Flagship tool
Retirement calculator
Estimate whether registered, non-registered, TFSA, pension, CPP/QPP, and OAS income may support an after-tax retirement spending goal.
Planning calculators
Practical calculators for Canadian retirement and tax planning.
Each calculator is designed to make assumptions visible and help users explore planning scenarios more thoughtfully. The calculators are educational in nature and are intended to support understanding, not replace personalized professional advice.
Calculator categories
Browse by planning area
Choose a category to view its calculators. Only one category opens at a time unless you expand all.
RRIF minimum withdrawal calculator
Estimate prescribed minimum withdrawals and project balances using transparent assumptions.
Future value calculator
Project a lump sum or contribution stream using a simple return assumption.
Savings goal calculator
Estimate the contribution needed to reach a future target amount.
RRSP vs TFSA comparison
Compare simplified long-term TFSA and RRSP outcomes using contribution, tax-rate, return, and refund assumptions.
Compound growth calculator
Show how compounding affects balances over time using a fixed rate assumption.
Mortgage payment calculator
Estimate a recurring mortgage payment from principal, rate, and amortization assumptions.
Mortgage amortization calculator
Illustrate principal and interest over a simplified mortgage schedule.
Loan payment calculator
Estimate a loan payment using balance, rate, term, and payment frequency assumptions.
Marginal tax rate estimator
Estimate a simplified marginal tax rate for planning conversations.
Federal Alternative Minimum Tax (AMT) exposure estimator
Screen for possible federal AMT exposure using simplified preference-item assumptions.
Capital gains tax estimator
Estimate tax on a capital gain using simplified inclusion and rate assumptions.
Eligible dividend tax estimator
Estimate taxable income and tax effects from eligible dividend assumptions.
RRSP contribution tax savings calculator
Estimate potential tax savings from an RRSP contribution under a simple marginal-rate model.
CPP/QPP timing calculator
Compare simplified start-age scenarios for Canadian public pension benefits.
OAS clawback estimator
Estimate potential Old Age Security recovery tax exposure from income assumptions.
Education planning calculators
Focused education-savings calculators are planned for a later phase.
PlannedNet estate value estimator
Estimate a simplified net estate value after debts, taxes, and settlement assumptions.
PlannedProbate/estate cost estimator
Placeholder for estimating selected estate administration costs by planning assumptions.
PlannedBusiness-owner calculators
Focused calculators for owner-managers and professionals are planned for a later phase.
PlannedCross-border calculators
Cross-border planning calculators are planned for a later phase.
PlannedPersonal net worth calculator
Estimate total assets, total liabilities, and net worth using a simple planning snapshot.