Financial Planning

Cash Flow

Get a better idea of where your money goes by creating a personal cash flow statement

Net Worth

Calculate what you own and what you owe – an important step in planning your financial future

Investor Profile

Understanding yourself as an investor is important when creating an effective investment portfolio

Education Planning

Start Education Planning Now

See how saving early can make a significant difference

Tax Benefits of an RESP

Discover how tax sheltered growth in an RESP can build a post-secondary school education fund for your children

Retirement Planning

Inflation and Retirement Income

Estimate how much more income you will need at retirement to maintain the standard of living that you have today

Will the Money Last?

Estimate how long your retirement savings will last if you make regular, annual income withdrawals and factor in inflation

RRIF Payment

Calculate your RRIF payment and see how long the funds will last

TFSA vs. RRSP

Find out how your marginal tax rate, and whether you invest or spend your RRSP tax refund, affects the growth of your TFSA or RRSP

Investing & Taxes

Savings Growth

Estimate the future value of your savings by changing the investment amounts, rates of return and years of growth

Cost of Waiting to Invest

See how much more you will have in your retirement fund if you start investing now

Real Rate of Return

This tool determines the real rate of return on a taxable investment after taking taxes and inflation into account, and illustrates what the investments will be worth, in after tax dollars

RRSP Tax Savings

Estimate the tax savings on your RRSP contribution. You can enter three different amounts to compare the savings

TFSA vs. Taxable Investment

Discover the tax-free growth advantage of investing in a TFSA instead of taxable investment

Income Tax

Estimate the taxes you owe based on your taxable income and the province you live in

Financial Calculators

Charitable Giving Tax Credit Calculator

Discover the impact a charitable donation can have on your taxes.  This calculator determines how much you could save based on your donation and place of residence

Tax Savings Calculator

How much would you have to donate in order to eliminate your capital gains tax? Use our Tax Savings Calculator to find out.

Donation of Securities Calculator

Use the Donation of Securities Calculator to generate a summary of the tax implications and other financial details of your charitable donation

Personal Finance

Car Lease or Buy Calculator

The calculator is designed to give you a comparison of various vehicle ownership options over the same eight year timeframe

Useful Links

Personal Tax Organizer

Personal Tax Calendar

Canada Revenue Agency

CRA for Business

Ufile.ca