modeling",
          "pillar": "cash-flow"
        },
        "zh": {
          "language": "zh",
          "title": "财务目标计算器",
          "description": "估算在选定日期前达到指定未来金额所需的定期储蓄金额。",
          "url": "/zh/calculators/financial-goal/",
          "category": "investment-growth-portfolio-modeling",
          "pillar": "cash-flow"
        }
      }
    },
    {
      "id": "calculator:financial-independence-goal",
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        {
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          "language": "en",
          "role": "intent",
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          "value": "Long-term savings goals",
          "language": "en",
          "role": "intent",
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        {
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          "language": "en",
          "role": "intent",
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        {
          "value": "Financial Independence Calculator",
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          "role": "name",
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        },
        {
          "value": "Estimate a financial independence or FIRE moving portfolio target from annual spending, inflation, years of retirement spending to fund, current invested assets, contribution, and return assumptions.",
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          "role": "supporting",
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          "role": "topic",
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          "value": "FIRE",
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          "value": "goal planning",
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          "role": "topic",
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        {
          "value": "investment growth",
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          "role": "topic",
          "weight": 0.7
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        {
          "value": "lean fire",
          "language": "en",
          "role": "topic",
          "weight": 0.7
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        {
          "value": "portfolio target",
          "language": "en",
          "role": "topic",
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        {
          "value": "retirement",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "retirement-planning",
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          "role": "topic",
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        },
        {
          "value": "retirement-readiness",
          "language": "en",
          "role": "topic",
          "weight": 0.45
        },
        {
          "value": "savings goal",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "spending target",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "withdrawal rate",
          "language": "en",
          "role": "topic",
          "weight": 0.7
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      ],
      "versions": {
        "en": {
          "language": "en",
          "title": "Financial Independence Calculator",
          "description": "Free financial independence and FIRE calculator estimating a moving portfolio target from annual spending, inflation, withdrawal rate, current invested assets, contributions, and return assumptions.",
          "url": "/calculators/financial-independence-goal/",
          "category": "retirement-planning",
          "pillar": "retirement-readiness"
        },
        "fr": {
          "language": "fr",
          "title": "Calculateur d'indépendance financière",
          "description": "Calculateur gratuit d'indépendance financière et FIRE qui estime une cible de portefeuille évolutive à partir des dépenses annuelles, de l'inflation, d'un multiple de dépenses, des actifs investis, des cotisations et des hypothèses de rendement.",
          "url": "/fr/calculators/financial-independence-goal/",
          "category": "retirement-planning",
          "pillar": "retirement-readiness"
        },
        "zh": {
          "language": "zh",
          "title": "财务独立计算器",
          "description": "免费财务独立和 FIRE 计算器。根据年度支出、通胀、支出倍数、当前投资资产、定期投入和收益假设，估算未来需要的投资组合规模。",
          "url": "/zh/calculators/financial-independence-goal/",
          "category": "retirement-planning",
          "pillar": "retirement-readiness"
        }
      }
    },
    {
      "id": "calculator:future-value",
      "type": "calculator",
      "concepts": [],
      "retrievalTerms": [
        {
          "value": "future value with contributions",
          "language": "en",
          "role": "intent",
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          "language": "en",
          "role": "intent",
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        {
          "value": "Investment growth",
          "language": "en",
          "role": "intent",
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        {
          "value": "investment growth with deposits",
          "language": "en",
          "role": "intent",
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        {
          "value": "Quick estimates",
          "language": "en",
          "role": "intent",
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        {
          "value": "recurring contribution future value",
          "language": "en",
          "role": "intent",
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        {
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          "language": "en",
          "role": "intent",
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        {
          "value": "Future Value Calculator",
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          "role": "name",
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        {
          "value": "Estimate future value when a starting amount and recurring contributions grow under a constant return assumption.",
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          "role": "supporting",
          "weight": 0.45
        },
        {
          "value": "annual contribution increase",
          "language": "en",
          "role": "topic",
          "weight": 0.7
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        {
          "value": "assets",
          "language": "en",
          "role": "topic",
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        {
          "value": "contributions",
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        {
          "value": "future value",
          "language": "en",
          "role": "topic",
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        {
          "value": "future value with contributions",
          "language": "en",
          "role": "topic",
          "weight": 0.7
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        {
          "value": "growth",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "investment",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "investment-growth-portfolio-modeling",
          "language": "en",
          "role": "topic",
          "weight": 0.45
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        {
          "value": "periodic contributions",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "projection",
          "language": "en",
          "role": "topic",
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        },
        {
          "value": "recurring deposits",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "you",
          "language": "en",
          "role": "topic",
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      ],
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        "en": {
          "language": "en",
          "title": "Future Value Calculator",
          "description": "Free future value calculator for savings and investment planning with recurring contributions. For lump-sum growth without deposits, use the Compound Growth Calculator.",
          "url": "/calculators/future-value/",
          "category": "investment-growth-portfolio-modeling",
          "pillar": "assets"
        },
        "fr": {
          "language": "fr",
          "title": "Calculateur de valeur future",
          "description": "Calculateur canadien de valeur future pour l'épargne et les placements avec cotisations périodiques.",
          "url": "/fr/calculators/future-value/",
          "category": "investment-growth-portfolio-modeling",
          "pillar": "assets"
        },
        "zh": {
          "language": "zh",
          "title": "未来价值计算器",
          "description": "用于储蓄和投资规划的未来价值计算器，可包括定期供款。",
          "url": "/zh/calculators/future-value/",
          "category": "investment-growth-portfolio-modeling",
          "pillar": "assets"
        }
      }
    },
    {
      "id": "calculator:gis",
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        {
          "value": "Allowance",
          "language": "en",
          "role": "intent",
          "weight": 0.95
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        {
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          "role": "intent",
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        {
          "value": "Allowance for the Survivor",
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        {
          "value": "GIS benefit amount",
          "language": "en",
          "role": "intent",
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        {
          "value": "GIS estimate",
          "language": "en",
          "role": "intent",
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        {
          "value": "GIS estimates",
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          "role": "intent",
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        {
          "value": "Guaranteed Income Supplement",
          "language": "en",
          "role": "intent",
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        {
          "value": "Guaranteed Income Supplement calculator",
          "language": "en",
          "role": "intent",
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        {
          "value": "low income senior benefit",
          "language": "en",
          "role": "intent",
          "weight": 0.95
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        {
          "value": "Low-income retirement benefit screening",
          "language": "en",
          "role": "intent",
          "weight": 0.65
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        {
          "value": "GIS Calculator",
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          "role": "name",
          "weight": 1
        },
        {
          "value": "Screen GIS, Allowance, or Allowance for the Survivor using current-quarter maximums, income thresholds, eligibility flags, and working-income assumptions.",
          "language": "en",
          "role": "supporting",
          "weight": 0.45
        },
        {
          "value": "allowance",
          "language": "en",
          "role": "topic",
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        {
          "value": "allowance for the survivor",
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          "role": "topic",
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          "language": "en",
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          "value": "gis",
          "language": "en",
          "role": "topic",
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        {
          "value": "GIS benefits",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "GIS income test",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "government benefits",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "government-benefits",
          "language": "en",
          "role": "topic",
          "weight": 0.45
        },
        {
          "value": "guaranteed income supplement",
          "language": "en",
          "role": "topic",
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        {
          "value": "retirement income",
          "language": "en",
          "role": "topic",
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        },
        {
          "value": "retirement-readiness",
          "language": "en",
          "role": "topic",
          "weight": 0.45
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      ],
      "versions": {
        "en": {
          "language": "en",
          "title": "GIS Calculator",
          "description": "Free GIS calculator from OpenBook Planning. Screen Guaranteed Income Supplement, Allowance, and Allowance for the Survivor amounts using current Canada.ca maximums, thresholds, and income assumptions.",
          "url": "/calculators/gis/",
          "category": "government-benefits",
          "pillar": "retirement-readiness"
        },
        "fr": {
          "language": "fr",
          "title": "Calculateur du SRG",
          "description": "Calculateur gratuit du SRG d’OpenBook Planning. Estimation préliminaire du Supplément de revenu garanti, de l’Allocation et de l’Allocation au survivant selon les maximums, seuils et hypothèses de revenu de Canada.ca.",
          "url": "/fr/calculators/gis/",
          "category": "government-benefits",
          "pillar": "retirement-readiness"
        },
        "zh": {
          "language": "zh",
          "title": "GIS 计算器",
          "description": "OpenBook Planning 的免费 GIS 计算器。根据 Canada.ca 当前最高金额、收入门槛和收入假设，筛查 GIS、津贴和遗属津贴。",
          "url": "/zh/calculators/gis/",
          "category": "government-benefits",
          "pillar": "retirement-readiness"
        }
      }
    },
    {
      "id": "calculator:holding-period-return",
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      "retrievalTerms": [
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          "language": "en",
          "role": "alias",
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        {
          "value": "Income Return Calculator",
          "language": "en",
          "role": "alias",
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        {
          "value": "Investment Return Calculator",
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          "role": "alias",
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        {
          "value": "Price Return Calculator",
          "language": "en",
          "role": "alias",
          "weight": 1
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        {
          "value": "Total Return Calculator",
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          "role": "alias",
          "weight": 1
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        {
          "value": "annualized return",
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        {
          "value": "holding period return",
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        {
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          "value": "income return",
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        {
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          "role": "intent",
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        },
        {
          "value": "Measure the return from one investment, account, or holding period using beginning value, ending value, and cash income received outside the ending value.",
          "language": "en",
          "role": "intent",
          "weight": 0.65
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        {
          "value": "price return",
          "language": "en",
          "role": "intent",
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        {
          "value": "total return",
          "language": "en",
          "role": "intent",
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        {
          "value": "Holding Period Return Calculator",
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          "role": "name",
          "weight": 1
        },
        {
          "value": "Estimate holding period return, total return, price return, income return, dollar gain or loss, and annualized return.",
          "language": "en",
          "role": "supporting",
          "weight": 0.45
        },
        {
          "value": "annualized return",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "assets",
          "language": "en",
          "role": "topic",
          "weight": 0.45
        },
        {
          "value": "capital appreciation",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "cash-flow",
          "language": "en",
          "role": "topic",
          "weight": 0.45
        },
        {
          "value": "dividend return",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "holding period return",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "HPR",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "income return",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "investment return",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "investment-growth-portfolio-modeling",
          "language": "en",
          "role": "topic",
          "weight": 0.45
        },
        {
          "value": "price return",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "return calculator",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "total return",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        }
      ],
      "versions": {
        "en": {
          "language": "en",
          "title": "Holding Period Return Calculator",
          "description": "Free holding period return calculator from OpenBook Planning. Estimate total return, price return, income return, dollar gain or loss, and annualized return.",
          "url": "/calculators/holding-period-return/",
          "category": "investment-growth-portfolio-modeling",
          "pillar": "assets"
        },
        "fr": {
          "language": "fr",
          "title": "Calculateur de rendement sur période de détention",
          "description": "Calculateur gratuit de rendement sur période de détention d’OpenBook Planning. Estimez le rendement total, le rendement du prix, le rendement du revenu, le gain ou la perte en dollars et le rendement annualisé.",
          "url": "/fr/calculators/holding-period-return/",
          "category": "investment-growth-portfolio-modeling",
          "pillar": "assets"
        },
        "zh": {
          "language": "zh",
          "title": "持有期回报率计算器",
          "description": "按期初、期末价值及另行收到的现金收入，估算持有期间的总回报率，并列出价格变动和现金收入的贡献。",
          "url": "/zh/calculators/holding-period-return/",
          "category": "investment-growth-portfolio-modeling",
          "pillar": "assets"
        }
      }
    },
    {
      "id": "calculator:affordability-check",
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        {
          "value": "GDS",
          "language": "en",
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          "weight": 0.95
        },
        {
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          "language": "en",
          "role": "intent",
          "weight": 0.95
        },
        {
          "value": "Make a quick debt-service based estimate of mortgage payment capacity and home price support.",
          "language": "en",
          "role": "intent",
          "weight": 0.65
        },
        {
          "value": "mortgage",
          "language": "en",
          "role": "intent",
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        {
          "value": "qualify",
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          "language": "en",
          "role": "intent",
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        {
          "value": "Home Affordability Check",
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        {
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        {
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          "language": "en",
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          "value": "GDS",
          "language": "en",
          "role": "topic",
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        {
          "value": "home affordability",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "mortgage",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "mortgage-debt",
          "language": "en",
          "role": "topic",
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        },
        {
          "value": "qualify",
          "language": "en",
          "role": "topic",
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        },
        {
          "value": "TDS",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        }
      ],
      "versions": {
        "en": {
          "language": "en",
          "title": "Home Affordability Check",
          "description": "Free home affordability check from OpenBook Planning. Back-of-envelope mortgage affordability using entered debt-service limits.",
          "url": "/calculators/affordability-check/",
          "category": "mortgage-debt",
          "pillar": "cash-flow"
        },
        "fr": {
          "language": "fr",
          "title": "Vérification d'abordabilité d'une maison",
          "description": "Vérification gratuite de l'abordabilité d'une maison d'OpenBook Planning, fondée sur les limites de service de la dette saisies.",
          "url": "/fr/calculators/affordability-check/",
          "category": "mortgage-debt",
          "pillar": "cash-flow"
        },
        "zh": {
          "language": "zh",
          "title": "购房负担能力计算器",
          "description": "根据家庭税前收入、现有还款和设定的住房支出比例，估算可用于房贷月供的金额及对应房价。",
          "url": "/zh/calculators/affordability-check/",
          "category": "mortgage-debt",
          "pillar": "cash-flow"
        }
      }
    },
    {
      "id": "calculator:home-planner",
      "type": "calculator",
      "concepts": [],
      "retrievalTerms": [
        {
          "value": "affordability",
          "language": "en",
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          "value": "closing costs",
          "language": "en",
          "role": "intent",
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        {
          "value": "down payment",
          "language": "en",
          "role": "intent",
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        },
        {
          "value": "home purchase",
          "language": "en",
          "role": "intent",
          "weight": 0.95
        },
        {
          "value": "Link a future home price, projected savings, down payment, closing costs, mortgage payment, and debt-service ratios in one first-pass estimate.",
          "language": "en",
          "role": "intent",
          "weight": 0.65
        },
        {
          "value": "mortgage",
          "language": "en",
          "role": "intent",
          "weight": 0.95
        },
        {
          "value": "Home Purchase Planner",
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          "role": "name",
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        },
        {
          "value": "Plan a future home purchase across savings, cash needed, mortgage payment, and affordability ratios.",
          "language": "en",
          "role": "supporting",
          "weight": 0.45
        },
        {
          "value": "affordability",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "assets",
          "language": "en",
          "role": "topic",
          "weight": 0.45
        },
        {
          "value": "cash-flow",
          "language": "en",
          "role": "topic",
          "weight": 0.45
        },
        {
          "value": "closing costs",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "down payment",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "home purchase",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "liabilities",
          "language": "en",
          "role": "topic",
          "weight": 0.45
        },
        {
          "value": "mortgage",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "mortgage-debt",
          "language": "en",
          "role": "topic",
          "weight": 0.45
        }
      ],
      "versions": {
        "en": {
          "language": "en",
          "title": "Home Purchase Planner",
          "description": "Free home purchase planner from OpenBook Planning. Plan a future home purchase across savings, cash needed, mortgage payment, and affordability ratios.",
          "url": "/calculators/home-planner/",
          "category": "mortgage-debt",
          "pillar": "cash-flow"
        },
        "fr": {
          "language": "fr",
          "title": "Planificateur d'achat d'une propriété",
          "description": "Planificateur gratuit d'achat d'une propriété d'OpenBook Planning. Planifiez un achat futur avec l'épargne, les liquidités requises, le paiement hypothécaire et les ratios d'abordabilité.",
          "url": "/fr/calculators/home-planner/",
          "category": "mortgage-debt",
          "pillar": "cash-flow"
        },
        "zh": {
          "language": "zh",
          "title": "购房规划计算器",
          "description": "估算购房时的房价、首付和交割费用，比较届时可积累的储蓄，并查看预计房贷月供和住房支出比例。",
          "url": "/zh/calculators/home-planner/",
          "category": "mortgage-debt",
          "pillar": "cash-flow"
        }
      }
    },
    {
      "id": "calculator:home-sale",
      "type": "calculator",
      "concepts": [],
      "retrievalTerms": [
        {
          "value": "Future home purchase funding",
          "language": "en",
          "role": "intent",
          "weight": 0.65
        },
        {
          "value": "Home sale proceeds",
          "language": "en",
          "role": "intent",
          "weight": 0.65
        },
        {
          "value": "Upsize or downsize planning",
          "language": "en",
          "role": "intent",
          "weight": 0.65
        },
        {
          "value": "Home Sale Proceeds Calculator",
          "language": "en",
          "role": "name",
          "weight": 1
        },
        {
          "value": "Estimate cash available after selling a property, repaying mortgage or secured debt, paying entered selling costs, and setting aside cash.",
          "language": "en",
          "role": "supporting",
          "weight": 0.45
        },
        {
          "value": "assets",
          "language": "en",
          "role": "topic",
          "weight": 0.45
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        {
          "value": "cash-flow",
          "language": "en",
          "role": "topic",
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        {
          "value": "downsize",
          "language": "en",
          "role": "topic",
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        {
          "value": "home purchase",
          "language": "en",
          "role": "topic",
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        },
        {
          "value": "home sale",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "liabilities",
          "language": "en",
          "role": "topic",
          "weight": 0.45
        },
        {
          "value": "mortgage payout",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "mortgage-debt",
          "language": "en",
          "role": "topic",
          "weight": 0.45
        },
        {
          "value": "moving",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "property equity",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "sale proceeds",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "secured debt",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "selling costs",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "upsize",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        }
      ],
      "versions": {
        "en": {
          "language": "en",
          "title": "Home Sale Proceeds Calculator",
          "description": "Free home sale proceeds calculator estimating cash available after selling costs, mortgage repayment, secured debt repayment, and cash kept aside.",
          "url": "/calculators/home-sale/",
          "category": "mortgage-debt",
          "pillar": "assets"
        },
        "fr": {
          "language": "fr",
          "title": "Calculateur du produit net de vente",
          "description": "Estimation du montant disponible après la vente d’une propriété, le remboursement des dettes garanties, les frais de vente et une réserve de trésorerie.",
          "url": "/fr/calculators/home-sale/",
          "category": "mortgage-debt",
          "pillar": "assets"
        },
        "zh": {
          "language": "zh",
          "title": "房屋出售净得款计算器",
          "description": "估算售房款在偿还房贷及其他担保债务、支付售房费用后还剩多少，以及预留现金后可用于下次购房的金额。",
          "url": "/zh/calculators/home-sale/",
          "category": "mortgage-debt",
          "pillar": "assets"
        }
      }
    },
    {
      "id": "calculator:house-down-payment-goal",
      "type": "calculator",
      "concepts": [],
      "retrievalTerms": [
        {
          "value": "Down payment savings",
          "language": "en",
          "role": "intent",
          "weight": 0.65
        },
        {
          "value": "down_payment_savings",
          "language": "en",
          "role": "intent",
          "weight": 0.95
        },
        {
          "value": "Home purchase planning",
          "language": "en",
          "role": "intent",
          "weight": 0.65
        },
        {
          "value": "home_purchase",
          "language": "en",
          "role": "intent",
          "weight": 0.95
        },
        {
          "value": "Savings targets",
          "language": "en",
          "role": "intent",
          "weight": 0.65
        },
        {
          "value": "House Down Payment Goal Calculator",
          "language": "en",
          "role": "name",
          "weight": 1
        },
        {
          "value": "Estimate a moving home-purchase cash target and saving pace using a home price growth assumption.",
          "language": "en",
          "role": "supporting",
          "weight": 0.45
        },
        {
          "value": "assets",
          "language": "en",
          "role": "topic",
          "weight": 0.45
        },
        {
          "value": "cash flow",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "cash-flow",
          "language": "en",
          "role": "topic",
          "weight": 0.45
        },
        {
          "value": "closing costs",
          "language": "en",
          "role": "topic",
          "weight": 0.7
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        {
          "value": "down payment",
          "language": "en",
          "role": "topic",
          "weight": 0.7
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        {
          "value": "goal planning",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "home purchase",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "house down payment",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "liabilities",
          "language": "en",
          "role": "topic",
          "weight": 0.45
        },
        {
          "value": "mortgage",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "mortgage-debt",
          "language": "en",
          "role": "topic",
          "weight": 0.45
        },
        {
          "value": "savings goal",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "you",
          "language": "en",
          "role": "topic",
          "weight": 0.45
        }
      ],
      "versions": {
        "en": {
          "language": "en",
          "title": "House Down Payment Goal Calculator",
          "description": "Free house down payment goal calculator estimating a moving home-purchase cash target and saving pace.",
          "url": "/calculators/house-down-payment-goal/",
          "category": "mortgage-debt",
          "pillar": "cash-flow"
        },
        "fr": {
          "language": "fr",
          "title": "Calculateur d'objectif de mise de fonds",
          "description": "Calculateur gratuit d'objectif de mise de fonds qui estime une cible de trésorerie évolutive pour l'achat d'une propriété et le rythme d'épargne requis.",
          "url": "/fr/calculators/house-down-payment-goal/",
          "category": "mortgage-debt",
          "pillar": "cash-flow"
        },
        "zh": {
          "language": "zh",
          "title": "购房首付款目标计算器",
          "description": "按计划购房时间、房价变化、交割费用和储蓄计划，估算首付及其他购房资金是否足够。",
          "url": "/zh/calculators/house-down-payment-goal/",
          "category": "mortgage-debt",
          "pillar": "cash-flow"
        }
      }
    },
    {
      "id": "calculator:human-capital",
      "type": "calculator",
      "concepts": [],
      "retrievalTerms": [
        {
          "value": "Future earnings value calculator",
          "language": "en",
          "role": "alias",
          "weight": 1
        },
        {
          "value": "HLV calculator",
          "language": "en",
          "role": "alias",
          "weight": 1
        },
        {
          "value": "Human Life Value",
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          "role": "alias",
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        },
        {
          "value": "Human Life Value Calculator",
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          "role": "alias",
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        {
          "value": "Income value calculator",
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          "role": "alias",
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        {
          "value": "career income",
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        {
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        {
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        {
          "value": "income risk",
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        {
          "value": "income stream present value",
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        {
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        {
          "value": "work income",
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        },
        {
          "value": "Human Capital Calculator",
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        },
        {
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          "language": "en",
          "role": "supporting",
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        {
          "value": "assets",
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        {
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          "role": "topic",
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        {
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        {
          "value": "HLV",
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        {
          "value": "human capital",
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        {
          "value": "Human Life Value",
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        {
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          "role": "topic",
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        {
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          "role": "topic",
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        {
          "value": "Income value calculator",
          "language": "en",
          "role": "topic",
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        },
        {
          "value": "insurance",
          "language": "en",
          "role": "topic",
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        },
        {
          "value": "insurance-and-risk",
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        },
        {
          "value": "present value",
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        },
        {
          "value": "retirement-readiness",
          "language": "en",
          "role": "topic",
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        {
          "value": "risk",
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          "role": "topic",
          "weight": 0.7
        }
      ],
      "versions": {
        "en": {
          "language": "en",
          "title": "Human Capital Calculator",
          "description": "Free human capital calculator from OpenBook Planning. Estimate the present value of future earned income using income growth, discount rate, and work-year assumptions.",
          "url": "/calculators/human-capital/",
          "category": "core-math-financial-foundations",
          "pillar": "assets"
        },
        "fr": {
          "language": "fr",
          "title": "Calculateur du capital humain",
          "description": "Calculateur gratuit du capital humain d'OpenBook Planning. Estimez la valeur actuelle du revenu de travail futur à partir d'hypothèses de croissance du revenu, de taux d'actualisation et d'années de travail.",
          "url": "/fr/calculators/human-capital/",
          "category": "core-math-financial-foundations",
          "pillar": "assets"
        },
        "zh": {
          "language": "zh",
          "title": "人力资本计算器",
          "description": "OpenBook Planning 免费人力资本计算器。根据收入增长、折现率和工作年数假设，估算未来劳动收入的现值。",
          "url": "/zh/calculators/human-capital/",
          "category": "core-math-financial-foundations",
          "pillar": "assets"
        }
      }
    },
    {
      "id": "calculator:income-replacement",
      "type": "calculator",
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        {
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        },
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        },
        {
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        {
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      ],
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          "title": "Income Replacement Calculator",
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          "url": "/calculators/income-replacement/",
          "category": "retirement-planning",
          "pillar": "cash-flow"
        },
        "fr": {
          "language": "fr",
          "title": "Calculateur de remplacement du revenu",
          "description": "Calculateur gratuit de remplacement du revenu d'OpenBook Planning. Estimez un écart de revenu et un besoin de capital simplifié.",
          "url": "/fr/calculators/income-replacement/",
          "category": "retirement-planning",
          "pillar": "cash-flow"
        },
        "zh": {
          "language": "zh",
          "title": "收入替代计算器",
          "description": "OpenBook Planning 免费收入替代计算器。估算每年的收入缺口，以及弥补缺口所需的资金。",
          "url": "/zh/calculators/income-replacement/",
          "category": "retirement-planning",
          "pillar": "cash-flow"
        }
      }
    },
    {
      "id": "calculator:inflation-impact",
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        {
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        {
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          "role": "intent",
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        {
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          "role": "name",
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          "role": "supporting",
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          "language": "en",
          "title": "Inflation Impact Calculator",
          "description": "Free Canadian inflation impact calculator showing how inflation changes future costs and purchasing power over time.",
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          "category": "investment-growth-portfolio-modeling",
          "pillar": "cash-flow"
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          "title": "Calculateur d’effet de l’inflation",
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          "pillar": "cash-flow"
        },
        "zh": {
          "language": "zh",
          "title": "通胀影响计算器",
          "description": "加拿大通胀影响计算器，用于显示通胀如何随时间改变未来成本和购买力。",
          "url": "/zh/calculators/inflation-impact/",
          "category": "investment-growth-portfolio-modeling",
          "pillar": "cash-flow"
        }
      }
    },
    {
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        {
          "value": "family protection",
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        {
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        {
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        {
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          "role": "topic",
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        {
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        {
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          "role": "topic",
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        {
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          "role": "topic",
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        },
        {
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        {
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          "language": "fr",
          "title": "Calculateur des besoins d'assurance",
          "description": "Calculateur gratuit des besoins d'assurance vie d'OpenBook Planning. Estimez un écart simplifié de couverture à partir des dettes, du soutien du revenu, des objectifs, des actifs existants et de la couverture existante.",
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          "category": "core-math-financial-foundations",
          "pillar": "insurance-and-risk"
        },
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          "language": "zh",
          "title": "保险需求计算器",
          "description": "汇总债务、身后事务开支、遗属生活费和其他资金需求，再扣除可用资产与现有寿险保额，估算资金缺口。",
          "url": "/zh/calculators/insurance-needs/",
          "category": "core-math-financial-foundations",
          "pillar": "insurance-and-risk"
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      }
    },
    {
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        {
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          "language": "en",
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        {
          "value": "Cash-flow tradeoff review",
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        {
          "value": "use cash to invest or pay debt",
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          "role": "intent",
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        {
          "value": "Invest or Pay Down Mortgage?",
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          "role": "name",
          "weight": 1
        },
        {
          "value": "Compare investing available cash with using the same cash to pay down a personal mortgage, using taxable income or an entered marginal tax rate for the simplified investment tax-cost assumption.",
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          "role": "supporting",
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        },
        {
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          "role": "topic",
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        {
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        },
        {
          "value": "debt",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "home ownership",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "interest savings",
          "language": "en",
          "role": "topic",
          "weight": 0.7
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        {
          "value": "invest or pay mortgage",
          "language": "en",
          "role": "topic",
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        {
          "value": "investment return",
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          "role": "topic",
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          "role": "topic",
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          "role": "topic",
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        },
        {
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          "role": "topic",
          "weight": 0.7
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        {
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      ],
      "versions": {
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          "language": "en",
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          "url": "/calculators/invest-vs-mortgage-payoff/",
          "category": "investment-growth-portfolio-modeling",
          "pillar": "liabilities"
        },
        "fr": {
          "language": "fr",
          "title": "Investir ou rembourser l'hypothèque?",
          "description": "Comparez l'investissement d'une somme disponible avec son utilisation pour rembourser une hypothèque, selon une hypothèse de coût fiscal du placement fondée sur le revenu imposable ou un taux marginal saisi.",
          "url": "/fr/calculators/invest-vs-mortgage-payoff/",
          "category": "investment-growth-portfolio-modeling",
          "pillar": "liabilities"
        },
        "zh": {
          "language": "zh",
          "title": "投资还是提前还房贷？",
          "description": "比较把可用现金用于投资，或用同一笔现金提前偿还房贷；投资税务成本假设可基于应税收入或输入边际税率。",
          "url": "/zh/calculators/invest-vs-mortgage-payoff/",
          "category": "investment-growth-portfolio-modeling",
          "pillar": "liabilities"
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      }
    },
    {
      "id": "calculator:investment-fee-impact",
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          "role": "alias",
          "weight": 1
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        {
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          "role": "alias",
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        {
          "value": "MER Impact Calculator",
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        {
          "value": "Portfolio Fee Impact Calculator",
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        {
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        {
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        {
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        {
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        {
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        {
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          "role": "supporting",
          "weight": 0.45
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        {
          "value": "assets",
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        {
          "value": "compounding",
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        {
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        {
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          "role": "topic",
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        {
          "value": "investment costs",
          "language": "en",
          "role": "topic",
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        {
          "value": "investment fees",
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        {
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          "url": "/fr/calculators/investment-fee-impact/",
          "category": "investment-growth-portfolio-modeling",
          "pillar": "assets"
        },
        "zh": {
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          "title": "投资费用影响计算器",
          "description": "估算年度投资费用可能如何影响长期投资组合增长，并在你的假设下比较扣费前和扣费后的投资组合预测。",
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          "category": "investment-growth-portfolio-modeling",
          "pillar": "assets"
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      }
    },
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      "id": "calculator:irr",
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          "value": "investment-growth-portfolio-modeling",
          "language": "en",
          "role": "topic",
          "weight": 0.45
        },
        {
          "value": "IRR",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "project return",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        }
      ],
      "versions": {
        "en": {
          "language": "en",
          "title": "IRR Calculator",
          "description": "Free IRR calculator from OpenBook Planning. Estimate internal rate of return from an initial outlay, level annual cash flow, optional terminal value, and comparison discount rate.",
          "url": "/calculators/irr/",
          "category": "investment-growth-portfolio-modeling",
          "pillar": "assets"
        },
        "fr": {
          "language": "fr",
          "title": "Calculateur de TRI",
          "description": "Calculateur gratuit du taux de rendement interne d’OpenBook Planning. Estimez le TRI à partir d’un débours initial, de flux de trésorerie récurrents, d’une période de détention, d’une valeur terminale facultative et d’un taux d’actualisation de comparaison.",
          "url": "/fr/calculators/irr/",
          "category": "investment-growth-portfolio-modeling",
          "pillar": "assets"
        },
        "zh": {
          "language": "zh",
          "title": "内部收益率（IRR）计算器",
          "description": "根据初始投入、定期现金收入、收款时间及持有期限，估算年化内部收益率（IRR）。",
          "url": "/zh/calculators/irr/",
          "category": "investment-growth-portfolio-modeling",
          "pillar": "assets"
        }
      }
    },
    {
      "id": "calculator:leverage-ratios",
      "type": "calculator",
      "concepts": [],
      "retrievalTerms": [
        {
          "value": "Analyze capital structure and balance sheet leverage from user-entered amounts.",
          "language": "en",
          "role": "intent",
          "weight": 0.65
        },
        {
          "value": "capital structure",
          "language": "en",
          "role": "intent",
          "weight": 0.95
        },
        {
          "value": "debt ratio",
          "language": "en",
          "role": "intent",
          "weight": 0.95
        },
        {
          "value": "debt-to-equity",
          "language": "en",
          "role": "intent",
          "weight": 0.95
        },
        {
          "value": "equity ratio",
          "language": "en",
          "role": "intent",
          "weight": 0.95
        },
        {
          "value": "leverage ratios",
          "language": "en",
          "role": "intent",
          "weight": 0.95
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        {
          "value": "net debt",
          "language": "en",
          "role": "intent",
          "weight": 0.95
        },
        {
          "value": "Leverage Ratios Calculator",
          "language": "en",
          "role": "name",
          "weight": 1
        },
        {
          "value": "Estimate debt-to-equity, liabilities-to-equity, debt ratio, equity ratio, and net debt from entered balance sheet amounts.",
          "language": "en",
          "role": "supporting",
          "weight": 0.45
        },
        {
          "value": "accounting",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "assets",
          "language": "en",
          "role": "topic",
          "weight": 0.45
        },
        {
          "value": "balance sheet",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "cash-flow",
          "language": "en",
          "role": "topic",
          "weight": 0.45
        },
        {
          "value": "core-math-financial-foundations",
          "language": "en",
          "role": "topic",
          "weight": 0.45
        },
        {
          "value": "debt ratio",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "debt-to-equity",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "equity ratio",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "financial statement analysis",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "leverage ratios",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "liabilities",
          "language": "en",
          "role": "topic",
          "weight": 0.45
        },
        {
          "value": "net debt",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        }
      ],
      "versions": {
        "en": {
          "language": "en",
          "title": "Leverage Ratios Calculator",
          "description": "Free leverage ratios calculator from OpenBook Planning. Estimate debt-to-equity, liabilities-to-equity, debt ratio, equity ratio, and net debt from balance sheet inputs.",
          "url": "/calculators/leverage-ratios/",
          "category": "core-math-financial-foundations",
          "pillar": "liabilities"
        },
        "fr": {
          "language": "fr",
          "title": "Calculateur de ratios d’endettement",
          "description": "Calculateur gratuit de ratios d’endettement d’OpenBook Planning. Estimez le ratio dette/capitaux propres, le ratio passifs/capitaux propres, le ratio d’endettement, le ratio de capitaux propres et la dette nette à partir des données du bilan.",
          "url": "/fr/calculators/leverage-ratios/",
          "category": "core-math-financial-foundations",
          "pillar": "liabilities"
        },
        "zh": {
          "language": "zh",
          "title": "杠杆比率计算器",
          "description": "根据债务、其他负债、资产、股东权益和现金，估算杠杆比率及净债务。",
          "url": "/zh/calculators/leverage-ratios/",
          "category": "core-math-financial-foundations",
          "pillar": "liabilities"
        }
      }
    },
    {
      "id": "calculator:lifetime-giving",
      "type": "calculator",
      "concepts": [],
      "retrievalTerms": [
        {
          "value": "charitable giving",
          "language": "en",
          "role": "intent",
          "weight": 0.95
        },
        {
          "value": "Estimate how an annual gift stream may compare with a lifetime giving target.",
          "language": "en",
          "role": "intent",
          "weight": 0.65
        },
        {
          "value": "family gifts",
          "language": "en",
          "role": "intent",
          "weight": 0.95
        },
        {
          "value": "gifting plan",
          "language": "en",
          "role": "intent",
          "weight": 0.95
        },
        {
          "value": "give during lifetime",
          "language": "en",
          "role": "intent",
          "weight": 0.95
        },
        {
          "value": "legacy giving",
          "language": "en",
          "role": "intent",
          "weight": 0.95
        },
        {
          "value": "lifetime giving",
          "language": "en",
          "role": "intent",
          "weight": 0.95
        },
        {
          "value": "Lifetime Giving Calculator",
          "language": "en",
          "role": "name",
          "weight": 1
        },
        {
          "value": "Estimate an annual gift stream and compare total gifts with an entered target.",
          "language": "en",
          "role": "supporting",
          "weight": 0.45
        },
        {
          "value": "assets",
          "language": "en",
          "role": "topic",
          "weight": 0.45
        },
        {
          "value": "cash-flow",
          "language": "en",
          "role": "topic",
          "weight": 0.45
        },
        {
          "value": "charitable giving",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "estate planning",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "estate-planning",
          "language": "en",
          "role": "topic",
          "weight": 0.45
        },
        {
          "value": "family support",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "gifting",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "legacy",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "lifetime giving",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "tax-optimization",
          "language": "en",
          "role": "topic",
          "weight": 0.45
        }
      ],
      "versions": {
        "en": {
          "language": "en",
          "title": "Lifetime Giving Calculator",
          "description": "Free lifetime giving calculator from OpenBook Planning. Estimate an annual gift stream and compare total giving with a target.",
          "url": "/calculators/lifetime-giving/",
          "category": "estate-planning",
          "pillar": "cash-flow"
        },
        "fr": {
          "language": "fr",
          "title": "Calculateur de dons viagers",
          "description": "Calculateur gratuit de dons viagers d'OpenBook Planning. Estimez une série de dons annuels et comparez le total des dons avec un objectif.",
          "url": "/fr/calculators/lifetime-giving/",
          "category": "estate-planning",
          "pillar": "cash-flow"
        },
        "zh": {
          "language": "zh",
          "title": "生前赠与计算器",
          "description": "按每年赠与的金额和持续年数，估算累计赠与能否达到所设目标，并另行测算储备金的增长。",
          "url": "/zh/calculators/lifetime-giving/",
          "category": "estate-planning",
          "pillar": "cash-flow"
        }
      }
    },
    {
      "id": "calculator:loc-payoff",
      "type": "calculator",
      "concepts": [],
      "retrievalTerms": [
        {
          "value": "debt",
          "language": "en",
          "role": "intent",
          "weight": 0.95
        },
        {
          "value": "Estimate how monthly and extra payments could change the payoff time and interest on a line of credit.",
          "language": "en",
          "role": "intent",
          "weight": 0.65
        },
        {
          "value": "interest",
          "language": "en",
          "role": "intent",
          "weight": 0.95
        },
        {
          "value": "line of credit",
          "language": "en",
          "role": "intent",
          "weight": 0.95
        },
        {
          "value": "payoff",
          "language": "en",
          "role": "intent",
          "weight": 0.95
        },
        {
          "value": "Line of Credit Payoff Calculator",
          "language": "en",
          "role": "name",
          "weight": 1
        },
        {
          "value": "Estimate payoff time, interest, and target payment for a line of credit.",
          "language": "en",
          "role": "supporting",
          "weight": 0.45
        },
        {
          "value": "cash-flow",
          "language": "en",
          "role": "topic",
          "weight": 0.45
        },
        {
          "value": "debt",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "interest",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "line of credit",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "mortgage-debt",
          "language": "en",
          "role": "topic",
          "weight": 0.45
        },
        {
          "value": "payoff",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        }
      ],
      "versions": {
        "en": {
          "language": "en",
          "title": "Line of Credit Payoff Calculator",
          "description": "Free line of credit payoff calculator from OpenBook Planning. Estimate payoff time, interest, and target payment for a line of credit.",
          "url": "/calculators/loc-payoff/",
          "category": "mortgage-debt",
          "pillar": "cash-flow"
        },
        "fr": {
          "language": "fr",
          "title": "Calculateur de remboursement de marge de crédit",
          "description": "Calculateur gratuit de remboursement de marge de crédit d'OpenBook Planning. Estimez le délai de remboursement, le coût d'intérêt et le paiement requis.",
          "url": "/fr/calculators/loc-payoff/",
          "category": "mortgage-debt",
          "pillar": "cash-flow"
        },
        "zh": {
          "language": "zh",
          "title": "信用额度还款计算器",
          "description": "OpenBook Planning 免费信用额度还款计算器。估算还清时间、利息成本和所需付款额。",
          "url": "/zh/calculators/loc-payoff/",
          "category": "mortgage-debt",
          "pillar": "cash-flow"
        }
      }
    },
    {
      "id": "calculator:liquidity-ratios",
      "type": "calculator",
      "concepts": [],
      "retrievalTerms": [
        {
          "value": "Analyze short-term liquidity using balance sheet inputs.",
          "language": "en",
          "role": "intent",
          "weight": 0.65
        },
        {
          "value": "balance sheet liquidity",
          "language": "en",
          "role": "intent",
          "weight": 0.95
        },
        {
          "value": "cash ratio",
          "language": "en",
          "role": "intent",
          "weight": 0.95
        },
        {
          "value": "current ratio",
          "language": "en",
          "role": "intent",
          "weight": 0.95
        },
        {
          "value": "liquidity ratios",
          "language": "en",
          "role": "intent",
          "weight": 0.95
        },
        {
          "value": "quick ratio",
          "language": "en",
          "role": "intent",
          "weight": 0.95
        },
        {
          "value": "working capital",
          "language": "en",
          "role": "intent",
          "weight": 0.95
        },
        {
          "value": "Liquidity Ratios Calculator",
          "language": "en",
          "role": "name",
          "weight": 1
        },
        {
          "value": "Estimate current ratio, quick ratio, cash ratio, and working capital from entered balance sheet components.",
          "language": "en",
          "role": "supporting",
          "weight": 0.45
        },
        {
          "value": "accounting",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "assets",
          "language": "en",
          "role": "topic",
          "weight": 0.45
        },
        {
          "value": "balance sheet",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "cash ratio",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "cash-flow",
          "language": "en",
          "role": "topic",
          "weight": 0.45
        },
        {
          "value": "core-math-financial-foundations",
          "language": "en",
          "role": "topic",
          "weight": 0.45
        },
        {
          "value": "current ratio",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "financial statement analysis",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "liabilities",
          "language": "en",
          "role": "topic",
          "weight": 0.45
        },
        {
          "value": "liquidity ratios",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "quick ratio",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "working capital",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        }
      ],
      "versions": {
        "en": {
          "language": "en",
          "title": "Liquidity Ratios Calculator",
          "description": "Free liquidity ratios calculator from OpenBook Planning. Estimate current ratio, quick ratio, cash ratio, and working capital from balance sheet inputs.",
          "url": "/calculators/liquidity-ratios/",
          "category": "core-math-financial-foundations",
          "pillar": "cash-flow"
        },
        "fr": {
          "language": "fr",
          "title": "Calculateur de ratios de liquidité",
          "description": "Calculateur gratuit de ratios de liquidité d’OpenBook Planning. Estimez le ratio de liquidité générale, le ratio de liquidité immédiate, le ratio de trésorerie et le fonds de roulement à partir des données du bilan.",
          "url": "/fr/calculators/liquidity-ratios/",
          "category": "core-math-financial-foundations",
          "pillar": "cash-flow"
        },
        "zh": {
          "language": "zh",
          "title": "流动性比率计算器",
          "description": "根据各项流动资产和流动负债，估算流动比率、速动比率、现金比率和营运资本。",
          "url": "/zh/calculators/liquidity-ratios/",
          "category": "core-math-financial-foundations",
          "pillar": "cash-flow"
        }
      }
    },
    {
      "id": "calculator:living-expense",
      "type": "calculator",
      "concepts": [],
      "retrievalTerms": [
        {
          "value": "Emergency preparedness",
          "language": "en",
          "role": "intent",
          "weight": 0.65
        },
        {
          "value": "Monthly budgeting",
          "language": "en",
          "role": "intent",
          "weight": 0.65
        },
        {
          "value": "Retirement spending targets",
          "language": "en",
          "role": "intent",
          "weight": 0.65
        },
        {
          "value": "Living Expense Calculator",
          "language": "en",
          "role": "name",
          "weight": 1
        },
        {
          "value": "Estimate monthly and annual living expenses by category for cash-flow, retirement, debt, and emergency fund planning assumptions.",
          "language": "en",
          "role": "supporting",
          "weight": 0.45
        },
        {
          "value": "budgeting",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "cash flow",
          "language": "en",
          "role": "topic",
          "weight": 0.7
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        {
          "value": "cash-flow",
          "language": "en",
          "role": "topic",
          "weight": 0.45
        },
        {
          "value": "core-math-financial-foundations",
          "language": "en",
          "role": "topic",
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        {
          "value": "emergency fund",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "liabilities",
          "language": "en",
          "role": "topic",
          "weight": 0.45
        },
        {
          "value": "living expenses",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "retirement spending",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "retirement-readiness",
          "language": "en",
          "role": "topic",
          "weight": 0.45
        },
        {
          "value": "spending",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "you",
          "language": "en",
          "role": "topic",
          "weight": 0.45
        }
      ],
      "versions": {
        "en": {
          "language": "en",
          "title": "Living Expense Calculator",
          "description": "Simple educational living expense calculator for estimating monthly and annual expenses by category.",
          "url": "/calculators/living-expense/",
          "category": "core-math-financial-foundations",
          "pillar": "cash-flow"
        },
        "fr": {
          "language": "fr",
          "title": "Calculateur des dépenses de vie",
          "description": "Calculateur éducatif simple des dépenses de vie pour estimer les dépenses mensuelles et annuelles par catégorie.",
          "url": "/fr/calculators/living-expense/",
          "category": "core-math-financial-foundations",
          "pillar": "cash-flow"
        },
        "zh": {
          "language": "zh",
          "title": "生活支出计算器",
          "description": "用于按类别估算每月和每年生活支出的教育用途计算器。",
          "url": "/zh/calculators/living-expense/",
          "category": "core-math-financial-foundations",
          "pillar": "cash-flow"
        }
      }
    },
    {
      "id": "calculator:loan-payment",
      "type": "calculator",
      "concepts": [],
      "retrievalTerms": [
        {
          "value": "Affordability estimates",
          "language": "en",
          "role": "intent",
          "weight": 0.65
        },
        {
          "value": "Cash-flow planning",
          "language": "en",
          "role": "intent",
          "weight": 0.65
        },
        {
          "value": "Debt payments",
          "language": "en",
          "role": "intent",
          "weight": 0.65
        },
        {
          "value": "loan_payment",
          "language": "en",
          "role": "intent",
          "weight": 0.95
        },
        {
          "value": "Loan Payment Calculator",
          "language": "en",
          "role": "name",
          "weight": 1
        },
        {
          "value": "Estimate a loan payment using balance, rate, term, and payment frequency assumptions.",
          "language": "en",
          "role": "supporting",
          "weight": 0.45
        },
        {
          "value": "affordability",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "cash flow",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "cash-flow",
          "language": "en",
          "role": "topic",
          "weight": 0.45
        },
        {
          "value": "debt",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "liabilities",
          "language": "en",
          "role": "topic",
          "weight": 0.45
        },
        {
          "value": "loan",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "mortgage-debt",
          "language": "en",
          "role": "topic",
          "weight": 0.45
        },
        {
          "value": "payment",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        }
      ],
      "versions": {
        "en": {
          "language": "en",
          "title": "Loan Payment Calculator",
          "description": "Simple educational loan payment calculator using fixed-rate amortization assumptions.",
          "url": "/calculators/loan-payment/",
          "category": "mortgage-debt",
          "pillar": "liabilities"
        },
        "fr": {
          "language": "fr",
          "title": "Calculateur de paiement de prêt",
          "description": "Calculateur éducatif simple de paiement de prêt utilisant des hypothèses d'amortissement à taux fixe.",
          "url": "/fr/calculators/loan-payment/",
          "category": "mortgage-debt",
          "pillar": "liabilities"
        },
        "zh": {
          "language": "zh",
          "title": "贷款还款计算器",
          "description": "使用固定利率摊还假设的简化教育性贷款还款计算器。",
          "url": "/zh/calculators/loan-payment/",
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          "pillar": "liabilities"
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      }
    },
    {
      "id": "calculator:loan-refinance",
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      ],
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          "language": "zh",
          "title": "贷款再融资计算器",
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          "language": "fr",
          "title": "Calculateur d'objectif pour achat important",
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          "title": "大额购买目标计算器",
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          "pillar": "cash-flow"
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      }
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        {
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          "language": "fr",
          "title": "Calculateur du taux marginal effectif d’imposition",
          "description": "Estimez quelle part d’un revenu supplémentaire peut être réduite par l’impôt sur le revenu, les cotisations salariales et certaines règles de récupération de la SV.",
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          "pillar": "tax-optimization"
        },
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          "language": "zh",
          "title": "边际有效税率估算器",
          "description": "估算一笔新增收入可能有多少会因所得税、工资相关缴款和所选 OAS 追回税规则而减少。",
          "url": "/zh/calculators/marginal-effective-tax-rate/",
          "category": "tax-planning",
          "pillar": "tax-optimization"
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      }
    },
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          "language": "en",
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          "value": "Marginal Tax Calculator",
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        {
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          "value": "Tax Bracket Calculator",
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          "pillar": "tax-optimization"
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        "fr": {
          "language": "fr",
          "title": "Estimateur du taux marginal d'impôt",
          "description": "Estimateur éducatif simple du taux marginal d'impôt utilisant des hypothèses configurables de tranches d'impôt canadiennes.",
          "url": "/fr/calculators/marginal-tax-rate/",
          "category": "tax-planning",
          "pillar": "tax-optimization"
        },
        "zh": {
          "language": "zh",
          "title": "边际税率估算器",
          "description": "使用可配置加拿大税率级距假设的简明教育用途边际税率估算器。",
          "url": "/zh/calculators/marginal-tax-rate/",
          "category": "tax-planning",
          "pillar": "tax-optimization"
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      }
    },
    {
      "id": "calculator:mortgage-amortization",
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        {
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      ],
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          "language": "en",
          "title": "Mortgage Amortization Calculator",
          "description": "Simple educational mortgage amortization calculator showing principal and interest over time.",
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          "category": "mortgage-debt",
          "pillar": "liabilities"
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          "language": "fr",
          "title": "Calculateur d'amortissement hypothécaire",
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          "url": "/fr/calculators/mortgage-amortization/",
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          "pillar": "liabilities"
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          "language": "zh",
          "title": "房贷摊还计算器",
          "description": "简明的教育用途房贷摊还计算器，显示本金和利息随时间的变化。",
          "url": "/zh/calculators/mortgage-amortization/",
          "category": "mortgage-debt",
          "pillar": "liabilities"
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      }
    },
    {
      "id": "calculator:accelerated-mortgage-payment",
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        },
        {
          "value": "Mortgage prepayment review",
          "language": "en",
          "role": "intent",
          "weight": 0.65
        },
        {
          "value": "mortgage_extra_payment",
          "language": "en",
          "role": "intent",
          "weight": 0.95
        },
        {
          "value": "mortgage_prepayment",
          "language": "en",
          "role": "intent",
          "weight": 0.95
        },
        {
          "value": "Accelerated Mortgage Payment Calculator",
          "language": "en",
          "role": "name",
          "weight": 1
        },
        {
          "value": "Estimate how extra regular mortgage payments, annual lump-sum prepayments, and accelerated mortgage payoff strategies may shorten payoff time and reduce interest.",
          "language": "en",
          "role": "supporting",
          "weight": 0.45
        },
        {
          "value": "accelerated mortgage",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "cash-flow",
          "language": "en",
          "role": "topic",
          "weight": 0.45
        },
        {
          "value": "debt",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "extra payment",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "home ownership",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "interest savings",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "liabilities",
          "language": "en",
          "role": "topic",
          "weight": 0.45
        },
        {
          "value": "lump sum prepayment",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "mortgage",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "mortgage payoff",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "mortgage-debt",
          "language": "en",
          "role": "topic",
          "weight": 0.45
        },
        {
          "value": "prepayment",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        }
      ],
      "versions": {
        "en": {
          "language": "en",
          "title": "Mortgage Extra Payment Calculator",
          "description": "Estimate how repeated extra mortgage payments and annual lump sums may change payoff time and interest.",
          "url": "/calculators/accelerated-mortgage-payment/",
          "category": "mortgage-debt",
          "pillar": "liabilities"
        },
        "fr": {
          "language": "fr",
          "title": "Calculateur de paiements supplémentaires sur une hypothèque",
          "description": "Estimez l’effet de paiements supplémentaires répétés et de paiements forfaitaires annuels sur la durée de remboursement et les intérêts.",
          "url": "/fr/calculators/accelerated-mortgage-payment/",
          "category": "mortgage-debt",
          "pillar": "liabilities"
        },
        "zh": {
          "language": "zh",
          "title": "房贷额外还款计算器",
          "description": "估算每期重复增加还款和每年重复一次性还款对还清时间及利息的影响。",
          "url": "/zh/calculators/accelerated-mortgage-payment/",
          "category": "mortgage-debt",
          "pillar": "liabilities"
        }
      }
    },
    {
      "id": "calculator:mortgage-freedom-goal",
      "type": "calculator",
      "concepts": [],
      "retrievalTerms": [
        {
          "value": "Debt freedom planning",
          "language": "en",
          "role": "intent",
          "weight": 0.65
        },
        {
          "value": "Extra payment estimates",
          "language": "en",
          "role": "intent",
          "weight": 0.65
        },
        {
          "value": "Mortgage payoff goals",
          "language": "en",
          "role": "intent",
          "weight": 0.65
        },
        {
          "value": "Mortgage Freedom Calculator",
          "language": "en",
          "role": "name",
          "weight": 1
        },
        {
          "value": "Estimate the monthly payment needed to pay off a mortgage by a target date and compare it with a planned extra-payment path.",
          "language": "en",
          "role": "supporting",
          "weight": 0.45
        },
        {
          "value": "cash-flow",
          "language": "en",
          "role": "topic",
          "weight": 0.45
        },
        {
          "value": "debt freedom",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "extra payment",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "home ownership",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "interest savings",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "liabilities",
          "language": "en",
          "role": "topic",
          "weight": 0.45
        },
        {
          "value": "mortgage freedom",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "mortgage goal",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "mortgage payoff",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "mortgage-debt",
          "language": "en",
          "role": "topic",
          "weight": 0.45
        }
      ],
      "versions": {
        "en": {
          "language": "en",
          "title": "Mortgage Freedom Calculator",
          "description": "Estimate the monthly payment needed to pay off a mortgage by a target date and compare it with a planned extra-payment path.",
          "url": "/calculators/mortgage-freedom-goal/",
          "category": "mortgage-debt",
          "pillar": "liabilities"
        },
        "fr": {
          "language": "fr",
          "title": "Calculateur de libération hypothécaire",
          "description": "Estimez le paiement mensuel nécessaire pour rembourser une hypothèque à une date cible et comparez-le avec un parcours de paiements supplémentaires prévu.",
          "url": "/fr/calculators/mortgage-freedom-goal/",
          "category": "mortgage-debt",
          "pillar": "liabilities"
        },
        "zh": {
          "language": "zh",
          "title": "房贷还清目标计算器",
          "description": "估算在目标期限内还清房贷所需的月供，并比较增加每月还款额后的还清时间。",
          "url": "/zh/calculators/mortgage-freedom-goal/",
          "category": "mortgage-debt",
          "pillar": "liabilities"
        }
      }
    },
    {
      "id": "calculator:mortgage-payment",
      "type": "calculator",
      "concepts": [
        {
          "id": "borrowing.mortgage",
          "weight": 1
        }
      ],
      "retrievalTerms": [
        {
          "value": "Home ownership",
          "language": "en",
          "role": "intent",
          "weight": 0.65
        },
        {
          "value": "Mortgage payment estimates",
          "language": "en",
          "role": "intent",
          "weight": 0.65
        },
        {
          "value": "mortgage_payment",
          "language": "en",
          "role": "intent",
          "weight": 0.95
        },
        {
          "value": "mortgage_payment_estimate",
          "language": "en",
          "role": "intent",
          "weight": 0.95
        },
        {
          "value": "Principal-and-interest cash flow",
          "language": "en",
          "role": "intent",
          "weight": 0.65
        },
        {
          "value": "Mortgage Payment Calculator",
          "language": "en",
          "role": "name",
          "weight": 1
        },
        {
          "value": "Estimate a recurring mortgage payment from principal, rate, and amortization assumptions.",
          "language": "en",
          "role": "supporting",
          "weight": 0.45
        },
        {
          "value": "assets",
          "language": "en",
          "role": "topic",
          "weight": 0.45
        },
        {
          "value": "cash-flow",
          "language": "en",
          "role": "topic",
          "weight": 0.45
        },
        {
          "value": "debt",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "home ownership",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "liabilities",
          "language": "en",
          "role": "topic",
          "weight": 0.45
        },
        {
          "value": "mortgage",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "mortgage-debt",
          "language": "en",
          "role": "topic",
          "weight": 0.45
        },
        {
          "value": "payment",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "principal and interest",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        }
      ],
      "versions": {
        "en": {
          "language": "en",
          "title": "Mortgage Payment Calculator",
          "description": "Simple educational mortgage payment calculator using Canadian-style semi-annual compounding and fixed-rate amortization assumptions.",
          "url": "/calculators/mortgage-payment/",
          "category": "mortgage-debt",
          "pillar": "liabilities"
        },
        "fr": {
          "language": "fr",
          "title": "Calculateur hypothécaire",
          "description": "Calculateur éducatif simple de paiement hypothécaire utilisant la capitalisation semestrielle de style canadien et des hypothèses d'amortissement à taux fixe.",
          "url": "/fr/calculators/mortgage-payment/",
          "category": "mortgage-debt",
          "pillar": "liabilities"
        },
        "zh": {
          "language": "zh",
          "title": "房贷计算器",
          "description": "按加拿大房贷常见的半年复利方式换算利率，在固定利率和还款安排假设下估算每期还款额。",
          "url": "/zh/calculators/mortgage-payment/",
          "category": "mortgage-debt",
          "pillar": "liabilities"
        }
      }
    },
    {
      "id": "calculator:mortgage-frequency-comparison",
      "type": "calculator",
      "concepts": [],
      "retrievalTerms": [
        {
          "value": "Debt cash-flow planning",
          "language": "en",
          "role": "intent",
          "weight": 0.65
        },
        {
          "value": "Mortgage interest savings",
          "language": "en",
          "role": "intent",
          "weight": 0.65
        },
        {
          "value": "Mortgage payment frequency review",
          "language": "en",
          "role": "intent",
          "weight": 0.65
        },
        {
          "value": "Mortgage Payment Frequency Savings Calculator",
          "language": "en",
          "role": "name",
          "weight": 1
        },
        {
          "value": "Compare estimated mortgage interest savings across monthly, twice-monthly, biweekly, and weekly payment frequencies using the same mortgage assumptions.",
          "language": "en",
          "role": "supporting",
          "weight": 0.45
        },
        {
          "value": "biweekly mortgage",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "cash-flow",
          "language": "en",
          "role": "topic",
          "weight": 0.45
        },
        {
          "value": "debt",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "home ownership",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "interest savings",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "liabilities",
          "language": "en",
          "role": "topic",
          "weight": 0.45
        },
        {
          "value": "monthly mortgage",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "mortgage",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "mortgage-debt",
          "language": "en",
          "role": "topic",
          "weight": 0.45
        },
        {
          "value": "payment frequency",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "weekly mortgage",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        }
      ],
      "versions": {
        "en": {
          "language": "en",
          "title": "Mortgage Payment Frequency Savings Calculator",
          "description": "Free Canadian mortgage payment frequency savings calculator comparing estimated total mortgage interest for monthly, twice-monthly, biweekly, and weekly payment frequencies.",
          "url": "/calculators/mortgage-frequency-comparison/",
          "category": "mortgage-debt",
          "pillar": "liabilities"
        },
        "fr": {
          "language": "fr",
          "title": "Calculateur d'économies selon la fréquence des paiements hypothécaires",
          "description": "Calculateur canadien gratuit comparant les intérêts hypothécaires totaux estimés selon des paiements mensuels, deux fois par mois, aux deux semaines et hebdomadaires.",
          "url": "/fr/calculators/mortgage-frequency-comparison/",
          "category": "mortgage-debt",
          "pillar": "liabilities"
        },
        "zh": {
          "language": "zh",
          "title": "房贷还款频率比较计算器",
          "description": "在房贷金额、利率和摊还期相同的情况下，比较每月、每月两次、每两周及每周还款的总利息。",
          "url": "/zh/calculators/mortgage-frequency-comparison/",
          "category": "mortgage-debt",
          "pillar": "liabilities"
        }
      }
    },
    {
      "id": "calculator:mortgage-qualifier",
      "type": "calculator",
      "concepts": [],
      "retrievalTerms": [
        {
          "value": "Debt-service ratio review",
          "language": "en",
          "role": "intent",
          "weight": 0.65
        },
        {
          "value": "Home affordability",
          "language": "en",
          "role": "intent",
          "weight": 0.65
        },
        {
          "value": "Mortgage qualification",
          "language": "en",
          "role": "intent",
          "weight": 0.65
        },
        {
          "value": "Mortgage Qualifier Calculator",
          "language": "en",
          "role": "name",
          "weight": 1
        },
        {
          "value": "Test a home price and down payment against income, debts, property costs, Canadian stress-test assumptions, and a comfortable payment amount.",
          "language": "en",
          "role": "supporting",
          "weight": 0.45
        },
        {
          "value": "affordability",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "assets",
          "language": "en",
          "role": "topic",
          "weight": 0.45
        },
        {
          "value": "cash-flow",
          "language": "en",
          "role": "topic",
          "weight": 0.45
        },
        {
          "value": "debt",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "GDS",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "home ownership",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "liabilities",
          "language": "en",
          "role": "topic",
          "weight": 0.45
        },
        {
          "value": "mortgage",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "mortgage-debt",
          "language": "en",
          "role": "topic",
          "weight": 0.45
        },
        {
          "value": "qualification",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "stress test",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "TDS",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        }
      ],
      "versions": {
        "en": {
          "language": "en",
          "title": "Mortgage Qualifier Calculator",
          "description": "Free Canadian mortgage qualifier calculator estimating GDS, TDS, stress-test payment, and payment comparison fit.",
          "url": "/calculators/mortgage-qualifier/",
          "category": "mortgage-debt",
          "pillar": "liabilities"
        },
        "fr": {
          "language": "fr",
          "title": "Calculateur de qualification hypothécaire",
          "description": "Calculateur canadien gratuit de qualification hypothécaire estimant les ratios ABD/ATD, le paiement au taux de simulation de crise et la comparaison avec une capacité de paiement.",
          "url": "/fr/calculators/mortgage-qualifier/",
          "category": "mortgage-debt",
          "pillar": "liabilities"
        },
        "zh": {
          "language": "zh",
          "title": "房贷资格计算器",
          "description": "按房价、首付、家庭收入和住房费用，估算房贷月供，比较GDS、TDS与设定上限。",
          "url": "/zh/calculators/mortgage-qualifier/",
          "category": "mortgage-debt",
          "pillar": "liabilities"
        }
      }
    },
    {
      "id": "calculator:upsize-downsize",
      "type": "calculator",
      "concepts": [],
      "retrievalTerms": [
        {
          "value": "buy another home",
          "language": "en",
          "role": "intent",
          "weight": 0.95
        },
        {
          "value": "downsize",
          "language": "en",
          "role": "intent",
          "weight": 0.95
        },
        {
          "value": "move or stay",
          "language": "en",
          "role": "intent",
          "weight": 0.95
        },
        {
          "value": "sell home",
          "language": "en",
          "role": "intent",
          "weight": 0.95
        },
        {
          "value": "upsize",
          "language": "en",
          "role": "intent",
          "weight": 0.95
        },
        {
          "value": "Users comparing whether a move may reduce or increase cash needs and monthly housing costs.",
          "language": "en",
          "role": "intent",
          "weight": 0.65
        },
        {
          "value": "Move or Stay Calculator",
          "language": "en",
          "role": "name",
          "weight": 1
        },
        {
          "value": "Compare keeping the current home with downsizing or upsizing under simplified sale, purchase, and mortgage assumptions.",
          "language": "en",
          "role": "supporting",
          "weight": 0.45
        },
        {
          "value": "assets",
          "language": "en",
          "role": "topic",
          "weight": 0.45
        },
        {
          "value": "cash-flow",
          "language": "en",
          "role": "topic",
          "weight": 0.45
        },
        {
          "value": "downsize",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "home purchase",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "home sale",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "liabilities",
          "language": "en",
          "role": "topic",
          "weight": 0.45
        },
        {
          "value": "mortgage",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "mortgage-debt",
          "language": "en",
          "role": "topic",
          "weight": 0.45
        },
        {
          "value": "move or stay",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "upsize",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        }
      ],
      "versions": {
        "en": {
          "language": "en",
          "title": "Move or Stay Calculator",
          "description": "Free move or stay calculator comparing keeping a current home with downsizing or upsizing under simplified sale, purchase, and mortgage assumptions.",
          "url": "/calculators/upsize-downsize/",
          "category": "mortgage-debt",
          "pillar": "assets"
        },
        "fr": {
          "language": "fr",
          "title": "Calculateur déménager ou rester",
          "description": "Calculateur gratuit comparant le maintien de la propriété actuelle avec une réduction ou un agrandissement résidentiel selon des hypothèses simplifiées de vente, d'achat et d'hypothèque.",
          "url": "/fr/calculators/upsize-downsize/",
          "category": "mortgage-debt",
          "pillar": "assets"
        },
        "zh": {
          "language": "zh",
          "title": "换房比较计算器",
          "description": "比较继续住现住房、换购较便宜住房和较贵住房时的可用现金、房贷金额及每月住房支出。",
          "url": "/zh/calculators/upsize-downsize/",
          "category": "mortgage-debt",
          "pillar": "assets"
        }
      }
    },
    {
      "id": "calculator:nonreg-growth",
      "type": "calculator",
      "concepts": [],
      "retrievalTerms": [
        {
          "value": "adjusted cost base",
          "language": "en",
          "role": "intent",
          "weight": 0.95
        },
        {
          "value": "after tax return",
          "language": "en",
          "role": "intent",
          "weight": 0.95
        },
        {
          "value": "capital gains",
          "language": "en",
          "role": "intent",
          "weight": 0.95
        },
        {
          "value": "Estimate annual tax cost, adjusted cost base, unrealized capital gain, and after-tax value if sold at the end.",
          "language": "en",
          "role": "intent",
          "weight": 0.65
        },
        {
          "value": "investment growth",
          "language": "en",
          "role": "intent",
          "weight": 0.95
        },
        {
          "value": "non registered",
          "language": "en",
          "role": "intent",
          "weight": 0.95
        },
        {
          "value": "Project a taxable investment account using separate return assumptions for interest, eligible dividends, non-eligible dividends, and capital growth.",
          "language": "en",
          "role": "intent",
          "weight": 0.65
        },
        {
          "value": "taxable account projection",
          "language": "en",
          "role": "intent",
          "weight": 0.95
        },
        {
          "value": "taxable investing",
          "language": "en",
          "role": "intent",
          "weight": 0.95
        },
        {
          "value": "Non-Reg Growth Calculator",
          "language": "en",
          "role": "name",
          "weight": 1
        },
        {
          "value": "Project a taxable non-registered investment account using return mix, taxable income, jurisdiction, annual realized gains, and deferred capital-gain tax.",
          "language": "en",
          "role": "supporting",
          "weight": 0.45
        },
        {
          "value": "adjusted cost base",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "after tax return",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "assets",
          "language": "en",
          "role": "topic",
          "weight": 0.45
        },
        {
          "value": "capital gains",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "cash-flow",
          "language": "en",
          "role": "topic",
          "weight": 0.45
        },
        {
          "value": "dividend tax",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "investment growth",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "investment-growth-portfolio-modeling",
          "language": "en",
          "role": "topic",
          "weight": 0.45
        },
        {
          "value": "non registered",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "tax-optimization",
          "language": "en",
          "role": "topic",
          "weight": 0.45
        },
        {
          "value": "taxable investing",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        }
      ],
      "versions": {
        "en": {
          "language": "en",
          "title": "Non-Reg Growth Calculator",
          "description": "Free non-reg growth calculator from OpenBook Planning. Project a taxable non-registered investment account using return mix, taxable income, province or territory, and deferred capital-gain tax.",
          "url": "/calculators/nonreg-growth/",
          "category": "investment-growth-portfolio-modeling",
          "pillar": "assets"
        },
        "fr": {
          "language": "fr",
          "title": "Calculateur de croissance non enregistrée",
          "description": "Calculateur gratuit de croissance non enregistrée d'OpenBook Planning. Projetez un compte de placement imposable non enregistré selon la composition du rendement, le revenu imposable, la province ou le territoire et l'impôt différé sur le gain en capital.",
          "url": "/fr/calculators/nonreg-growth/",
          "category": "investment-growth-portfolio-modeling",
          "pillar": "assets"
        },
        "zh": {
          "language": "zh",
          "title": "非注册账户增长计算器",
          "description": "OpenBook Planning 的免费非注册账户增长计算器。根据收益构成、应税收入、省或地区以及递延资本利得税，预测应税非注册投资账户。",
          "url": "/zh/calculators/nonreg-growth/",
          "category": "investment-growth-portfolio-modeling",
          "pillar": "assets"
        }
      }
    },
    {
      "id": "calculator:npv",
      "type": "calculator",
      "concepts": [],
      "retrievalTerms": [
        {
          "value": "DCF",
          "language": "en",
          "role": "intent",
          "weight": 0.95
        },
        {
          "value": "discounted cash flow",
          "language": "en",
          "role": "intent",
          "weight": 0.95
        },
        {
          "value": "Model a simplified net present value calculation from textbook finance assumptions.",
          "language": "en",
          "role": "intent",
          "weight": 0.65
        },
        {
          "value": "net present value",
          "language": "en",
          "role": "intent",
          "weight": 0.95
        },
        {
          "value": "NPV",
          "language": "en",
          "role": "intent",
          "weight": 0.95
        },
        {
          "value": "present value of cash flows",
          "language": "en",
          "role": "intent",
          "weight": 0.95
        },
        {
          "value": "project valuation",
          "language": "en",
          "role": "intent",
          "weight": 0.95
        },
        {
          "value": "NPV Calculator",
          "language": "en",
          "role": "name",
          "weight": 1
        },
        {
          "value": "Estimate net present value from an initial outlay, level annual cash flow, terminal value, time period, and discount rate.",
          "language": "en",
          "role": "supporting",
          "weight": 0.45
        },
        {
          "value": "assets",
          "language": "en",
          "role": "topic",
          "weight": 0.45
        },
        {
          "value": "cash-flow",
          "language": "en",
          "role": "topic",
          "weight": 0.45
        },
        {
          "value": "DCF",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "discounted cash flow",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "finance formula",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "investment-growth-portfolio-modeling",
          "language": "en",
          "role": "topic",
          "weight": 0.45
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        {
          "value": "net present value",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "NPV",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "project valuation",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        }
      ],
      "versions": {
        "en": {
          "language": "en",
          "title": "NPV Calculator",
          "description": "Free net present value calculator from OpenBook Planning. Estimate NPV from an initial outlay, level annual cash flow, terminal value, time period, and discount rate.",
          "url": "/calculators/npv/",
          "category": "investment-growth-portfolio-modeling",
          "pillar": "assets"
        },
        "fr": {
          "language": "fr",
          "title": "Calculateur de VAN",
          "description": "Calculateur gratuit de valeur actuelle nette d’OpenBook Planning. Estimez la VAN à partir d’un débours initial, d’un flux de trésorerie annuel uniforme, d’une valeur terminale, d’une durée et d’un taux d’actualisation.",
          "url": "/fr/calculators/npv/",
          "category": "investment-growth-portfolio-modeling",
          "pillar": "assets"
        },
        "zh": {
          "language": "zh",
          "title": "净现值（NPV）计算器",
          "description": "根据初始投入、每年现金收入、期末回收金额及折现率，估算净现值（NPV）。",
          "url": "/zh/calculators/npv/",
          "category": "investment-growth-portfolio-modeling",
          "pillar": "assets"
        }
      }
    },
    {
      "id": "calculator:oas",
      "type": "calculator",
      "concepts": [],
      "retrievalTerms": [
        {
          "value": "OAS benefit calculator",
          "language": "en",
          "role": "intent",
          "weight": 0.95
        },
        {
          "value": "OAS deferral",
          "language": "en",
          "role": "intent",
          "weight": 0.95
        },
        {
          "value": "OAS entitlement",
          "language": "en",
          "role": "intent",
          "weight": 0.95
        },
        {
          "value": "OAS entitlement estimates",
          "language": "en",
          "role": "intent",
          "weight": 0.65
        },
        {
          "value": "OAS estimate",
          "language": "en",
          "role": "intent",
          "weight": 0.95
        },
        {
          "value": "OAS pension amount",
          "language": "en",
          "role": "intent",
          "weight": 0.95
        },
        {
          "value": "OAS residence years",
          "language": "en",
          "role": "intent",
          "weight": 0.95
        },
        {
          "value": "Old Age Security",
          "language": "en",
          "role": "intent",
          "weight": 0.95
        },
        {
          "value": "Old Age Security before clawback",
          "language": "en",
          "role": "intent",
          "weight": 0.65
        },
        {
          "value": "Old Age Security estimate",
          "language": "en",
          "role": "intent",
          "weight": 0.95
        },
        {
          "value": "Retirement income planning",
          "language": "en",
          "role": "intent",
          "weight": 0.65
        },
        {
          "value": "OAS Calculator",
          "language": "en",
          "role": "name",
          "weight": 1
        },
        {
          "value": "Estimate Old Age Security pension amounts before recovery tax using current-quarter maximums, residence years, and deferral assumptions.",
          "language": "en",
          "role": "supporting",
          "weight": 0.45
        },
        {
          "value": "cash-flow",
          "language": "en",
          "role": "topic",
          "weight": 0.45
        },
        {
          "value": "deferral",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "government benefits",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "government-benefits",
          "language": "en",
          "role": "topic",
          "weight": 0.45
        },
        {
          "value": "oas",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "OAS benefits",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "OAS pension estimate",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "old age security",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "Old Age Security pension",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "residence years",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "retirement income",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "retirement-readiness",
          "language": "en",
          "role": "topic",
          "weight": 0.45
        }
      ],
      "versions": {
        "en": {
          "language": "en",
          "title": "OAS Calculator",
          "description": "Estimate Old Age Security pension amounts using residence years, age group, current maximums, and simplified deferral assumptions.",
          "url": "/calculators/oas/",
          "category": "government-benefits",
          "pillar": "retirement-readiness"
        },
        "fr": {
          "language": "fr",
          "title": "Calculateur de la SV",
          "description": "Estimez les montants de pension de la Sécurité de la vieillesse selon les années de résidence, le groupe d’âge, les maximums actuels et des hypothèses de report simplifiées.",
          "url": "/fr/calculators/oas/",
          "category": "government-benefits",
          "pillar": "retirement-readiness"
        },
        "zh": {
          "language": "zh",
          "title": "OAS 计算器",
          "description": "根据居住年数、年龄组、当前最高金额和简化延后领取假设，估算 Old Age Security（OAS）养老金金额。",
          "url": "/zh/calculators/oas/",
          "category": "government-benefits",
          "pillar": "retirement-readiness"
        }
      }
    },
    {
      "id": "calculator:oas-clawback",
      "type": "calculator",
      "concepts": [],
      "retrievalTerms": [
        {
          "value": "OAS Recovery Tax Calculator",
          "language": "en",
          "role": "alias",
          "weight": 1
        },
        {
          "value": "OAS Repayment Calculator",
          "language": "en",
          "role": "alias",
          "weight": 1
        },
        {
          "value": "Old Age Security Recovery Tax Calculator",
          "language": "en",
          "role": "alias",
          "weight": 1
        },
        {
          "value": "Benefit thresholds",
          "language": "en",
          "role": "intent",
          "weight": 0.65
        },
        {
          "value": "OAS clawback calculator",
          "language": "en",
          "role": "intent",
          "weight": 0.95
        },
        {
          "value": "OAS clawback planning",
          "language": "en",
          "role": "intent",
          "weight": 0.65
        },
        {
          "value": "OAS pension recovery tax",
          "language": "en",
          "role": "intent",
          "weight": 0.95
        },
        {
          "value": "OAS recovery tax calculator",
          "language": "en",
          "role": "intent",
          "weight": 0.95
        },
        {
          "value": "OAS repayment calculator",
          "language": "en",
          "role": "intent",
          "weight": 0.95
        },
        {
          "value": "OAS repayment estimate",
          "language": "en",
          "role": "intent",
          "weight": 0.95
        },
        {
          "value": "Old Age Security clawback",
          "language": "en",
          "role": "intent",
          "weight": 0.95
        },
        {
          "value": "Old Age Security recovery tax",
          "language": "en",
          "role": "intent",
          "weight": 0.65
        },
        {
          "value": "Old Age Security recovery tax calculator",
          "language": "en",
          "role": "intent",
          "weight": 0.95
        },
        {
          "value": "Retirement tax planning",
          "language": "en",
          "role": "intent",
          "weight": 0.65
        },
        {
          "value": "OAS Clawback Estimator",
          "language": "en",
          "role": "name",
          "weight": 1
        },
        {
          "value": "Estimate the OAS clawback, formally the Old Age Security recovery tax, from income assumptions.",
          "language": "en",
          "role": "supporting",
          "weight": 0.45
        },
        {
          "value": "cash-flow",
          "language": "en",
          "role": "topic",
          "weight": 0.45
        },
        {
          "value": "clawback",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "government-benefits",
          "language": "en",
          "role": "topic",
          "weight": 0.45
        },
        {
          "value": "oas",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "OAS clawback calculator",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "OAS recovery tax",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "OAS Recovery Tax Calculator",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "OAS repayment",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "OAS Repayment Calculator",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "Old Age Security recovery tax",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "Old Age Security Recovery Tax Calculator",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "recovery tax",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "retirement income",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "retirement-readiness",
          "language": "en",
          "role": "topic",
          "weight": 0.45
        },
        {
          "value": "tax",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "tax-optimization",
          "language": "en",
          "role": "topic",
          "weight": 0.45
        }
      ],
      "versions": {
        "en": {
          "language": "en",
          "title": "OAS Clawback Estimator",
          "description": "Educational OAS clawback estimator for the Old Age Security recovery tax, using editable income, benefit, threshold, and recovery assumptions.",
          "url": "/calculators/oas-clawback/",
          "category": "government-benefits",
          "pillar": "retirement-readiness"
        },
        "fr": {
          "language": "fr",
          "title": "Estimateur de récupération de la SV",
          "description": "Estimateur éducatif de la récupération de la SV, soit l'impôt de récupération de la Sécurité de la vieillesse, avec hypothèses modifiables de revenu, prestation, seuil et récupération.",
          "url": "/fr/calculators/oas-clawback/",
          "category": "government-benefits",
          "pillar": "retirement-readiness"
        },
        "zh": {
          "language": "zh",
          "title": "OAS 追回税估算器",
          "description": "教育用途 OAS 追回税估算器，涵盖 OAS clawback 和 Old Age Security recovery tax 等常见英文搜索用语；可调整收入、福利、门槛和追回假设。",
          "url": "/zh/calculators/oas-clawback/",
          "category": "government-benefits",
          "pillar": "retirement-readiness"
        }
      }
    },
    {
      "id": "calculator:payback",
      "type": "calculator",
      "concepts": [],
      "retrievalTerms": [
        {
          "value": "cash flow recovery",
          "language": "en",
          "role": "intent",
          "weight": 0.95
        },
        {
          "value": "discounted payback",
          "language": "en",
          "role": "intent",
          "weight": 0.95
        },
        {
          "value": "Estimate how long a simplified level cash flow takes to recover an amount paid upfront.",
          "language": "en",
          "role": "intent",
          "weight": 0.65
        },
        {
          "value": "how long to recover investment",
          "language": "en",
          "role": "intent",
          "weight": 0.95
        },
        {
          "value": "payback period",
          "language": "en",
          "role": "intent",
          "weight": 0.95
        },
        {
          "value": "Payback Period Calculator",
          "language": "en",
          "role": "name",
          "weight": 1
        },
        {
          "value": "Estimate the standard payback period from an amount paid upfront and level annual cash flow, with optional discounted payback when a discount rate is entered.",
          "language": "en",
          "role": "supporting",
          "weight": 0.45
        },
        {
          "value": "assets",
          "language": "en",
          "role": "topic",
          "weight": 0.45
        },
        {
          "value": "cash flow recovery",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "cash-flow",
          "language": "en",
          "role": "topic",
          "weight": 0.45
        },
        {
          "value": "discounted payback",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "finance formula",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "investment-growth-portfolio-modeling",
          "language": "en",
          "role": "topic",
          "weight": 0.45
        },
        {
          "value": "payback period",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "project payback",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        }
      ],
      "versions": {
        "en": {
          "language": "en",
          "title": "Payback Period Calculator",
          "description": "Free payback period calculator from OpenBook Planning. Estimate the standard payback period from an amount paid upfront and level annual cash flow, with optional discounted payback when a discount rate is entered.",
          "url": "/calculators/payback/",
          "category": "investment-growth-portfolio-modeling",
          "pillar": "cash-flow"
        },
        "fr": {
          "language": "fr",
          "title": "Calculateur du délai de récupération",
          "description": "Calculateur gratuit du délai de récupération d’OpenBook Planning. Estimez le délai de récupération simple et actualisé à partir d’un montant payé au départ, d’un flux de trésorerie annuel uniforme, d’un taux d’actualisation et d’une durée.",
          "url": "/fr/calculators/payback/",
          "category": "investment-growth-portfolio-modeling",
          "pillar": "cash-flow"
        },
        "zh": {
          "language": "zh",
          "title": "回收期计算器",
          "description": "根据初始投入和每年现金收入，估算投资回收期；另可比较折现后的回收期。",
          "url": "/zh/calculators/payback/",
          "category": "investment-growth-portfolio-modeling",
          "pillar": "cash-flow"
        }
      }
    },
    {
      "id": "calculator:payment-pressure",
      "type": "calculator",
      "concepts": [],
      "retrievalTerms": [
        {
          "value": "debt service",
          "language": "en",
          "role": "intent",
          "weight": 0.95
        },
        {
          "value": "Estimate mortgage payment pressure against gross income, net income, and other monthly debt payments.",
          "language": "en",
          "role": "intent",
          "weight": 0.65
        },
        {
          "value": "housing cost",
          "language": "en",
          "role": "intent",
          "weight": 0.95
        },
        {
          "value": "mortgage payment",
          "language": "en",
          "role": "intent",
          "weight": 0.95
        },
        {
          "value": "payment pressure",
          "language": "en",
          "role": "intent",
          "weight": 0.95
        },
        {
          "value": "Payment Pressure Calculator",
          "language": "en",
          "role": "name",
          "weight": 1
        },
        {
          "value": "Estimate monthly housing cost and payment pressure.",
          "language": "en",
          "role": "supporting",
          "weight": 0.45
        },
        {
          "value": "assets",
          "language": "en",
          "role": "topic",
          "weight": 0.45
        },
        {
          "value": "cash-flow",
          "language": "en",
          "role": "topic",
          "weight": 0.45
        },
        {
          "value": "debt service",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "housing cost",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "liabilities",
          "language": "en",
          "role": "topic",
          "weight": 0.45
        },
        {
          "value": "mortgage payment",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "mortgage-debt",
          "language": "en",
          "role": "topic",
          "weight": 0.45
        },
        {
          "value": "payment pressure",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        }
      ],
      "versions": {
        "en": {
          "language": "en",
          "title": "Payment Pressure Calculator",
          "description": "Free payment pressure calculator from OpenBook Planning. Estimate monthly housing cost and payment pressure.",
          "url": "/calculators/payment-pressure/",
          "category": "mortgage-debt",
          "pillar": "cash-flow"
        },
        "fr": {
          "language": "fr",
          "title": "Calculateur de pression des paiements",
          "description": "Estimez la pression des paiements hypothécaires par rapport au revenu brut, au revenu net et aux autres paiements mensuels de dette.",
          "url": "/fr/calculators/payment-pressure/",
          "category": "mortgage-debt",
          "pillar": "cash-flow"
        },
        "zh": {
          "language": "zh",
          "title": "住房还款压力计算器",
          "description": "比较每月房贷、其他住房支出及债务还款与税前和税后收入，估算每月剩余现金或缺口。",
          "url": "/zh/calculators/payment-pressure/",
          "category": "mortgage-debt",
          "pillar": "cash-flow"
        }
      }
    },
    {
      "id": "calculator:payroll-deductions",
      "type": "calculator",
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          "value": "Estimate employee payroll deductions and approximate net pay before reviewing a paycheque.",
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          "value": "income tax withholding",
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          "value": "income tax withholding",
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          "role": "topic",
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          "value": "statutory deductions",
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          "role": "topic",
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          "value": "tax-optimization",
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          "value": "tax-planning",
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          "language": "en",
          "title": "Payroll Deductions Calculator",
          "description": "Estimate employee CPP/QPP, EI, QPIP, simplified estimated income tax, other payroll deductions, and annual income after deductions by province or territory.",
          "url": "/calculators/payroll-deductions/",
          "category": "tax-planning",
          "pillar": "tax-optimization"
        },
        "fr": {
          "language": "fr",
          "title": "Calculateur de retenues salariales",
          "description": "Estimez les cotisations salariales au RPC/RRQ, à l’AE et au RQAP, l’estimation simplifiée de l’impôt sur le revenu, les autres retenues et le revenu annuel après retenues selon la province ou le territoire.",
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          "category": "tax-planning",
          "pillar": "tax-optimization"
        },
        "zh": {
          "language": "zh",
          "title": "工资扣款计算器",
          "description": "按省或地区估算雇员 CPP/QPP、EI、QPIP、简化所得税估算、其他工资扣款，以及扣款后的年度收入。",
          "url": "/zh/calculators/payroll-deductions/",
          "category": "tax-planning",
          "pillar": "tax-optimization"
        }
      }
    },
    {
      "id": "calculator:net-worth",
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          "language": "en",
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          "value": "Ownership review",
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          "value": "you",
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          "title": "Personal Net Worth Calculator",
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          "category": "core-math-financial-foundations",
          "pillar": "assets"
        },
        "fr": {
          "language": "fr",
          "title": "Calculateur de valeur nette personnelle",
          "description": "Calculateur éducatif simple de valeur nette personnelle pour estimer les actifs, les dettes et la valeur nette.",
          "url": "/fr/calculators/net-worth/",
          "category": "core-math-financial-foundations",
          "pillar": "assets"
        },
        "zh": {
          "language": "zh",
          "title": "个人净资产计算器",
          "description": "简明教育用途个人净资产计算器，用于估算资产、负债和净资产。",
          "url": "/zh/calculators/net-worth/",
          "category": "core-math-financial-foundations",
          "pillar": "assets"
        }
      }
    },
    {
      "id": "calculator:portfolio-yield",
      "type": "calculator",
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          "value": "dividend income",
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        },
        {
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          "role": "intent",
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        },
        {
          "value": "interest income",
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          "role": "intent",
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        {
          "value": "investment income",
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          "role": "intent",
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          "value": "monthly portfolio income",
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        {
          "value": "Portfolio Yield Calculator",
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        {
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          "role": "supporting",
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          "value": "asset mix",
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        {
          "value": "dividends",
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        {
          "value": "interest",
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        {
          "value": "investment income",
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          "role": "topic",
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        {
          "value": "monthly income",
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          "role": "topic",
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        {
          "value": "portfolio yield",
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          "value": "retirement-readiness",
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      ],
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          "category": "investment-growth-portfolio-modeling",
          "pillar": "assets"
        },
        "fr": {
          "language": "fr",
          "title": "Calculateur de rendement de portefeuille",
          "description": "Calculateur gratuit de rendement de portefeuille d’OpenBook Planning. Estimez le revenu annuel et mensuel du portefeuille à partir des montants par catégorie d’actifs et des hypothèses de rendement.",
          "url": "/fr/calculators/portfolio-yield/",
          "category": "investment-growth-portfolio-modeling",
          "pillar": "assets"
        },
        "zh": {
          "language": "zh",
          "title": "投资组合现金收益率计算器",
          "description": "按各类资产的金额和现金收益率假设，估算投资组合每年可产生的现金收入及平均每月金额。",
          "url": "/zh/calculators/portfolio-yield/",
          "category": "investment-growth-portfolio-modeling",
          "pillar": "assets"
        }
      }
    },
    {
      "id": "calculator:pv-lump",
      "type": "calculator",
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        {
          "value": "discounted value calculator",
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          "role": "alias",
          "weight": 1
        },
        {
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          "role": "alias",
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          "value": "present value calculator",
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          "value": "PV calculator",
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          "value": "Core planning math",
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        {
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        {
          "value": "Future amount valuation",
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        {
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        {
          "value": "assets",
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        {
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        {
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          "value": "pv",
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      ],
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          "language": "en",
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          "url": "/calculators/present-value/",
          "category": "investment-growth-portfolio-modeling",
          "pillar": "assets"
        },
        "fr": {
          "language": "fr",
          "title": "Calculateur de valeur actuelle",
          "description": "Calculateur de valeur actuelle. Estimez la valeur aujourd'hui d'un montant futur sans dépôts ni cotisations périodiques.",
          "url": "/fr/calculators/present-value/",
          "category": "investment-growth-portfolio-modeling",
          "pillar": "assets"
        },
        "zh": {
          "language": "zh",
          "title": "现值计算器",
          "description": "现值计算器。计算一个未来金额在今天大约相当于多少，不包括存款或定期投入。",
          "url": "/zh/calculators/present-value/",
          "category": "investment-growth-portfolio-modeling",
          "pillar": "assets"
        }
      }
    },
    {
      "id": "calculator:profitability-ratios",
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          "value": "return on equity",
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          "role": "topic",
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        {
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          "role": "topic",
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        {
          "value": "income statement",
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          "role": "topic",
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          "role": "topic",
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          "url": "/calculators/profitability-ratios/",
          "category": "core-math-financial-foundations",
          "pillar": "cash-flow"
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          "language": "fr",
          "title": "Calculateur de ratios de rentabilité",
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          "category": "core-math-financial-foundations",
          "pillar": "cash-flow"
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        "zh": {
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          "title": "盈利能力比率计算器",
          "description": "根据收入、成本、费用、期末总资产和股东权益，估算毛利率、营业利润率、净利率、资产回报率及股东权益回报率。",
          "url": "/zh/calculators/profitability-ratios/",
          "category": "core-math-financial-foundations",
          "pillar": "cash-flow"
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      }
    },
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        {
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        {
          "value": "QPP at 62",
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        {
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        {
          "value": "retirement pension start age",
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        {
          "value": "stop work before QPP",
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        {
          "value": "Test QPP start ages that do not appear directly on the statement, including cases where work or QPP contributions stop before the pension starts.",
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        },
        {
          "value": "QPP Estimate Calculator",
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          "role": "name",
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        },
        {
          "value": "Estimate a Quebec Pension Plan start-age amount from QPP statement values, including non-standard ages and a separate future-contribution stop age.",
          "language": "en",
          "role": "supporting",
          "weight": 0.45
        },
        {
          "value": "cash-flow",
          "language": "en",
          "role": "topic",
          "weight": 0.45
        },
        {
          "value": "contribution stop age",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "government benefits",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "government-benefits",
          "language": "en",
          "role": "topic",
          "weight": 0.45
        },
        {
          "value": "QPP",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "Quebec Pension Plan",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "retirement pension",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "retirement-readiness",
          "language": "en",
          "role": "topic",
          "weight": 0.45
        },
        {
          "value": "start age",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "statement",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        }
      ],
      "versions": {
        "en": {
          "language": "en",
          "title": "QPP Estimate Calculator",
          "description": "Estimate a Quebec Pension Plan start-age amount from QPP participation values, including non-standard ages such as 62 or 67.",
          "url": "/calculators/qpp-estimate/",
          "category": "government-benefits",
          "pillar": "retirement-readiness"
        },
        "fr": {
          "language": "fr",
          "title": "Estimateur de rente RRQ",
          "description": "Estimez un montant de rente du Régime de rentes du Québec selon l'âge de début à partir des valeurs du relevé RRQ, y compris des âges non standards comme 62 ou 67 ans.",
          "url": "/fr/calculators/qpp-estimate/",
          "category": "government-benefits",
          "pillar": "retirement-readiness"
        },
        "zh": {
          "language": "zh",
          "title": "QPP 估算计算器",
          "description": "根据 QPP 对账单金额估算魁北克养老金计划的开始领取金额，包括 62 岁或 67 岁等非标准年龄。",
          "url": "/zh/calculators/qpp-estimate/",
          "category": "government-benefits",
          "pillar": "retirement-readiness"
        }
      }
    },
    {
      "id": "calculator:real-vs-nominal-return",
      "type": "calculator",
      "concepts": [],
      "retrievalTerms": [
        {
          "value": "Inflation-adjusted planning",
          "language": "en",
          "role": "intent",
          "weight": 0.65
        },
        {
          "value": "Investment return assumptions",
          "language": "en",
          "role": "intent",
          "weight": 0.65
        },
        {
          "value": "Purchasing-power comparisons",
          "language": "en",
          "role": "intent",
          "weight": 0.65
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        {
          "value": "real_vs_nominal_return",
          "language": "en",
          "role": "intent",
          "weight": 0.95
        },
        {
          "value": "Real vs Nominal Return Calculator",
          "language": "en",
          "role": "name",
          "weight": 1
        },
        {
          "value": "Compare investment growth before inflation with its estimated value in today's dollars.",
          "language": "en",
          "role": "supporting",
          "weight": 0.45
        },
        {
          "value": "assets",
          "language": "en",
          "role": "topic",
          "weight": 0.45
        },
        {
          "value": "inflation",
          "language": "en",
          "role": "topic",
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        {
          "value": "investment",
          "language": "en",
          "role": "topic",
          "weight": 0.7
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        {
          "value": "investment-growth-portfolio-modeling",
          "language": "en",
          "role": "topic",
          "weight": 0.45
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        {
          "value": "nominal return",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "purchasing power",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "real return",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "retirement-readiness",
          "language": "en",
          "role": "topic",
          "weight": 0.45
        },
        {
          "value": "returns",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "you",
          "language": "en",
          "role": "topic",
          "weight": 0.45
        }
      ],
      "versions": {
        "en": {
          "language": "en",
          "title": "Real vs Nominal Return Calculator",
          "description": "Free real vs nominal return calculator showing investment growth before and after inflation.",
          "url": "/calculators/real-vs-nominal-return/",
          "category": "investment-growth-portfolio-modeling",
          "pillar": "assets"
        },
        "fr": {
          "language": "fr",
          "title": "Calculateur de rendement réel et nominal",
          "description": "Calculateur de rendement réel et nominal montrant la croissance d’un placement avant et après inflation.",
          "url": "/fr/calculators/real-vs-nominal-return/",
          "category": "investment-growth-portfolio-modeling",
          "pillar": "assets"
        },
        "zh": {
          "language": "zh",
          "title": "名义与实际回报率计算器",
          "description": "比较投资金额的增长与扣除通胀影响后的购买力变化。",
          "url": "/zh/calculators/real-vs-nominal-return/",
          "category": "investment-growth-portfolio-modeling",
          "pillar": "assets"
        }
      }
    },
    {
      "id": "calculator:rebalance-tax",
      "type": "calculator",
      "concepts": [],
      "retrievalTerms": [
        {
          "value": "capital gains",
          "language": "en",
          "role": "intent",
          "weight": 0.95
        },
        {
          "value": "Estimate tax and transaction-cost drag from a taxable-account rebalancing sale.",
          "language": "en",
          "role": "intent",
          "weight": 0.65
        },
        {
          "value": "portfolio",
          "language": "en",
          "role": "intent",
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        {
          "value": "rebalancing",
          "language": "en",
          "role": "intent",
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        {
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          "language": "en",
          "role": "intent",
          "weight": 0.95
        },
        {
          "value": "Rebalance Tax Calculator",
          "language": "en",
          "role": "name",
          "weight": 1
        },
        {
          "value": "Estimate simplified tax cost from rebalancing a taxable account.",
          "language": "en",
          "role": "supporting",
          "weight": 0.45
        },
        {
          "value": "capital gains",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "cash-flow",
          "language": "en",
          "role": "topic",
          "weight": 0.45
        },
        {
          "value": "portfolio",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "rebalancing",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "tax cost",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "tax-planning",
          "language": "en",
          "role": "topic",
          "weight": 0.45
        }
      ],
      "versions": {
        "en": {
          "language": "en",
          "title": "Rebalance Tax Calculator",
          "description": "Free rebalance tax calculator from OpenBook Planning. Estimate simplified tax cost from rebalancing a taxable account.",
          "url": "/calculators/rebalance-tax/",
          "category": "tax-planning",
          "pillar": "cash-flow"
        },
        "fr": {
          "language": "fr",
          "title": "Calculateur d'impôt au rééquilibrage",
          "description": "Calculateur gratuit d'impôt au rééquilibrage d'OpenBook Planning. Estimez le coût fiscal simplifié d'un rééquilibrage dans un compte imposable.",
          "url": "/fr/calculators/rebalance-tax/",
          "category": "tax-planning",
          "pillar": "cash-flow"
        },
        "zh": {
          "language": "zh",
          "title": "再平衡税务计算器",
          "description": "OpenBook Planning 的免费再平衡税务计算器。估算应税账户再平衡带来的简化税务成本。",
          "url": "/zh/calculators/rebalance-tax/",
          "category": "tax-planning",
          "pillar": "cash-flow"
        }
      }
    },
    {
      "id": "calculator:reg-accounts",
      "type": "calculator",
      "concepts": [
        {
          "id": "registered-account.resp",
          "weight": 0.45
        },
        {
          "id": "registered-account.rrsp",
          "weight": 0.55
        },
        {
          "id": "registered-account.tfsa",
          "weight": 0.55
        },
        {
          "id": "registered-plan.canadian",
          "weight": 1
        }
      ],
      "retrievalTerms": [
        {
          "value": "account tax treatment",
          "language": "en",
          "role": "intent",
          "weight": 0.95
        },
        {
          "value": "Account tax-treatment education",
          "language": "en",
          "role": "intent",
          "weight": 0.65
        },
        {
          "value": "Article companion calculations",
          "language": "en",
          "role": "intent",
          "weight": 0.65
        },
        {
          "value": "compare registered accounts",
          "language": "en",
          "role": "intent",
          "weight": 0.95
        },
        {
          "value": "First-pass registered-account comparisons",
          "language": "en",
          "role": "intent",
          "weight": 0.65
        },
        {
          "value": "registered account comparison",
          "language": "en",
          "role": "intent",
          "weight": 0.95
        },
        {
          "value": "tfsa rrsp fhsa",
          "language": "en",
          "role": "intent",
          "weight": 0.95
        },
        {
          "value": "tfsa rrsp fhsa resp",
          "language": "en",
          "role": "intent",
          "weight": 0.95
        },
        {
          "value": "which account",
          "language": "en",
          "role": "intent",
          "weight": 0.95
        },
        {
          "value": "Registered Accounts Calculator",
          "language": "en",
          "role": "name",
          "weight": 1
        },
        {
          "value": "Compare simplified TFSA, RRSP, FHSA, RESP, and non-registered projected values from one shared savings assumption.",
          "language": "en",
          "role": "supporting",
          "weight": 0.45
        },
        {
          "value": "account comparison",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "after-tax",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "assets",
          "language": "en",
          "role": "topic",
          "weight": 0.45
        },
        {
          "value": "FHSA",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "investment-growth-portfolio-modeling",
          "language": "en",
          "role": "topic",
          "weight": 0.45
        },
        {
          "value": "non-registered",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "registered accounts",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "RESP",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "retirement-readiness",
          "language": "en",
          "role": "topic",
          "weight": 0.45
        },
        {
          "value": "RRSP",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "tax treatment",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "tax-optimization",
          "language": "en",
          "role": "topic",
          "weight": 0.45
        },
        {
          "value": "TFSA",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        }
      ],
      "versions": {
        "en": {
          "language": "en",
          "title": "Registered Accounts Calculator",
          "description": "Free registered accounts calculator from OpenBook Planning. Compare simplified TFSA, RRSP, FHSA, RESP, and non-registered savings outcomes from one shared savings assumption.",
          "url": "/calculators/reg-accounts/",
          "category": "investment-growth-portfolio-modeling",
          "pillar": "tax-optimization"
        },
        "fr": {
          "language": "fr",
          "title": "Calculateur de comptes enregistrés",
          "description": "Calculateur gratuit de comptes enregistrés d'OpenBook Planning. Comparez des résultats simplifiés CELI, REER, CELIAPP, REEE et non enregistrés à partir d'une même hypothèse d'épargne.",
          "url": "/fr/calculators/reg-accounts/",
          "category": "investment-growth-portfolio-modeling",
          "pillar": "tax-optimization"
        },
        "zh": {
          "language": "zh",
          "title": "注册账户计算器",
          "description": "OpenBook Planning 的免费注册账户计算器。用同一储蓄假设比较 TFSA、RRSP、FHSA、RESP 和非注册账户的简化结果。",
          "url": "/zh/calculators/reg-accounts/",
          "category": "investment-growth-portfolio-modeling",
          "pillar": "tax-optimization"
        }
      }
    },
    {
      "id": "calculator:rent-or-buy",
      "type": "calculator",
      "concepts": [],
      "retrievalTerms": [
        {
          "value": "buy a home or rent",
          "language": "en",
          "role": "intent",
          "weight": 0.95
        },
        {
          "value": "buy house versus invest",
          "language": "en",
          "role": "intent",
          "weight": 0.95
        },
        {
          "value": "Estimate whether buying or renting-and-investing produces the higher projected ending value under entered assumptions.",
          "language": "en",
          "role": "intent",
          "weight": 0.65
        },
        {
          "value": "home ownership versus renting",
          "language": "en",
          "role": "intent",
          "weight": 0.95
        },
        {
          "value": "rent and invest",
          "language": "en",
          "role": "intent",
          "weight": 0.95
        },
        {
          "value": "rent or buy",
          "language": "en",
          "role": "intent",
          "weight": 0.95
        },
        {
          "value": "rent versus buy",
          "language": "en",
          "role": "intent",
          "weight": 0.95
        },
        {
          "value": "rent vs buy",
          "language": "en",
          "role": "intent",
          "weight": 0.95
        },
        {
          "value": "Rent or Buy Calculator",
          "language": "en",
          "role": "name",
          "weight": 1
        },
        {
          "value": "Compare buying a home with renting and investing the cash-flow difference over a chosen period.",
          "language": "en",
          "role": "supporting",
          "weight": 0.45
        },
        {
          "value": "assets",
          "language": "en",
          "role": "topic",
          "weight": 0.45
        },
        {
          "value": "cash-flow",
          "language": "en",
          "role": "topic",
          "weight": 0.45
        },
        {
          "value": "home ownership",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "home purchase",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "housing costs",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "liabilities",
          "language": "en",
          "role": "topic",
          "weight": 0.45
        },
        {
          "value": "mortgage",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "mortgage-debt",
          "language": "en",
          "role": "topic",
          "weight": 0.45
        },
        {
          "value": "non-registered investing",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "rent or buy",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "rent versus buy",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "renting",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "tax-optimization",
          "language": "en",
          "role": "topic",
          "weight": 0.45
        },
        {
          "value": "taxable investing",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        }
      ],
      "versions": {
        "en": {
          "language": "en",
          "title": "Rent or Buy Calculator",
          "description": "Free rent or buy calculator from OpenBook Planning. Compare buying a home with renting and investing the cash-flow difference over a chosen period.",
          "url": "/calculators/rent-or-buy/",
          "category": "mortgage-debt",
          "pillar": "assets"
        },
        "fr": {
          "language": "fr",
          "title": "Calculateur louer ou acheter",
          "description": "Calculateur gratuit louer ou acheter d'OpenBook Planning. Comparez l'achat d'une propriété avec la location et l'investissement de la différence de flux de trésorerie sur une période choisie.",
          "url": "/fr/calculators/rent-or-buy/",
          "category": "mortgage-debt",
          "pillar": "assets"
        },
        "zh": {
          "language": "zh",
          "title": "租房或买房计算器",
          "description": "比较买房与租房并投资两种情景，估算期末售房净额和投资余额。",
          "url": "/zh/calculators/rent-or-buy/",
          "category": "mortgage-debt",
          "pillar": "assets"
        }
      }
    },
    {
      "id": "calculator:retirement",
      "type": "calculator",
      "concepts": [
        {
          "id": "planning.retirement-savings",
          "weight": 0.75
        }
      ],
      "retrievalTerms": [
        {
          "value": "Full retirement projection",
          "language": "en",
          "role": "intent",
          "weight": 0.65
        },
        {
          "value": "Income sustainability",
          "language": "en",
          "role": "intent",
          "weight": 0.65
        },
        {
          "value": "Retirement planning",
          "language": "en",
          "role": "intent",
          "weight": 0.65
        },
        {
          "value": "Retirement Calculator",
          "language": "en",
          "role": "name",
          "weight": 1
        },
        {
          "value": "Model whether savings, pensions, CPP/QPP, OAS, and withdrawals may support an after-tax retirement spending goal.",
          "language": "en",
          "role": "supporting",
          "weight": 0.45
        },
        {
          "value": "assets",
          "language": "en",
          "role": "topic",
          "weight": 0.45
        },
        {
          "value": "cash-flow",
          "language": "en",
          "role": "topic",
          "weight": 0.45
        },
        {
          "value": "cpp",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "income",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "oas",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "planning",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "retirement",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "retirement-planning",
          "language": "en",
          "role": "topic",
          "weight": 0.45
        },
        {
          "value": "retirement-readiness",
          "language": "en",
          "role": "topic",
          "weight": 0.45
        },
        {
          "value": "rrsp",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "sustainability",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "tax-optimization",
          "language": "en",
          "role": "topic",
          "weight": 0.45
        },
        {
          "value": "tfsa",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "withdrawals",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        }
      ],
      "versions": {
        "en": {
          "language": "en",
          "title": "Retirement Calculator",
          "description": "Canadian retirement calculator for reviewing whether entered savings, pensions, benefits, and withdrawals may support an after-tax spending goal.",
          "url": "/calculators/retirement/",
          "category": "retirement-planning",
          "pillar": "retirement-readiness"
        },
        "fr": {
          "language": "fr",
          "title": "Calculateur de retraite",
          "description": "Calculateur canadien de retraite statique pour des scénarios de planification éducatifs.",
          "url": "/fr/calculators/retirement/",
          "category": "retirement-planning",
          "pillar": "retirement-readiness"
        },
        "zh": {
          "language": "zh",
          "title": "退休计算器",
          "description": "用于教育规划情景的加拿大退休计算器。",
          "url": "/zh/calculators/retirement/",
          "category": "retirement-planning",
          "pillar": "retirement-readiness"
        }
      }
    },
    {
      "id": "calculator:retirement-gap",
      "type": "calculator",
      "concepts": [
        {
          "id": "planning.retirement-savings",
          "weight": 0.8
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      ],
      "retrievalTerms": [
        {
          "value": "Estimate whether projected savings may cover the annual retirement income gap left after expected retirement income.",
          "language": "en",
          "role": "intent",
          "weight": 0.65
        },
        {
          "value": "income gap in retirement",
          "language": "en",
          "role": "intent",
          "weight": 0.95
        },
        {
          "value": "portfolio target",
          "language": "en",
          "role": "intent",
          "weight": 0.95
        },
        {
          "value": "retirement gap",
          "language": "en",
          "role": "intent",
          "weight": 0.95
        },
        {
          "value": "retirement income shortfall",
          "language": "en",
          "role": "intent",
          "weight": 0.95
        },
        {
          "value": "retirement savings gap",
          "language": "en",
          "role": "intent",
          "weight": 0.95
        },
        {
          "value": "Retirement Funding Gap Calculator",
          "language": "en",
          "role": "name",
          "weight": 1
        },
        {
          "value": "Estimate an annual retirement income gap, simplified portfolio target, and projected savings gap.",
          "language": "en",
          "role": "supporting",
          "weight": 0.45
        },
        {
          "value": "assets",
          "language": "en",
          "role": "topic",
          "weight": 0.45
        },
        {
          "value": "cash-flow",
          "language": "en",
          "role": "topic",
          "weight": 0.45
        },
        {
          "value": "income gap",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "portfolio target",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "retirement gap",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "retirement income",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "retirement savings",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "retirement-planning",
          "language": "en",
          "role": "topic",
          "weight": 0.45
        },
        {
          "value": "retirement-readiness",
          "language": "en",
          "role": "topic",
          "weight": 0.45
        },
        {
          "value": "withdrawal rate",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        }
      ],
      "versions": {
        "en": {
          "language": "en",
          "title": "Retirement Funding Gap Calculator",
          "description": "Free retirement funding gap calculator from OpenBook Planning. Estimate an annual retirement income gap, simplified portfolio target, and projected savings gap.",
          "url": "/calculators/retirement-gap/",
          "category": "retirement-planning",
          "pillar": "retirement-readiness"
        },
        "fr": {
          "language": "fr",
          "title": "Calculateur d'écart de financement de retraite",
          "description": "Calculateur d'écart de financement de retraite d'OpenBook Planning. Estimez un écart annuel de revenu de retraite, une cible de portefeuille simplifiée et un écart d'épargne projeté.",
          "url": "/fr/calculators/retirement-gap/",
          "category": "retirement-planning",
          "pillar": "retirement-readiness"
        },
        "zh": {
          "language": "zh",
          "title": "退休资金缺口计算器",
          "description": "OpenBook Planning 的退休资金缺口计算器。估算退休后的年度收入缺口，再按提款率计算投资组合目标金额，并与预计退休储蓄比较。",
          "url": "/zh/calculators/retirement-gap/",
          "category": "retirement-planning",
          "pillar": "retirement-readiness"
        }
      }
    },
    {
      "id": "calculator:retirement-savings-goal",
      "type": "calculator",
      "concepts": [
        {
          "id": "planning.retirement-savings",
          "weight": 1
        }
      ],
      "retrievalTerms": [
        {
          "value": "Contribution planning",
          "language": "en",
          "role": "intent",
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        {
          "value": "Moderate retirement planning",
          "language": "en",
          "role": "intent",
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        {
          "value": "Retirement savings targets",
          "language": "en",
          "role": "intent",
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        {
          "value": "Retirement Savings Goal Calculator",
          "language": "en",
          "role": "name",
          "weight": 1
        },
        {
          "value": "Estimate whether current savings and planned contributions may support a retirement spending target after simplified tax assumptions.",
          "language": "en",
          "role": "supporting",
          "weight": 0.45
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        {
          "value": "assets",
          "language": "en",
          "role": "topic",
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          "language": "en",
          "role": "topic",
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          "role": "topic",
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          "value": "income",
          "language": "en",
          "role": "topic",
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        {
          "value": "projection",
          "language": "en",
          "role": "topic",
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        {
          "value": "retirement",
          "language": "en",
          "role": "topic",
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        {
          "value": "retirement-planning",
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          "role": "topic",
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        {
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        {
          "value": "spending target",
          "language": "en",
          "role": "topic",
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      ],
      "versions": {
        "en": {
          "language": "en",
          "title": "Retirement Savings Goal Calculator",
          "description": "Educational retirement savings goal calculator for estimating savings needed at retirement, projected account values, and simplified after-tax retirement savings.",
          "url": "/calculators/retirement-savings-goal/",
          "category": "retirement-planning",
          "pillar": "retirement-readiness"
        },
        "fr": {
          "language": "fr",
          "title": "Calculateur d'objectif d'épargne-retraite",
          "description": "Calculateur éducatif d'objectif d'épargne-retraite pour estimer l'épargne requise à la retraite, les valeurs projetées des comptes et l'épargne-retraite simplifiée après impôt.",
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          "category": "retirement-planning",
          "pillar": "retirement-readiness"
        },
        "zh": {
          "language": "zh",
          "title": "退休储蓄目标计算器",
          "description": "教育用途退休储蓄目标计算器，用于估算退休时所需储蓄、账户预计价值和简化税后退休储蓄。",
          "url": "/zh/calculators/retirement-savings-goal/",
          "category": "retirement-planning",
          "pillar": "retirement-readiness"
        }
      }
    },
    {
      "id": "calculator:retirement-income-sustainability",
      "type": "calculator",
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      "retrievalTerms": [
        {
          "value": "Estimate whether a starting retirement portfolio may support a modelled spending gap over a selected retirement period.",
          "language": "en",
          "role": "intent",
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        {
          "value": "portfolio depletion",
          "language": "en",
          "role": "intent",
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        {
          "value": "retirement income sustainability",
          "language": "en",
          "role": "intent",
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        {
          "value": "retirement spending longevity",
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          "role": "intent",
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        {
          "value": "retirement withdrawal sustainability",
          "language": "en",
          "role": "intent",
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        {
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          "language": "en",
          "role": "intent",
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          "value": "Retirement Sustainability Calculator",
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          "role": "name",
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        {
          "value": "Test whether a starting portfolio may support indexed retirement spending over a selected retirement period.",
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          "role": "supporting",
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        {
          "value": "assets",
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          "role": "topic",
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          "language": "en",
          "role": "topic",
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        {
          "value": "longevity",
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          "role": "topic",
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        {
          "value": "portfolio withdrawals",
          "language": "en",
          "role": "topic",
          "weight": 0.7
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        {
          "value": "retirement cash flow",
          "language": "en",
          "role": "topic",
          "weight": 0.7
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        {
          "value": "retirement income",
          "language": "en",
          "role": "topic",
          "weight": 0.7
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        {
          "value": "retirement spending",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "retirement-planning",
          "language": "en",
          "role": "topic",
          "weight": 0.45
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        {
          "value": "retirement-readiness",
          "language": "en",
          "role": "topic",
          "weight": 0.45
        },
        {
          "value": "sustainability",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        }
      ],
      "versions": {
        "en": {
          "language": "en",
          "title": "Retirement Sustainability Calculator",
          "description": "Free retirement sustainability calculator from OpenBook Planning. Test whether a starting portfolio may support indexed retirement spending over a selected retirement period.",
          "url": "/calculators/retirement-income-sustainability/",
          "category": "retirement-planning",
          "pillar": "retirement-readiness"
        },
        "fr": {
          "language": "fr",
          "title": "Calculateur de viabilité du revenu de retraite",
          "description": "Calculateur de viabilité du revenu de retraite d'OpenBook Planning. Testez si un portefeuille de départ peut soutenir des dépenses de retraite indexées pendant une période choisie.",
          "url": "/fr/calculators/retirement-income-sustainability/",
          "category": "retirement-planning",
          "pillar": "retirement-readiness"
        },
        "zh": {
          "language": "zh",
          "title": "退休收入可持续性计算器",
          "description": "OpenBook Planning 的退休收入可持续性计算器。测试起始投资组合是否可能在选定退休期间支持经通胀调整的退休支出。",
          "url": "/zh/calculators/retirement-income-sustainability/",
          "category": "retirement-planning",
          "pillar": "retirement-readiness"
        }
      }
    },
    {
      "id": "calculator:rrif-minimum",
      "type": "calculator",
      "concepts": [
        {
          "id": "registered-account.rrif",
          "weight": 1
        },
        {
          "id": "rrif.minimum-withdrawal",
          "weight": 1
        }
      ],
      "retrievalTerms": [
        {
          "value": "Decumulation",
          "language": "en",
          "role": "intent",
          "weight": 0.65
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        {
          "value": "Retirement withdrawals",
          "language": "en",
          "role": "intent",
          "weight": 0.65
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        {
          "value": "RRIF planning",
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          "role": "intent",
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        {
          "value": "RRIF Minimum Withdrawal Calculator",
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          "role": "name",
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        },
        {
          "value": "Estimate a prescribed RRIF minimum withdrawal and project future minimum withdrawals and balances under stated assumptions.",
          "language": "en",
          "role": "supporting",
          "weight": 0.45
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        {
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          "role": "topic",
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          "role": "topic",
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          "value": "registered accounts",
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          "role": "topic",
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        {
          "value": "retirement income",
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          "role": "topic",
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        {
          "value": "retirement-planning",
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          "role": "topic",
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        {
          "value": "rrif",
          "language": "en",
          "role": "topic",
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        {
          "value": "tax-optimization",
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        {
          "value": "withdrawals",
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          "role": "topic",
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      ],
      "versions": {
        "en": {
          "language": "en",
          "title": "RRIF Minimum Withdrawal Calculator",
          "description": "Estimate the prescribed RRIF minimum withdrawal from the account’s beginning-of-year value and applicable age, then project future minimum withdrawals and balances.",
          "url": "/calculators/rrif-minimum/",
          "category": "retirement-planning",
          "pillar": "retirement-readiness"
        },
        "fr": {
          "language": "fr",
          "title": "Calculateur du retrait minimum d’un FERR",
          "description": "Estimez le retrait minimum prescrit d’un FERR à partir de la valeur du compte au début de l’année et de l’âge applicable, puis projetez les retraits minimums et les soldes futurs.",
          "url": "/fr/calculators/rrif-minimum/",
          "category": "retirement-planning",
          "pillar": "retirement-readiness"
        },
        "zh": {
          "language": "zh",
          "title": "RRIF 最低提款计算器",
          "description": "根据 RRIF 年初账户价值和适用年龄，估算规定的年度最低提款额，并测算未来最低提款额及账户余额。",
          "url": "/zh/calculators/rrif-minimum/",
          "category": "retirement-planning",
          "pillar": "retirement-readiness"
        }
      }
    },
    {
      "id": "calculator:rrsp-catch-up",
      "type": "calculator",
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        {
          "id": "registered-account.rrsp",
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        {
          "id": "rrsp.contribution-room",
          "weight": 0.55
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      ],
      "retrievalTerms": [
        {
          "value": "catch up rrsp",
          "language": "en",
          "role": "intent",
          "weight": 1
        },
        {
          "value": "how much to contribute to rrsp",
          "language": "en",
          "role": "intent",
          "weight": 1
        },
        {
          "value": "rrsp catch up",
          "language": "en",
          "role": "intent",
          "weight": 1
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        {
          "value": "RRSP catch-up contribution planning",
          "language": "en",
          "role": "intent",
          "weight": 0.65
        },
        {
          "value": "rrsp contribution room",
          "language": "en",
          "role": "intent",
          "weight": 1
        },
        {
          "value": "rrsp room catch up",
          "language": "en",
          "role": "intent",
          "weight": 1
        },
        {
          "value": "RRSP tax-savings estimates",
          "language": "en",
          "role": "intent",
          "weight": 0.65
        },
        {
          "value": "unused rrsp room",
          "language": "en",
          "role": "intent",
          "weight": 1
        },
        {
          "value": "Using available RRSP room",
          "language": "en",
          "role": "intent",
          "weight": 0.65
        },
        {
          "value": "RRSP Contribution Catch-Up Calculator",
          "language": "en",
          "role": "name",
          "weight": 1
        },
        {
          "value": "Estimate a recurring contribution pace for using a simplified starting amount of RRSP room over a selected period.",
          "language": "en",
          "role": "supporting",
          "weight": 0.45
        },
        {
          "value": "cash-flow",
          "language": "en",
          "role": "topic",
          "weight": 0.45
        },
        {
          "value": "contribution room",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "pension adjustment",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "registered accounts",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "retirement-readiness",
          "language": "en",
          "role": "topic",
          "weight": 0.45
        },
        {
          "value": "rrsp",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "rrsp catch-up",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "tax savings",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "tax-optimization",
          "language": "en",
          "role": "topic",
          "weight": 0.45
        },
        {
          "value": "tax-planning",
          "language": "en",
          "role": "topic",
          "weight": 0.45
        }
      ],
      "versions": {
        "en": {
          "language": "en",
          "title": "RRSP Contribution Catch-Up Calculator",
          "description": "Estimate the recurring contribution needed to use a simplified amount of available RRSP room over a selected number of complete years.",
          "url": "/calculators/rrsp-catch-up/",
          "category": "tax-planning",
          "pillar": "tax-optimization"
        },
        "fr": {
          "language": "fr",
          "title": "Calculateur de rattrapage des cotisations REER",
          "description": "Estimez la cotisation périodique nécessaire pour utiliser des droits REER disponibles estimés de façon simplifiée sur le nombre d’années complètes choisi.",
          "url": "/fr/calculators/rrsp-catch-up/",
          "category": "tax-planning",
          "pillar": "tax-optimization"
        },
        "zh": {
          "language": "zh",
          "title": "RRSP 补足供款计算器",
          "description": "根据简化估算的 RRSP 起始供款额度，计算在所选完整年数内用完这笔额度所需的每期供款。",
          "url": "/zh/calculators/rrsp-catch-up/",
          "category": "tax-planning",
          "pillar": "tax-optimization"
        }
      }
    },
    {
      "id": "calculator:rrsp-room",
      "type": "calculator",
      "concepts": [
        {
          "id": "registered-account.rrsp",
          "weight": 0.9
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        {
          "id": "rrsp.contribution-room",
          "weight": 1
        },
        {
          "id": "rrsp.deduction-limit",
          "weight": 0.95
        }
      ],
      "retrievalTerms": [
        {
          "value": "Distinguishing unused deduction room from contributions already made",
          "language": "en",
          "role": "intent",
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        },
        {
          "value": "Reviewing how earned income and pension adjustments affect the estimate",
          "language": "en",
          "role": "intent",
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        },
        {
          "value": "RRSP contribution-room estimates",
          "language": "en",
          "role": "intent",
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        {
          "value": "RRSP deduction-limit estimates",
          "language": "en",
          "role": "intent",
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        },
        {
          "value": "RRSP Contribution Room Calculator",
          "language": "en",
          "role": "name",
          "weight": 1
        },
        {
          "value": "Estimate the 2026 RRSP deduction limit, available contribution room after CRA-reported unused contributions, and remaining room after other relevant contributions.",
          "language": "en",
          "role": "supporting",
          "weight": 0.45
        },
        {
          "value": "available contribution room",
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          "role": "topic",
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        {
          "value": "cash-flow",
          "language": "en",
          "role": "topic",
          "weight": 0.45
        },
        {
          "value": "earned income",
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          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "pension adjustment",
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          "role": "topic",
          "weight": 0.7
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        {
          "value": "registered accounts",
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          "role": "topic",
          "weight": 0.7
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          "role": "topic",
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        {
          "value": "rrsp contribution room",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "rrsp deduction limit",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "tax-optimization",
          "language": "en",
          "role": "topic",
          "weight": 0.45
        },
        {
          "value": "tax-planning",
          "language": "en",
          "role": "topic",
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        },
        {
          "value": "unused deduction room",
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          "role": "topic",
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        },
        {
          "value": "unused rrsp contributions",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        }
      ],
      "versions": {
        "en": {
          "language": "en",
          "title": "RRSP Contribution Room Calculator",
          "description": "Estimate the 2026 RRSP deduction limit and remaining contribution room using 2025 earned income, pension adjustments, unused deduction room, and contributions already made.",
          "url": "/calculators/rrsp-room/",
          "category": "tax-planning",
          "pillar": "tax-optimization"
        },
        "fr": {
          "language": "fr",
          "title": "Calculateur des droits de cotisation au REER",
          "description": "Estimez la limite de déduction REER pour 2026 et les droits de cotisation restants selon le revenu gagné de 2025, les facteurs d’équivalence, les droits de déduction inutilisés et les cotisations.",
          "url": "/fr/calculators/rrsp-room/",
          "category": "tax-planning",
          "pillar": "tax-optimization"
        },
        "zh": {
          "language": "zh",
          "title": "RRSP 供款额度计算器",
          "description": "根据 2025 年挣得收入、养老金调整额、上年结转的未使用扣除额度和已供款金额，估算 2026 年 RRSP 扣除限额及剩余供款额度。",
          "url": "/zh/calculators/rrsp-room/",
          "category": "tax-planning",
          "pillar": "tax-optimization"
        }
      }
    },
    {
      "id": "calculator:rrsp-tax-savings",
      "type": "calculator",
      "concepts": [
        {
          "id": "registered-account.rrsp",
          "weight": 0.9
        },
        {
          "id": "rrsp.contribution-tax-savings",
          "weight": 1
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      ],
      "retrievalTerms": [
        {
          "value": "Registered-account planning",
          "language": "en",
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          "value": "Tax refund estimates",
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        {
          "value": "RRSP Contribution Tax Savings Calculator",
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        },
        {
          "value": "Estimate RRSP contribution tax savings using an entered marginal tax rate and an assumption that the contributions are fully deductible.",
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          "role": "supporting",
          "weight": 0.45
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        {
          "value": "cash-flow",
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          "value": "contribution",
          "language": "en",
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          "value": "deduction",
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          "role": "topic",
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        {
          "value": "refund",
          "language": "en",
          "role": "topic",
          "weight": 0.7
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        {
          "value": "retirement-readiness",
          "language": "en",
          "role": "topic",
          "weight": 0.45
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          "value": "rrsp",
          "language": "en",
          "role": "topic",
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        {
          "value": "tax savings",
          "language": "en",
          "role": "topic",
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        {
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          "value": "tax-planning",
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      ],
      "versions": {
        "en": {
          "language": "en",
          "title": "RRSP Contribution Tax Savings Calculator",
          "description": "Estimate the tax savings from RRSP contributions using an entered marginal tax rate, assuming the contributions are fully deductible. This is not an actual refund calculation.",
          "url": "/calculators/rrsp-tax-savings/",
          "category": "tax-planning",
          "pillar": "tax-optimization"
        },
        "fr": {
          "language": "fr",
          "title": "Calculateur d’économie d’impôt liée aux cotisations REER",
          "description": "Estimez la réduction d’impôt que pourraient procurer des cotisations REER, en supposant qu’elles sont entièrement déductibles et en utilisant le taux marginal saisi.",
          "url": "/fr/calculators/rrsp-tax-savings/",
          "category": "tax-planning",
          "pillar": "tax-optimization"
        },
        "zh": {
          "language": "zh",
          "title": "RRSP 供款节税计算器",
          "description": "假设 RRSP 供款可全额申报扣除，按输入的边际税率估算节税额。本工具不计算实际退税额。",
          "url": "/zh/calculators/rrsp-tax-savings/",
          "category": "tax-planning",
          "pillar": "tax-optimization"
        }
      }
    },
    {
      "id": "calculator:rrsp-gross-up",
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          "language": "en",
          "title": "RRSP Gross-Up Calculator",
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          "url": "/calculators/rrsp-gross-up/",
          "category": "tax-planning",
          "pillar": "cash-flow"
        },
        "fr": {
          "language": "fr",
          "title": "Calculateur de majoration REER",
          "description": "Calculateur gratuit de majoration de cotisation REER d'OpenBook Planning. Estimez une cotisation REER majorée selon une hypothèse de taux d'impôt.",
          "url": "/fr/calculators/rrsp-gross-up/",
          "category": "tax-planning",
          "pillar": "cash-flow"
        },
        "zh": {
          "language": "zh",
          "title": "RRSP 供款放大计算器",
          "description": "OpenBook Planning 的免费 RRSP 供款放大计算器。使用税率假设估算 RRSP 供款放大金额。",
          "url": "/zh/calculators/rrsp-gross-up/",
          "category": "tax-planning",
          "pillar": "cash-flow"
        }
      }
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          "description": "Free RRSP vs TFSA breakeven calculator from OpenBook Planning. Compare same-out-of-pocket RRSP and TFSA outcomes by current and future withdrawal tax rates.",
          "url": "/calculators/rrsp-tfsa-breakeven/",
          "category": "tax-planning",
          "pillar": "tax-optimization"
        },
        "fr": {
          "language": "fr",
          "title": "Calculateur du point d'équilibre REER ou CELI",
          "description": "Calculateur gratuit du point d'équilibre REER ou CELI d'OpenBook Planning. Comparez les résultats à déboursé identique selon les taux d'impôt actuels et futurs au retrait.",
          "url": "/fr/calculators/rrsp-tfsa-breakeven/",
          "category": "tax-planning",
          "pillar": "tax-optimization"
        },
        "zh": {
          "language": "zh",
          "title": "RRSP 与 TFSA 平衡点计算器",
          "description": "OpenBook Planning 的免费 RRSP 与 TFSA 平衡点计算器。按当前税率和未来提取税率比较相同自付成本下的 RRSP 与 TFSA 结果。",
          "url": "/zh/calculators/rrsp-tfsa-breakeven/",
          "category": "tax-planning",
          "pillar": "tax-optimization"
        }
      }
    },
    {
      "id": "calculator:rrsp-vs-tfsa",
      "type": "calculator",
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        {
          "id": "registered-account.rrsp",
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        {
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      ],
      "retrievalTerms": [
        {
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          "category": "investment-growth-portfolio-modeling",
          "pillar": "tax-optimization"
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          "language": "fr",
          "title": "Calculateur comparatif REER–CELI",
          "description": "Comparez les valeurs après impôt simplifiées d’un REER et d’un CELI selon les cotisations, taux d’imposition, rendement, traitement de l’économie d’impôt et cotisations de l’employeur.",
          "url": "/fr/calculators/rrsp-vs-tfsa/",
          "category": "investment-growth-portfolio-modeling",
          "pillar": "tax-optimization"
        },
        "zh": {
          "language": "zh",
          "title": "RRSP 与 TFSA 比较计算器",
          "description": "根据供款金额、税率、回报率、节税额处理和雇主配比等假设，比较 RRSP 与 TFSA 的长期税后价值。",
          "url": "/zh/calculators/rrsp-vs-tfsa/",
          "category": "investment-growth-portfolio-modeling",
          "pillar": "tax-optimization"
        }
      }
    },
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      "id": "calculator:rrsp-withdrawal-tax",
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        {
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        {
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        {
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        {
          "value": "taxable income",
          "language": "en",
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        {
          "value": "withdrawal",
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          "role": "topic",
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          "value": "withholding",
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          "role": "topic",
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      ],
      "versions": {
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          "language": "en",
          "title": "RRSP Withdrawal Tax Calculator",
          "description": "Estimate incremental tax, withholding, and after-tax cash from an RRSP or RRIF withdrawal using Canadian tax assumptions.",
          "url": "/calculators/rrsp-withdrawal-tax/",
          "category": "tax-planning",
          "pillar": "tax-optimization"
        },
        "fr": {
          "language": "fr",
          "title": "Calculateur d'impôt sur retrait REER",
          "description": "Estimez l’impôt additionnel, la retenue à la source et le montant après impôt d’un retrait REER ou FERR avec des hypothèses fiscales canadiennes.",
          "url": "/fr/calculators/rrsp-withdrawal-tax/",
          "category": "tax-planning",
          "pillar": "tax-optimization"
        },
        "zh": {
          "language": "zh",
          "title": "RRSP 提款税计算器",
          "description": "用加拿大税务假设估算 RRSP 或 RRIF 取款的增量税、预扣税和税后可用金额。",
          "url": "/zh/calculators/rrsp-withdrawal-tax/",
          "category": "tax-planning",
          "pillar": "tax-optimization"
        }
      }
    },
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          "value": "time value of money",
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          "title": "Save Early vs Late Calculator",
          "description": "Free save early vs save late calculator from OpenBook Planning. Compare the same contribution made earlier versus after a delay, and estimate the later contribution needed to catch up.",
          "url": "/calculators/save-early-late/",
          "category": "investment-growth-portfolio-modeling",
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        "fr": {
          "language": "fr",
          "title": "Calculateur épargner tôt ou tard",
          "description": "Calculateur gratuit d'épargne tôt ou tard d'OpenBook Planning. Comparez la même cotisation effectuée plus tôt ou après un délai, et estimez la cotisation tardive nécessaire pour rattraper l'écart.",
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          "pillar": "assets"
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        "zh": {
          "language": "zh",
          "title": "早存与晚存计算器",
          "description": "OpenBook Planning 早存与晚存计算器。比较同一笔定期投入从现在开始或延后开始的结果，并估算晚开始时需要投入多少才能追上。",
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        {
          "value": "Taxable-Equivalent Yield Calculator",
          "language": "en",
          "role": "name",
          "weight": 1
        },
        {
          "value": "Compare a tax-exempt yield with taxable yield using an entered marginal tax rate.",
          "language": "en",
          "role": "supporting",
          "weight": 0.45
        },
        {
          "value": "after tax yield",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "assets",
          "language": "en",
          "role": "topic",
          "weight": 0.45
        },
        {
          "value": "cash-flow",
          "language": "en",
          "role": "topic",
          "weight": 0.45
        },
        {
          "value": "finance formula",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "investment tax",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "marginal tax rate",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "tax exempt yield",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "tax-optimization",
          "language": "en",
          "role": "topic",
          "weight": 0.45
        },
        {
          "value": "tax-planning",
          "language": "en",
          "role": "topic",
          "weight": 0.45
        },
        {
          "value": "taxable equivalent yield",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        }
      ],
      "versions": {
        "en": {
          "language": "en",
          "title": "Taxable-Equivalent Yield Calculator",
          "description": "Free taxable-equivalent yield calculator from OpenBook Planning. Compare tax-exempt yield with taxable yield using an entered marginal tax rate.",
          "url": "/calculators/taxable-yield/",
          "category": "tax-planning",
          "pillar": "tax-optimization"
        },
        "fr": {
          "language": "fr",
          "title": "Calculateur de rendement équivalent imposable",
          "description": "Calculateur gratuit du rendement équivalent imposable d’OpenBook Planning. Comparez un rendement exonéré d’impôt avec un rendement imposable selon un taux marginal saisi.",
          "url": "/fr/calculators/taxable-yield/",
          "category": "tax-planning",
          "pillar": "tax-optimization"
        },
        "zh": {
          "language": "zh",
          "title": "应税等值收益率计算器",
          "description": "OpenBook Planning 的免费应税等值收益率计算器。根据输入的边际税率，比较免税收益率和应税收益率。",
          "url": "/zh/calculators/taxable-yield/",
          "category": "tax-planning",
          "pillar": "tax-optimization"
        }
      }
    },
    {
      "id": "calculator:tfsa-catch-up",
      "type": "calculator",
      "concepts": [
        {
          "id": "registered-account.tfsa",
          "weight": 0.85
        },
        {
          "id": "registered-plan.canadian",
          "weight": 0.45
        },
        {
          "id": "tfsa.contribution-room",
          "weight": 0.75
        }
      ],
      "retrievalTerms": [
        {
          "value": "Contribution pacing",
          "language": "en",
          "role": "intent",
          "weight": 0.65
        },
        {
          "value": "Registered-account planning",
          "language": "en",
          "role": "intent",
          "weight": 0.65
        },
        {
          "value": "tfsa catch up",
          "language": "en",
          "role": "intent",
          "weight": 0.95
        },
        {
          "value": "tfsa contribution pacing",
          "language": "en",
          "role": "intent",
          "weight": 0.95
        },
        {
          "value": "tfsa contribution room plan",
          "language": "en",
          "role": "intent",
          "weight": 0.95
        },
        {
          "value": "tfsa monthly contribution",
          "language": "en",
          "role": "intent",
          "weight": 0.95
        },
        {
          "value": "TFSA room catch-up",
          "language": "en",
          "role": "intent",
          "weight": 0.65
        },
        {
          "value": "use tfsa room",
          "language": "en",
          "role": "intent",
          "weight": 0.95
        },
        {
          "value": "TFSA Catch-Up Calculator",
          "language": "en",
          "role": "name",
          "weight": 1
        },
        {
          "value": "Estimate how long planned contributions may take to use available TFSA room under an editable annual-room assumption.",
          "language": "en",
          "role": "supporting",
          "weight": 0.45
        },
        {
          "value": "assets",
          "language": "en",
          "role": "topic",
          "weight": 0.45
        },
        {
          "value": "cash-flow",
          "language": "en",
          "role": "topic",
          "weight": 0.45
        },
        {
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          "language": "en",
          "role": "topic",
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        },
        {
          "value": "contribution room",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "investment-growth-portfolio-modeling",
          "language": "en",
          "role": "topic",
          "weight": 0.45
        },
        {
          "value": "monthly contribution",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "registered accounts",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "savings",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "tax-optimization",
          "language": "en",
          "role": "topic",
          "weight": 0.45
        },
        {
          "value": "tfsa",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        }
      ],
      "versions": {
        "en": {
          "language": "en",
          "title": "TFSA Catch-Up Calculator",
          "description": "Free TFSA catch-up calculator from OpenBook Planning. Estimate how long planned contributions may take to use available TFSA room.",
          "url": "/calculators/tfsa-catch-up/",
          "category": "investment-growth-portfolio-modeling",
          "pillar": "assets"
        },
        "fr": {
          "language": "fr",
          "title": "Calculateur de rattrapage CELI",
          "description": "Calculateur de rattrapage CELI d'OpenBook Planning. Estimez le temps requis pour utiliser les droits de cotisation CELI disponibles.",
          "url": "/fr/calculators/tfsa-catch-up/",
          "category": "investment-growth-portfolio-modeling",
          "pillar": "assets"
        },
        "zh": {
          "language": "zh",
          "title": "TFSA 供款补足计算器",
          "description": "OpenBook Planning 的 TFSA 供款补足计算器。估算按当前供款安排，能否在所选期限内使用完可用的 TFSA 供款额度。",
          "url": "/zh/calculators/tfsa-catch-up/",
          "category": "investment-growth-portfolio-modeling",
          "pillar": "assets"
        }
      }
    },
    {
      "id": "calculator:tfsa-room",
      "type": "calculator",
      "concepts": [
        {
          "id": "registered-account.tfsa",
          "weight": 1
        },
        {
          "id": "registered-plan.canadian",
          "weight": 0.55
        },
        {
          "id": "tfsa.contribution-room",
          "weight": 1
        }
      ],
      "retrievalTerms": [
        {
          "value": "catch up",
          "language": "en",
          "role": "intent",
          "weight": 0.95
        },
        {
          "value": "Estimate how planned TFSA contributions compare with current room plus future annual-room assumptions.",
          "language": "en",
          "role": "intent",
          "weight": 0.65
        },
        {
          "value": "room",
          "language": "en",
          "role": "intent",
          "weight": 0.95
        },
        {
          "value": "savings",
          "language": "en",
          "role": "intent",
          "weight": 0.95
        },
        {
          "value": "TFSA",
          "language": "en",
          "role": "intent",
          "weight": 0.95
        },
        {
          "value": "TFSA Room Calculator",
          "language": "en",
          "role": "name",
          "weight": 1
        },
        {
          "value": "Estimate TFSA room catch-up using editable room and annual-limit assumptions.",
          "language": "en",
          "role": "supporting",
          "weight": 0.45
        },
        {
          "value": "cash-flow",
          "language": "en",
          "role": "topic",
          "weight": 0.45
        },
        {
          "value": "catch up",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "investment-growth-portfolio-modeling",
          "language": "en",
          "role": "topic",
          "weight": 0.45
        },
        {
          "value": "room",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "savings",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "TFSA",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        }
      ],
      "versions": {
        "en": {
          "language": "en",
          "title": "TFSA Room Calculator",
          "description": "Free TFSA room calculator from OpenBook Planning. Estimate TFSA room catch-up using editable room and annual-limit assumptions.",
          "url": "/calculators/tfsa-room/",
          "category": "investment-growth-portfolio-modeling",
          "pillar": "cash-flow"
        },
        "fr": {
          "language": "fr",
          "title": "Calculateur de droits CELI",
          "description": "Calculateur gratuit de droits CELI d'OpenBook Planning. Estimez le rattrapage des droits CELI selon les droits disponibles et des hypothèses de plafond annuel modifiables.",
          "url": "/fr/calculators/tfsa-room/",
          "category": "investment-growth-portfolio-modeling",
          "pillar": "cash-flow"
        },
        "zh": {
          "language": "zh",
          "title": "TFSA 额度计算器",
          "description": "OpenBook Planning 的免费 TFSA 额度计算器。使用可编辑的额度和年度限额假设估算 TFSA 补足空间。",
          "url": "/zh/calculators/tfsa-room/",
          "category": "investment-growth-portfolio-modeling",
          "pillar": "cash-flow"
        }
      }
    },
    {
      "id": "calculator:upsizing",
      "type": "calculator",
      "concepts": [],
      "retrievalTerms": [
        {
          "value": "additional mortgage",
          "language": "en",
          "role": "intent",
          "weight": 0.95
        },
        {
          "value": "buy bigger home",
          "language": "en",
          "role": "intent",
          "weight": 0.95
        },
        {
          "value": "Estimate whether an upsizing scenario may require additional cash, higher mortgage payments, or higher annual carrying costs.",
          "language": "en",
          "role": "intent",
          "weight": 0.65
        },
        {
          "value": "higher cost home",
          "language": "en",
          "role": "intent",
          "weight": 0.95
        },
        {
          "value": "housing cost increase",
          "language": "en",
          "role": "intent",
          "weight": 0.95
        },
        {
          "value": "move up home",
          "language": "en",
          "role": "intent",
          "weight": 0.95
        },
        {
          "value": "upsizing",
          "language": "en",
          "role": "intent",
          "weight": 0.95
        },
        {
          "value": "upsizing affordability",
          "language": "en",
          "role": "intent",
          "weight": 0.95
        },
        {
          "value": "Upsizing Calculator",
          "language": "en",
          "role": "name",
          "weight": 1
        },
        {
          "value": "Estimate additional cash, new mortgage exposure, annual ownership-cost increase, and rough affordability ratios when moving to a higher-cost home.",
          "language": "en",
          "role": "supporting",
          "weight": 0.45
        },
        {
          "value": "additional mortgage",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "affordability",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "assets",
          "language": "en",
          "role": "topic",
          "weight": 0.45
        },
        {
          "value": "cash-flow",
          "language": "en",
          "role": "topic",
          "weight": 0.45
        },
        {
          "value": "home purchase",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "housing cost increase",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "larger home",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "liabilities",
          "language": "en",
          "role": "topic",
          "weight": 0.45
        },
        {
          "value": "mortgage-debt",
          "language": "en",
          "role": "topic",
          "weight": 0.45
        },
        {
          "value": "move up",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "upsizing",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        }
      ],
      "versions": {
        "en": {
          "language": "en",
          "title": "Upsizing Calculator",
          "description": "Free upsizing calculator from OpenBook Planning. Estimate additional cash needed, new mortgage exposure, ownership-cost increase, and rough affordability ratios when moving to a higher-cost home.",
          "url": "/calculators/upsizing/",
          "category": "mortgage-debt",
          "pillar": "liabilities"
        },
        "fr": {
          "language": "fr",
          "title": "Calculateur d'agrandissement résidentiel",
          "description": "Estimez les liquidités additionnelles, la nouvelle exposition hypothécaire, l'augmentation des coûts de propriété et des ratios d'abordabilité approximatifs lors d'un achat plus coûteux.",
          "url": "/fr/calculators/upsizing/",
          "category": "mortgage-debt",
          "pillar": "liabilities"
        },
        "zh": {
          "language": "zh",
          "title": "换大房计算器",
          "description": "估算换购价格较高的住房时，需要补充多少现金、需借多少房贷，以及每年的住房支出如何变化。",
          "url": "/zh/calculators/upsizing/",
          "category": "mortgage-debt",
          "pillar": "liabilities"
        }
      }
    },
    {
      "id": "calculator:vehicle-lease-loan",
      "type": "calculator",
      "concepts": [],
      "retrievalTerms": [
        {
          "value": "Lease or loan comparison",
          "language": "en",
          "role": "intent",
          "weight": 0.65
        },
        {
          "value": "Transportation cash flow",
          "language": "en",
          "role": "intent",
          "weight": 0.65
        },
        {
          "value": "Vehicle financing",
          "language": "en",
          "role": "intent",
          "weight": 0.65
        },
        {
          "value": "vehicle_lease_or_loan",
          "language": "en",
          "role": "intent",
          "weight": 0.95
        },
        {
          "value": "Vehicle Lease or Loan Calculator",
          "language": "en",
          "role": "name",
          "weight": 1
        },
        {
          "value": "Compare simplified vehicle loan and lease payments, including monthly, biweekly, and weekly payment estimates.",
          "language": "en",
          "role": "supporting",
          "weight": 0.45
        },
        {
          "value": "auto loan",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "car loan",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "cash-flow",
          "language": "en",
          "role": "topic",
          "weight": 0.45
        },
        {
          "value": "debt",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "lease",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "liabilities",
          "language": "en",
          "role": "topic",
          "weight": 0.45
        },
        {
          "value": "loan",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "mortgage-debt",
          "language": "en",
          "role": "topic",
          "weight": 0.45
        },
        {
          "value": "payment",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "transportation",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "vehicle",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "you",
          "language": "en",
          "role": "topic",
          "weight": 0.45
        }
      ],
      "versions": {
        "en": {
          "language": "en",
          "title": "Vehicle Lease or Loan Calculator",
          "description": "Free vehicle lease or loan calculator comparing estimated monthly, biweekly, and weekly payments with total cash cost.",
          "url": "/calculators/vehicle-lease-loan/",
          "category": "mortgage-debt",
          "pillar": "liabilities"
        },
        "fr": {
          "language": "fr",
          "title": "Calculateur location ou prêt automobile",
          "description": "Calculateur gratuit de location ou prêt automobile comparant les paiements mensuels, aux deux semaines et hebdomadaires estimés avec le coût total en argent.",
          "url": "/fr/calculators/vehicle-lease-loan/",
          "category": "mortgage-debt",
          "pillar": "liabilities"
        },
        "zh": {
          "language": "zh",
          "title": "汽车租赁或贷款计算器",
          "description": "免费汽车租赁或贷款计算器，用于比较估算的月付、双周付、周付和所选期间内的现金支出。",
          "url": "/zh/calculators/vehicle-lease-loan/",
          "category": "mortgage-debt",
          "pillar": "liabilities"
        }
      }
    },
    {
      "id": "calculator:wacc",
      "type": "calculator",
      "concepts": [],
      "retrievalTerms": [
        {
          "value": "after-tax cost of debt",
          "language": "en",
          "role": "intent",
          "weight": 0.95
        },
        {
          "value": "capital structure",
          "language": "en",
          "role": "intent",
          "weight": 0.95
        },
        {
          "value": "cost of capital",
          "language": "en",
          "role": "intent",
          "weight": 0.95
        },
        {
          "value": "Model a simplified WACC formula from user-entered capital structure assumptions.",
          "language": "en",
          "role": "intent",
          "weight": 0.65
        },
        {
          "value": "WACC",
          "language": "en",
          "role": "intent",
          "weight": 0.95
        },
        {
          "value": "weighted average cost of capital",
          "language": "en",
          "role": "intent",
          "weight": 0.95
        },
        {
          "value": "WACC Calculator",
          "language": "en",
          "role": "name",
          "weight": 1
        },
        {
          "value": "Estimate weighted average cost of capital from equity weight, debt weight, cost of equity, pre-tax cost of debt, and tax rate.",
          "language": "en",
          "role": "supporting",
          "weight": 0.45
        },
        {
          "value": "after-tax cost of debt",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "assets",
          "language": "en",
          "role": "topic",
          "weight": 0.45
        },
        {
          "value": "capital structure",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "cost of capital",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "finance formula",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "investment-growth-portfolio-modeling",
          "language": "en",
          "role": "topic",
          "weight": 0.45
        },
        {
          "value": "liabilities",
          "language": "en",
          "role": "topic",
          "weight": 0.45
        },
        {
          "value": "tax-optimization",
          "language": "en",
          "role": "topic",
          "weight": 0.45
        },
        {
          "value": "WACC",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "weighted average cost of capital",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        }
      ],
      "versions": {
        "en": {
          "language": "en",
          "title": "WACC Calculator",
          "description": "Free WACC calculator from OpenBook Planning. Estimate weighted average cost of capital from equity weight, debt weight, cost of equity, pre-tax cost of debt, and tax rate.",
          "url": "/calculators/wacc/",
          "category": "investment-growth-portfolio-modeling",
          "pillar": "assets"
        },
        "fr": {
          "language": "fr",
          "title": "Calculateur du CMPC",
          "description": "Calculateur gratuit du coût moyen pondéré du capital d’OpenBook Planning. Estimez le CMPC à partir du poids des capitaux propres, du poids de la dette, du coût des capitaux propres, du coût de la dette avant impôt et du taux d’imposition.",
          "url": "/fr/calculators/wacc/",
          "category": "investment-growth-portfolio-modeling",
          "pillar": "assets"
        },
        "zh": {
          "language": "zh",
          "title": "加权平均资本成本（WACC）计算器",
          "description": "OpenBook Planning 的免费 WACC 计算器。根据权益权重、债务权重、权益成本、税前债务成本和税率估算加权平均资本成本。",
          "url": "/zh/calculators/wacc/",
          "category": "investment-growth-portfolio-modeling",
          "pillar": "assets"
        }
      }
    },
    {
      "id": "calculator:withdrawal-rate",
      "type": "calculator",
      "concepts": [],
      "retrievalTerms": [
        {
          "value": "4 percent rule",
          "language": "en",
          "role": "intent",
          "weight": 0.95
        },
        {
          "value": "4% rule",
          "language": "en",
          "role": "intent",
          "weight": 0.95
        },
        {
          "value": "Decumulation planning discussions",
          "language": "en",
          "role": "intent",
          "weight": 0.65
        },
        {
          "value": "first year withdrawal",
          "language": "en",
          "role": "intent",
          "weight": 0.95
        },
        {
          "value": "First-year retirement cash-flow testing",
          "language": "en",
          "role": "intent",
          "weight": 0.65
        },
        {
          "value": "inflation adjusted withdrawal",
          "language": "en",
          "role": "intent",
          "weight": 0.95
        },
        {
          "value": "portfolio withdrawal",
          "language": "en",
          "role": "intent",
          "weight": 0.95
        },
        {
          "value": "Pre-retirement savings bridge to withdrawal start",
          "language": "en",
          "role": "intent",
          "weight": 0.65
        },
        {
          "value": "retirement withdrawal rate",
          "language": "en",
          "role": "intent",
          "weight": 0.95
        },
        {
          "value": "Retirement withdrawal-rate checks",
          "language": "en",
          "role": "intent",
          "weight": 0.65
        },
        {
          "value": "safe withdrawal rate",
          "language": "en",
          "role": "intent",
          "weight": 0.95
        },
        {
          "value": "save until retirement",
          "language": "en",
          "role": "intent",
          "weight": 0.95
        },
        {
          "value": "savings before withdrawals",
          "language": "en",
          "role": "intent",
          "weight": 0.95
        },
        {
          "value": "sustainable withdrawal rate",
          "language": "en",
          "role": "intent",
          "weight": 0.95
        },
        {
          "value": "withdrawal rate",
          "language": "en",
          "role": "intent",
          "weight": 0.95
        },
        {
          "value": "Withdrawal Rate Calculator",
          "language": "en",
          "role": "name",
          "weight": 1
        },
        {
          "value": "Estimate a projected first-year retirement portfolio withdrawal rate from retirement spending, income from other sources, portfolio assets, optional savings before withdrawals begin, and inflation.",
          "language": "en",
          "role": "supporting",
          "weight": 0.45
        },
        {
          "value": "4% rule",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "assets",
          "language": "en",
          "role": "topic",
          "weight": 0.45
        },
        {
          "value": "cash-flow",
          "language": "en",
          "role": "topic",
          "weight": 0.45
        },
        {
          "value": "decumulation",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "portfolio withdrawals",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "retirement income",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "retirement spending",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "retirement-planning",
          "language": "en",
          "role": "topic",
          "weight": 0.45
        },
        {
          "value": "retirement-readiness",
          "language": "en",
          "role": "topic",
          "weight": 0.45
        },
        {
          "value": "safe withdrawal rate",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "sustainable withdrawal rate",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "withdrawal rate",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        }
      ],
      "versions": {
        "en": {
          "language": "en",
          "title": "Withdrawal Rate Calculator",
          "description": "Free withdrawal rate calculator from OpenBook Planning. Estimate a projected first-year retirement portfolio withdrawal rate with optional savings and inflation.",
          "url": "/calculators/withdrawal-rate/",
          "category": "retirement-planning",
          "pillar": "retirement-readiness"
        },
        "fr": {
          "language": "fr",
          "title": "Calculateur du taux de retrait",
          "description": "Calculateur gratuit du taux de retrait d'OpenBook Planning. Estimez un taux de retrait du portefeuille la première année de retraite avec épargne facultative et inflation.",
          "url": "/fr/calculators/withdrawal-rate/",
          "category": "retirement-planning",
          "pillar": "retirement-readiness"
        },
        "zh": {
          "language": "zh",
          "title": "提款率计算器",
          "description": "OpenBook Planning 免费提款率计算器。根据退休收支、投资组合金额及提款前的储蓄和通胀假设，估算首年提款率。",
          "url": "/zh/calculators/withdrawal-rate/",
          "category": "retirement-planning",
          "pillar": "retirement-readiness"
        }
      }
    }
  ]
}