Free tools

Financial calculators

Estimate life insurance coverage, RRSP growth, mortgage payments, and more. Built for Brampton and GTA families by Jatinder Singh CLU CHS QAFP.

Insurance & planning

Life Insurance

How much life insurance do I need?

Estimate your coverage gap based on income replacement, outstanding debts, and existing policies.

Income, debts, existing coverageOpen →

RRSP vs. TFSA

RRSP or TFSA — which is right for me?

Compare the after-tax value of each account based on your income today and in retirement.

Income, province, retirement incomeOpen →

Mortgage Protection

Mortgage insurance vs. life insurance

Side-by-side comparison of lender mortgage insurance vs. term life for protecting your home.

Balance, term comparisonOpen →

Savings & investment

RRSP Growth

RRSP growth calculator

Project your tax-deferred RRSP balance at retirement including an existing balance and year-by-year chart.

Age, existing balance, contributions, chartOpen →

TFSA Growth

TFSA growth calculator

Estimate your tax-free balance at retirement with an existing balance and year-by-year projection.

Age, existing balance, contributions, chartOpen →

FHSA Growth

FHSA growth calculator

See how much you can save for your first home with the First Home Savings Account.

Existing balance, annual contribution, chartOpen →

RESP Grant Calculator

RESP education savings calculator

See how government CESG grants of 20% boost your child's education fund year by year.

Age, existing balance, CESG grants, chartOpen →

RRSP Tax Refund

RRSP contribution tax refund estimator

Calculate how much tax you get back this year for your RRSP contribution, by province.

Income, contribution, Ontario or AlbertaOpen →

Mortgage

Mortgage Payment

Mortgage payment calculator

Calculate your monthly payment and total interest for any Canadian mortgage with a year-by-year breakdown.

Price, down payment, rate, amortizationOpen →

Mortgage Affordability

How much mortgage can I afford?

Estimate your maximum purchase price based on GDS and TDS qualifying ratios used by Canadian lenders.

Income, debts, down payment, GDS/TDS ratiosOpen →

Planning tools

Retirement

How much do I need to retire?

Enter your desired retirement income and see if your current savings rate will get you there, with a year-by-year projection.

Savings, contributions, target income, chartOpen →

Income Tax

Canadian income tax estimator

Estimate your 2025 federal and Ontario/Alberta income tax, CPP, and EI — and see your net take-home pay.

Income, RRSP, province, full breakdownOpen →

Net Worth

Net worth calculator

Add up everything you own and everything you owe to see your complete financial picture in one place.

Assets, liabilities, equity ratioOpen →

Debt Payoff

Debt payoff calculator

Choose avalanche or snowball, add an extra monthly payment, and see exactly when you'll be debt-free.

Avalanche, snowball, payoff chartOpen →

Want a plan, not just a projection?

These calculators give you a starting point. Jatinder will build a personalised strategy around your actual numbers.

Book a Free Consultation

Or call 905-454-6452

All calculators are illustrative. Results are estimates only and do not constitute financial, tax, or legal advice. Consult a licensed advisor before making any financial decisions.