Real answers, no email required.
Built for the questions BC business owners ask us most often. Each tool runs right in your browser — your numbers stay on your device.
BC income tax calculator (2026)
Estimate your 2026 federal and BC tax, CPP/EI, and after-tax income from employment, self-employment, capital gains and dividends — with your average and marginal rates.
Open the toolFIRE 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.
Open the toolCorporate 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.
Open the toolProduct 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.
Open the toolSalary 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.
Open the toolVehicle 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.
Open the toolVehicle 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.
Open the toolSole 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.
Open the toolTFSA vs RRSP comparison
Head-to-head: which account wins for your situation? With the RRSP refund reinvested for an apples-to-apples answer.
Open the toolBC 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.
Open the toolSmith 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.
Open the toolMortgage 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.
Open the toolTax instalment schedule
A clean, printable quarterly instalment schedule so you never miss a CRA due date — or get hit with a surprise interest charge.
Open the toolPersonal tax return pricing
An instant, transparent estimate for your T1 return — no hidden fees, no obligation. See what your situation actually costs to file.
Open the toolTrue 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.
Open the toolMore tools coming soon
We add new calculators as common questions come up. Have a request?
Tell us what to build →
Calculators are a starting point. Strategy is a conversation.
These tools give you the math. If you'd like to talk through what the numbers mean for your specific situation — incorporation timing, instalment strategy, retirement gaps — that's what the 30-minute chat is for.