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Planning calculators

Calculators and planning tools

Use these tools to explore financial planning questions, test assumptions, and understand how different planning variables affect the result. Start with a quick tool, explore a focused planning utility, or use the Calculator Concierge if you are not sure where to begin.

Find a calculator by topic or keyword

Start typing a calculator name, account type, planning category, or CLARITY Framework™ pillar.

    Calculator concierge

    Not sure which tool fits your question?

    Use the under-development Calculator Concierge to move from a plain-language planning question to a calculator, intake fields, and related follow-up tools.

    Try the Calculator Concierge

    Flagship calculators

    Deeper planning tools for high-impact decisions

    Flagship calculators are built for more consequential planning questions. They use more assumptions, richer reports, and clearer methodology notes.

    Retirement Calculator

    Model retirement income, withdrawals, CPP/QPP, OAS, and savings against an after-tax spending target.

    DB Pension vs Commuted Value Calculator

    Compare a defined benefit pension income stream with a commuted value scenario using transparent assumptions.

    Budget Planner Calculator

    Estimate monthly cash flow, savings rate, debt ratio, housing ratio, and surplus or deficit.

    Retirement Withdrawal Calculator

    Compare educational retirement withdrawal scenarios across registered, TFSA, non-registered, pension, tax, cash-flow, and estate assumptions.

    Quick Tools

    Fast starting points

    Quick tools are designed for first-pass estimates and everyday planning questions. They use fewer assumptions and are often a good place to begin.

    Net Worth Calculator Estimate assets, liabilities, and personal net worth as a planning snapshot. RRSP Contribution Tax Savings Calculator Estimate potential tax savings from an RRSP contribution under a simplified marginal-rate model. Mortgage Payment Calculator Estimate a Canadian-style mortgage payment using nominal annual interest compounded semi-annually. Marginal Tax Rate Estimator Estimate the additional tax on a selected amount of ordinary income, capital gains, eligible dividends, or non-eligible dividends. Marginal Effective Tax Rate Calculator Estimate how selected income tax, payroll contribution, and OAS recovery components may reduce an additional amount of income. Emergency Fund Calculator Estimate an emergency fund target, current progress, and the saving needed to reach selected months of expense coverage. OAS Clawback Calculator Estimate the OAS clawback, formally the Old Age Security recovery tax, from income assumptions.

    Planning Utilities

    Focused comparison and decision-support tools

    Planning utilities go beyond a quick estimate. They help compare strategies, understand tradeoffs, or examine a specific planning decision.

    RRSP vs TFSA Comparison Calculator Compare simplified RRSP and TFSA outcomes using contribution, tax-rate, return, and refund assumptions. DB Pension vs Commuted Value Calculator Compare a defined benefit pension income stream with a commuted value scenario using transparent assumptions. RRIF Minimum Withdrawal Calculator Estimate prescribed RRIF minimum withdrawals and projected balances using transparent assumptions. FHSA/HBP Planner Estimate how FHSA savings, HBP withdrawals, RRSP savings, and other funds may support a first-home purchase. Budget Planner Calculator Estimate monthly cash flow, savings rate, debt ratio, housing ratio, and surplus or deficit. CPP/QPP Timing Calculator Compare simplified start-age scenarios for Canadian public pension benefits.