Free tools
Run your own numbers before anyone tries to sell you anything.
Every calculator here is free, needs no signup to use, and shows its assumptions. Use them on your own, or bring the output to a conversation with us.
Insurance and protection
Life risk calculator
Your personal odds of death, critical illness or long-term disability before 65, from Statistics Canada and CLHIA data.
Open the toolLife insurance needs calculator
Income replacement, mortgage, education and existing coverage netted into your exact coverage gap — live as you slide.
Open the toolEducation savings
RESP calculator
What your contributions, the government grant and growth are worth by age 18.
Open the toolRESP contribution and grant limits
Annual and lifetime caps, the catch-up rule, and the monthly number that captures every grant dollar.
Open the toolRESP vs TFSA
Side-by-side projection of the same contribution in each, plus where the TFSA genuinely wins.
Open the toolRESP fees by institution
What banks, robo-advisors and insurers charge, and what the fee gap costs by the time school starts.
Open the toolRESP transfer guide
How to move a plan without losing the grant, and what the move is worth on your own numbers.
Open the toolRESP comparison tool
Enter your current bank, fund or ETF and compare it against a professionally managed portfolio.
Open the toolKids' head start planner
One monthly budget split across an RESP and a whole life policy, with the blended 18-year outcome.
Open the toolNewborn head start calculator
For babies and toddlers: what every year of waiting costs by 18, and the grant lost for good.
Open the toolTeen RESP catch-up calculator
For ages 13-17: grant still claimable before it expires, the four-year tuition gap, and the monthly that closes it.
Open the toolPensions and retirement
Commuted value vs pension calculator
For OPG, GM and teacher pensions: the return a lump sum must earn to match the pension, plus the transfer limit and taxable excess.
Open the toolPension legacy gap calculator (no spouse)
For nurses and public-sector members with no spouse: what your plan pays your children when the guarantee runs out, and what a small slice of the same income pays instead.
Open the toolBusiness and estate
Corporate tax deferral calculator
What leaving profit in the corporation is worth against taking it out as salary or dividends.
Open the toolEstate tax calculator
The tax bill your estate is on track to hand your family, and what offsets it.
Open the toolGroup benefits cost calculator
What a benefits plan costs per employee at your headcount and coverage level.
Open the tool