Calculators
8 tools for the decisions that actually cost money. Each one shows its workings and says what it assumes.
Nothing you type is sent anywhere. Every figure is calculated in your browser and remembered only on this device, so you can close the tab and come back to it.
Credit cards and loans
What a balance really costs, which debt to clear first, and whether the next dollar should go to the card or the market.
Mortgage
Payments under Canadian semi-annual compounding, renewal shock, and whether a property is worth buying, renting out or selling.
- Flip or hold?Runs one property both ways, after tax, then stresses it until it breaks. Canada and the United States.
- Rental deal analyzerDoes it cash flow, what is it really worth, and would the down payment grow faster invested?Lives in Market Intelligence
- Property calculatorOne rental property: cash flow, cap rate, break-even and stress testing.Lives in Market Intelligence
- Multifamily analyzerWhole-building underwriting: NOI, DSCR, a 10-year projection, refinance and IRR.Lives in Market Intelligence
Financial planning
Accounts, contributions and the long arithmetic of compounding.
- Compound growthProjects one or several investments, then adds tax, fees and inflation until the number is one you could actually spend.
- RRSP or TFSA?Which account gets your next dollar, weighing the tax rate gap against the eight things that often outrank it. Works out your room in both.
- Financial compatibility calculatorWhich account structure fits a couple, joint, separate or a mix, and what each arrangement gives up.Lives in Guides