Rent or buy
Compare buying a home with renting and investing the difference.
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Compare your scenarios with our calculators. No account needed to get started.
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Family benefits and parental leave
Estimate child benefits and Quebec parental leave benefits.
Open calculatorInvestment priority compass
Explore priorities between TFSA, RRSP, FHSA and non-registered accounts.
Open calculatorTFSA: limit and projection
Explore annual limits and project your TFSA’s growth.
Open calculatorTFSA or RRSP
Compare the after-tax value of both accounts using your assumptions.
Open calculatorFHSA: first home
Project the value of your first-home savings account.
Open calculatorETF overlap
Compare shared stocks and analyzed coverage across two to five ETFs.
Open calculatorCoast FIRE
Estimate your Coast FIRE target, the gap and the path to retirement.
Open calculatorMultiplex or house
Compare buying a rental multiplex with a single-family house.
Open calculatorQuebec marginal tax curve
Visualize the estimated real marginal tax rate by household situation in Quebec.
Open calculatorDetailed FIRE
Estimate the capital and early retirement age based on savings and spending.
Open calculatorCapital gains tax
Estimate the tax and net proceeds from selling stocks or ETFs.
Open calculatorMortgage
Calculate payments, interest and the balance over the amortization period.
Open calculatorManagement fee impact
Compare two MERs and their effect on the projected value of your investments.
Open calculatorTax at death
Estimate tax at death on non-registered and RRSP/RRIF accounts.
Open calculatorInflation
Explore how inflation changes your money’s purchasing power over time.
Open calculatorCompound interest
Project your balance and contributions year by year, including inflation.
Open calculatorSmith maneuver
Simulate progressively converting mortgage debt into investment debt.
Open calculatorNorbert’s Gambit
Compare USD/CAD conversion costs and the estimated break-even point.
Open calculatorSavings goal
Estimate how much to save each month to reach your target.
Open calculatorRetirement withdrawal order
Explore withdrawals from RRSP/RRIF, TFSA and non-registered accounts.
Open calculatorFirst-home savings
Combine HBP, FHSA and TFSA amounts for your down payment.
Open calculatorRESP and education savings
Estimate CESG grants and your child’s projected education savings.
Open calculatorRRSP and tax
Estimate the tax savings from a contribution and project retirement savings.
Open calculatorRefinance to invest
Explore borrowing to invest under different cost and return assumptions.
Open calculatorDebt payoff
Compare snowball and avalanche methods with a monthly simulation.
Open calculatorAfter-tax return
Compare estimated tax on interest, dividends and capital gains.
Open calculatorRRIF minimum withdrawal
Estimate the minimum withdrawal by age and project the RRIF balance.
Open calculatorRetirement: savings and withdrawals
Project the accumulation and drawdown of savings through retirement.
Open calculatorWhen to take CPP/QPP
Compare cumulative payments when starting at age 60, 65 or 70.
Open calculatorTake-home pay
Estimate pay after tax and payroll contributions by province.
Open calculatorSalary or dividends
Compare salary and dividend compensation for a corporation owner.
Open calculatorBucket strategy
Divide a portfolio into short-, medium- and long-term reserves.
Open calculatorNet worth
Add up your assets and subtract your debts for a clear snapshot.
Open calculatorNasdaq historical return
Explore cumulative and annualized Nasdaq Composite price returns, excluding dividends.
Open calculatorS&P 500 historical return
Explore cumulative and annualized S&P 500 price returns, excluding dividends.
Open calculatorTSX historical return
Explore cumulative and annualized S&P/TSX Composite price returns, excluding dividends.
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The app brings your accounts, holdings and analysis together. Public calculations are not transferred automatically.
Illustrative calculations based on the assumptions and sources stated in each tool. Not financial or tax advice.