Tools
Run the numbers yourself
These run on the numbers you type, not on a case study we picked. Working through one usually tells you which question to ask next, which is worth more than a polished proposal.
RRSP / RRIF Meltdown — three approaches compared
Your RRSP or RRIF is large and nobody has told you what happens to it at the end. How much of it goes to the CRA instead of your family, and does drawing it down on purpose — with or without an investment loan — actually leave more behind? Five provinces, and it counts the OAS clawback that a big forced withdrawal triggers.
Open calculatorRRSP Meltdown (Investment Loan)
You have a large RRSP and you know the tax comes due eventually. What happens if you draw it down deliberately alongside an investment loan, instead of leaving it to compound into a bigger bill?
Open calculatorRRIF Minimum Withdrawal Calculator
Once an RRSP becomes a RRIF the withdrawals stop being optional. How much are you forced to take out each year, what does it do to your tax bill as the percentage climbs with age, and at what age does it start clawing back your OAS?
Open calculatorRRSP Saving vs Investment Loan
If you simply maxed your RRSP instead of borrowing to invest, where would you actually end up after tax? The out-of-pocket cost is held constant across both, because a comparison that lets one side spend more is not a comparison.
Open calculatorCorporate Meltdown (Investment Loan)
Coming soon. The corporate version of the same question: retained earnings inside a holding company face tax on the way out, and the order you take salary, dividends and capital dividends in changes what is left. It needs its own inputs, so it gets its own tool rather than a switch on the personal one.
Open calculatorFinancial Freedom Calculator
How much of your living costs are already covered by income you do not have to work for — and what size of asset base would close the gap?
Open calculatorThese tools illustrate mechanics using the assumptions you enter. They are not projections of what any real account will do and they are not financial advice. Actual outcomes depend on your circumstances, your tax position, and the market and interest-rate environment at the time.