Financial Tools

Canadian Financial Planning Tools

Explore simple financial planning tools designed to help Canadians better understand savings, debt, protection and retirement planning. These tools are for educational purposes and are not a substitute for personalized financial advice.

Keep

Protect what you already have.

Emergency Fund Calculator

See how large a cash cushion could cover 3-6 months of essential expenses.

Use Calculator

Debt Payoff Calculator

Compare an avalanche payoff order across up to three debts and estimate the timeline.

Use Calculator

Life Insurance Needs Calculator

Get an illustrative starting point for how much income-replacement coverage a family might need.

Use Calculator

Grow

Build what comes next.

TFSA Calculator

Estimate how a TFSA could grow with regular contributions over time.

Use Calculator

RRSP Calculator

Estimate long-term RRSP growth and see how tax-deferred saving works.

Use Calculator

Retirement Calculator

Get an illustrative read on whether current retirement saving is on track.

Use Calculator

Mortgage vs. Investing Calculator

Compare putting extra cash toward your mortgage versus investing it, side by side.

Use Calculator

Financial Health Checkup

Want the full picture instead of one number?

Take the free 5-minute Financial Health Checkup to see how your earning, keeping, and growing all fit together.

These calculators are provided for educational and illustrative purposes only. They are based on assumptions entered by the user and should not be considered financial, investment, tax, legal or insurance advice. Actual results may vary. Speak with a qualified professional regarding your individual circumstances.