Using the calculators
Quick tour of the four free calculators — what each one is good for and what it isn't.
We have four free calculators. They’re honest about their assumptions, can be shared via URL, and let you email yourself the results. None require an account.
Retirement
Project a retirement portfolio from your current age to your target age, with sliders for contribution, return, inflation, and Social Security or CPP timing. Best for: gut-checking whether you’re saving enough.
Mortgage
Amortization schedule + extra-payment impact. The chart shows how a small extra monthly payment shaves years off the mortgage. Best for: deciding between paying down debt vs. investing the surplus.
Life insurance
Estimate how much coverage you’d need based on income replacement, mortgage clearance, education funding, and final expenses. Best for: deciding whether an existing policy is enough.
Investment projector
Project growth across roughly 15 account types (RRSP, TFSA, FHSA, 401k, IRAs, non-registered, RDSP, RESP, etc.) with realistic tax assumptions. Best for: comparing two account choices side-by-side.
What calculators aren’t
Calculators are educational, not advice. They use general assumptions and don’t know your tax bracket, marital status, employer match, or estate plan. For decisions with real money on the line, work with a verified advisor.