Free Calculators
Model it before you commit to it.
Five quick tools for the numbers that come up most — checking whether you're on pace to retire, growing an investment, hitting a savings goal, drawing down a portfolio in retirement, and estimating estate tax & probate exposure. For illustration only; not a guarantee of returns.
Retirement Readiness Calculator
Move the sliders and see whether your current pace gets you to the retirement you actually want.
Your Age Today 30
Age You Want To Retire 65
Plan Until Age 90
How long your money needs to last — most plans use 90–95 to be safe. This is the age the gap/surplus number below is built around.
Current Investment Portfolio $25,000
$
TFSA, RRSP and non-registered investments combined — not including your home.
You Invest Per Month $600
$
Monthly Lifestyle In Retirement $4,500/mo
$
In today's dollars — what it costs to live the way you want to live, per month.
Assumptions
%/yr
%/yr
%/yr
Defaults: 7% growth while you're still investing, shifting to a safer 4.5% once you retire (at the age you set above), with 3% inflation throughout — adjust any of these to match your own plan.
Retirement Outlook 35 years to grow this
You're Projected To Have
$0
You'll Actually Need
$0
Your Gap
$0
Projected Portfolio vs. What You'll Need
Investment Growth Calculator (SIP)
Combine a lump sum with monthly contributions, or use either on its own — set the other to $0.
Starting Lump Sum $0
$
Monthly Investment $500
$
Annual Return Rate 7%
%
Time Period 20 yrs
yrs
Projected Outcome
Total Value
$0
Total Invested
$0
Gains From Compounding
$0
0% return on total invested
Portfolio Growth Over Time
Goal Planner
How much do you need to invest monthly to reach a specific target?
Target Amount $500,000
$
Current Savings $0
$
Annual Return Rate 7%
%
Time Period 15 yrs
yrs
What It Takes
Required Monthly Investment
$0
Total You'll Contribute
$0
Growth From Compounding
$0
Projected Balance vs. Target
Withdrawal Planner (SWP)
How long will a portfolio last if you draw a fixed amount from it every month?
Starting Portfolio $500,000
$
Monthly Withdrawal $2,000
$
Annual Return Rate 5%
%
How Long It Lasts
Portfolio Lasts
0 years
Total Withdrawn
$0
Portfolio Balance Over Time
Estate Tax & Probate Calculator
Project what taxes, probate fees and life insurance needs could look like at a future age — by province, asset type and expected growth.
Province
Current Age 55
Age At Estate Transfer 85
Life expectancy, or any future age you want to plan around.
RRSP / RRIF Balance (Today) $600,000
$
%
TFSA Balance (Today) $100,000
$
%
Non-Registered Investments (Today) $300,000
$
%
Original Cost (ACB) $200,000
$
What you paid — used to work out the capital gain. Cost base doesn't grow.
Principal Residence (Today) $400,000
$
%
Your home — exempt from capital gains tax under the principal residence exemption.
Investment Property & Other Assets (Today) $0
$
%
Investment Property Cost Base (ACB) $0
$
Rental property, cottage or land you paid for — taxed as a capital gain on growth above this amount.
Debts & Final Expenses $50,000
$
Mortgage, loans, funeral and legal/executor costs, in today's dollars.
Marginal Tax Rate At Death 45%
%
Passing Outside Probate 40%
Share of the estate with named beneficiaries or held jointly — it skips probate entirely.
Existing Life Insurance $0
$
A level death benefit — assumed to stay the same coverage amount.
Projected Outcome (At Age 85)
Projected Gross Estate
$1,400,000
Tax On RRSP/RRIF & Capital Gains
$292,500
Assumes no spousal rollover.
Estimated Probate Fees (Ontario)
$11,100
Net To Heirs (75% of gross estate)
$1,046,400
Coverage Gap To Close With Insurance
$353,600
Tax, probate and debts, less any insurance already in place.
This estimate projects today's balances forward using the growth rates you enter, then applies simplified, illustrative provincial probate rates. It treats your principal residence as fully exempt from capital gains tax and applies capital gains tax to investment property and non-registered investments above their cost base. It does not account for trusts, incorporated business structures, multiple properties, or your complete financial picture. It is not tax or legal advice — treat it as a starting point for our conversation, not a final number.
For illustrative purposes only. Returns are not guaranteed, and actual market performance will vary. These tools do not constitute financial, tax or legal advice, and don't account for fees, inflation, or your full financial picture — I'll work through your real numbers on a call.
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