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Free interactive tools

Financial illustration tools.
Real numbers.

Interactive tools to help you explore financial strategies with your own numbers. Use them on your own, or bring your results to our first conversation — I'll show you what I'd do differently and why.

7 tools liveFor illustration only · Not advice
Working through the numbersReal numbers
01

Second property vs. PAR life insurance

Compare the long-term financial outcome of buying a second property versus funding a permanent life insurance policy with the same capital — tax impact, estate value, and retirement income.

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02

IPP vs. RRSP

For an incorporated professional, an Individual Pension Plan can shelter far more than an RRSP. Compare first-year deduction, wealth at retirement, retirement income, and net to estate.

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03

Salary vs. dividends optimizer

Compare paying yourself in salary, in dividends, or the tax-minimizing blend — each solved to the same after-tax cash. See total tax, RRSP room, and CPP cost, on 2025 rates.

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04

Passive income & SBD impact

See how passive investment income inside your CCPC grinds down your small-business deduction, what the extra corporate tax costs, and how corporate-owned insurance restores the limit.

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05

Sustainable retirement draw

Find the maximum inflation-indexed amount you can withdraw each year without running out before a target age — pre- and after-tax, account-type aware, with a depletion verdict.

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06

Investment growth calculator

See what a lump sum and recurring contributions grow to over time — and the real after-tax value across TFSA, RRSP, non-registered, and corporate accounts side by side.

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07

Buy vs. rent comparison

Compare buying a home against renting and investing the difference — with Ontario land transfer tax, CMHC insurance, and the year-by-year net equity vs. invested portfolio.

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Want me to run your numbers?

The tools are a starting point. The real work happens in a 30-minute call.

Run a tool, then bring me the result. I'll walk you through what I'd do differently, why, and what it would mean for your specific corporation.

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