Tools

Tools to visualize your decisions.

An interactive calculator for each of our areas of expertise — investment, planning, tax, retirement, insurance and financing. Adjust the parameters and see the results live.

Investing

Portfolio management

Investment return

Project the growth of a capital based on your contributions and a hypothetical rate of return.

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Lump sum vs. staggered

Compare the 5-year return distribution between investing all capital immediately or staggering it.

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Return distribution by profile

Visualize the historical distribution of annualized returns (3, 5, 7 and 10 years) by strategic asset allocation profile.

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Strategy

Financial planning

TFSA contribution room

Estimate your cumulative TFSA contribution room based on your birth year.

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RESP accumulation

Project the growth of an RESP with government grants (CESG, QESI, BCTESG, CLB).

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RDSP accumulation

Project the growth of an RDSP with the Canada Disability Savings Grant and Bond.

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Optimization

Tax planning

Flow-through shares

Estimate the after-tax profitability of a flow-through share investment.

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After-tax return

Compare net return by income type: interest, eligible or non-eligible dividend, capital gain.

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RRSP tax refund

Estimate the tax refund from an RRSP contribution, for all 10 provinces and 3 territories.

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Salary vs. dividend

Compare the net personal amount when active business income is extracted as salary or as a dividend.

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Drawdown

Retirement

Accumulated QPP value

Visualize the accumulated value of the Quebec Pension Plan retirement pension by starting age.

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Accumulated OAS value

Visualize the accumulated value of the Old Age Security pension by chosen starting age.

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RRIF minimum withdrawal

Project the prescribed minimum withdrawals of a RRIF and the balance over time, up to age 100.

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Wealth transfer

Estate planning

Tax at death

Estimate the additional tax caused by the deemed disposition at death and RRSP/RRIF income inclusion.

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Protection

Insurance and annuities

Insurance policy IRR

Calculate the internal rate of return of a life insurance policy, year by year, from an editable table.

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Annuity IRR

Calculate the internal rate of return of an annuity, year by year, from an editable payment table.

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Financing

Banking solutions

Mortgage payments

Calculate your mortgage payments using the Canadian convention (semi-annual compounding).

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Next step

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