Real answers, no email required.

Best forAnyone deciding between TFSA, RRSP, or a mix

Tax planning

TFSA vs RRSP comparison

Head-to-head: which account wins for your situation? With the RRSP refund reinvested for an apples-to-apples answer.

Run time~2 min

Best forHomeowners considering leveraged investing

Strategy

Smith Maneuver calculator

Convert non-deductible mortgage interest into deductible investment-loan interest. Model your after-tax borrowing cost and net return at 6%, 8%, 10%, 12% portfolio returns.

Best forIncorporated owners deciding where to hold investments

Incorporation

Tax

Passive income: corporation vs personal

Should investments sit inside your company or in your own hands? Follow interest, eligible dividends, and capital gains through every layer of corporate tax — Part I/Part IV, RDTOH, the capital dividend account — and out to you as dividends, side by side with holding them personally.

Best forOwners weighing a Holdco, family trust or estate freeze

Structure

Corporate structure builder

Sketch holding companies, operating companies and family trusts on a drag-and-drop canvas — with ownership percentages and share classes — and see the tax reasons behind each common structure.

Best forBC incorporated owner-operators planning annual comp

Owner pay

Salary vs dividends calculator

For BC incorporated owners. Enter the net cash you need; see what 100% salary, 50/50, 100% dividend, and a custom mix actually cost your corporation and put in your pocket. CPP, RRSP room, and CCB impact built in.

Best forBC corporations comparing vehicle acquisition options

Vehicle decision

Vehicle cost: buy vs lease vs finance

Should the corporation buy, lease, or finance the next vehicle? See the after-tax cost of each option with CCA, the CRA lease deduction cap, BC PST/GST, and NPV all built in. Includes the implicit interest rate baked into the lease.

Best forBC owners deciding whose name goes on the title

Vehicle decision

Vehicle ownership: inside vs outside the business

Should the business own the vehicle, or should you own it personally and claim a per-km allowance? Two tabs for incorporated owners and sole props. ITC proration, CCA, standby benefit, and the breakeven business-use percentage all worked out.

Run time~4 min

Best forSole props earning $80K+ deciding whether to incorporate

Tax planning

Sole proprietor vs. incorporation

Run the after-tax math on incorporating your business in BC, side-by-side with staying a sole proprietor. See exactly when (and if) it pays off.

Best forOwners weighing where to put their next chunk of capital

Financial planning

Strategy

Capital allocation comparison

You have capital to deploy — where does it work hardest? Compare real estate, the S&P 500, and investing in your own business side by side, with editable returns and leverage for each.

Run time~4 min

Best forAnyone weighing an amortization, renewal, or HELOC decision

Mortgage

Mortgage rate comparison

Compare borrowing choices side by side — payments across amortizations, two rates at renewal, and HELOC vs mortgage cost. See where investing the cashflow difference from a longer amortization beats the extra interest.

Best forAnyone curious whether early financial independence is realistic for them

Financial planning

FIRE calculator (LEAN / FIRE / FAT)

A simple early-retirement calculator built on one idea: earn more than you spend and invest the gap early. Pick a lifestyle and see your number, your savings rate, and the age you could stop working.

Financial planning Detailed

BC financial independence calculator

How much you need, how long it'll take, and which small tweaks would change the answer. Designed for BC tax brackets and CPP/OAS.

Best forAnyone modelling early retirement or financial independence

Run time~10 min

Best forAnyone planning a home purchase or refinance

Mortgage

Mortgage qualification calculator

Find your maximum mortgage under Canadian stress-test rules. GDS/TDS ratios, monthly payment, full amortization schedule, and year-by-year principal-vs-interest chart.

Run time~4 min

Best forOwners setting or sanity-checking their prices

Pricing

Product pricing & unit economics

See what a price is really made of — COGS, gross profit, overhead, and profit — then cost real businesses (coffee, landscaping, HVAC, hotels and more) with live, editable numbers.

Run time~6 min

Best forAnyone wondering what a T1 return should cost

Pricing

Personal tax return pricing

An instant, transparent estimate for your T1 return — no hidden fees, no obligation. See what your situation actually costs to file.

Run time~2 min

Best forBC owner-operators considering their first or next hire

Hiring

True cost of hiring calculator

The salary is only half the story. Add CPP, EI, vacation, WorkSafeBC, EHT, benefits, tools, and software — before and after corporate tax — then see the revenue you need to generate to justify the hire.

Best forAnyone CRA has flagged for quarterly instalments

Compliance

Tax instalment schedule

A clean, printable quarterly instalment schedule so you never miss a CRA due date — or get hit with a surprise interest charge.

Run time~1 min