CALCULATORS
Work the Numbers Yourself
Ten tools for the questions people actually ask us: how much cover do I need, when should I start CPP, what does an RRSP contribution give me back. Every one of them is an estimate to start a conversation with, not a quote.
CPP & OAS Retirement Calculator
See what starting CPP early or late does to your monthly cheque, and what OAS pays after your years in Canada and any deferral.
Life Insurance Needs Calculator
Work out the gap between what your family would need and what you have already put in place.
Disability Insurance Calculator
Find the monthly benefit that would actually keep your household running if you could not work.
Investment Growth Calculator
Project what regular contributions turn into over time, and see how much of it is growth rather than your own money.
Rule of 72 Calculator
The mental shortcut for how long money takes to double — with the precise figure alongside it.
Leverage vs TFSA Calculator
Compare borrowing to invest against simply contributing the same cash to a TFSA.
RESP and education grant
What an RESP grows to by the time they start school, and whether you are capturing the full government grant.
RRSP refund
What a contribution refunds you, which depends on the tax bracket it comes off the top of.
TFSA growth
What regular contributions grow to when none of the growth is ever taxed.
RDSP grant and bond
What the disability savings grant and bond are worth, and the contribution that captures the full match.
Rather have someone walk you through it?
A calculator gives you a number. An advisor tells you whether it is the right one for your situation.