Retire smarter. Bank, invest and borrow smarter too.

Full Monte Carlo retirement simulation with Canadian tax modeling — TFSA / RRSP / RRIF / OAS clawback, stress tests, and AI analysis.

Compare taking CPP at 60, 65, or 70 — breakeven age, lifetime totals, and how delaying boosts your monthly cheque.

Your FIRE number, the year you reach it at your current pace, and your Coast FIRE number — in today’s dollars, with honest real-return defaults.

How much house you can actually afford — CMHC’s 39/44 debt-service limits at the stress-test rate, with down-payment tiers, the insurance premium, and the $1.5M insured cap enforced.

The honest version of the argument — month-by-month net worth on both paths, unrecoverable costs on each side, and the appreciation rate your market needs for buying to win.

The fastest 2026 Canadian income tax calculator — federal + provincial brackets verified at the source for all 13 jurisdictions, with the BC hike and Alberta’s new 8% bracket built in.

The most-argued question in Canadian money, settled honestly — a guaranteed return at your mortgage rate vs an expected return that isn’t, with the account-type breakeven that decides it.

See how much a fund’s MER quietly costs you over decades — and what a 1% lower fee adds back to your retirement.

Project annual dividend income and after-tax yield, including the Canadian eligible dividend tax credit by province.

Build a 1–5 year GIC ladder, see blended yield and maturity schedule, and compare reinvesting versus cashing out.

Estimate the tax on a capital gain by province, using the 50% inclusion rate and your marginal bracket.

Enter balances by institution and account type — see exactly what’s insured vs exposed across all 9 CDIC categories, with trade-name groupings and provincial guarantees built in.

How much life insurance do you need? The DIME method — income replacement, mortgage, debts and education, minus what you already have.

List your cards and loans, then drop in one consolidation-loan rate — see the real monthly savings, lifetime interest saved, and how many months sooner you’d be debt-free.

Estimate the probate fee on an estate in any province — from $0 in Manitoba to over $16,000 in Nova Scotia on a $1M estate. Sourced 2026 schedules.