Ten Percent Club License ID: 25242870
Free Financial Tools

Know Your Numbers Before We Talk

Type in your own numbers and get instant results — then book a free call to build your personalized plan.

✓ Type your own numbers ✓ 100% free ✓ Canadian tax rates ✓ Instant results

💰 Tax Savings Calculator

Type your income and contribution amounts to see your exact CRA refund through RRSP, TFSA, FHSA, RESP, and Spousal RRSP — Ontario rates.

1 Your Annual Income
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Tax Bracket: — —
2 Annual Contribution Limits
RRSP $0
TFSA $7,000
FHSA $8,000
RESP $2,500
3 Select Your Contributions
Select to calculate refund
$
Select to add
$
Select to calculate refund
$
Select to calculate grant
$
Select to calculate refund
$
Your Tax Savings Summary
Total Refunds & Grants
$0
Based on your Ontario income & contributions
Annual Salary $0
Tax Bracket —
Total Contributions $0
Net Out-of-Pocket Cost $0
Let's Maximize Your Tax Savings →

Ontario 2024 marginal tax rates. Estimates only — actual savings depend on your contribution room, filing status, and other deductions.

🛡️ Life Insurance Calculator

Enter your numbers to estimate how much life insurance your family needs — using the income replacement method.

1Income Replacement
Your current yearly employment income. This is the base for calculating how much your family would need to maintain their lifestyle. Include salary, self-employment, and any regular earnings.
$
How long your family would need financial support — typically until your youngest child is independent (age 18–25) or until your planned retirement. A common choice is 20–25 years.
yrs
2Outstanding Debts
The remaining amount owed on your home. Including this ensures your family can keep the house without financial hardship. Check your latest mortgage statement for the exact balance.
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Total of car loans, credit card balances, lines of credit, and student loans. These debts don't disappear when you do — your estate would need to settle them.
$
3Children & Final Expenses
Each child adds approximately $60,000 in post-secondary education costs (4-year university estimate). Enter the number of dependent children you want to fund for education.
kids
Average Canadian funeral and burial costs range from $8,000–$20,000. Add probate and estate settlement fees. Most advisors recommend budgeting $15,000–$25,000 for this.
$
4Existing Coverage & Savings
Include group life insurance from your employer (usually 1–2× your annual salary — check your benefits booklet) plus any individual policies you currently hold. This reduces the new coverage needed.
$
Easily accessible savings your family could use — TFSA balance and high-interest savings accounts. RRSP is excluded here because early withdrawal carries large tax penalties.
$
Life Insurance Needs Summary
Recommended Coverage
$2,060,000
Additional insurance needed for your family
Currently covered 0% covered
What makes up your total need
Income Replacement$1,600,000
Mortgage$400,000
Other Debts$20,000
Education Fund$50,000
Final Expenses$15,000
Total Needs$2,085,000
Less: Existing Coverage– $0
Less: Liquid Savings– $25,000
Get My Personalized Insurance Review →

Uses the income replacement method. Actual needs depend on your group benefits, spouse's income, and investment growth assumptions.

💼 Disability Insurance Calculator

Your ability to earn is your most valuable asset. Enter your numbers to see how protected you are if illness or injury took you off work today.

1Your Monthly Finances
Your total monthly income before taxes and deductions. Disability insurance typically replaces 60–70% of this amount if illness or injury prevents you from working.
$
The minimum you need each month to cover rent/mortgage, food, utilities, transportation, medications, and insurance premiums. This is your financial floor during a disability.
$
2Existing Coverage & Emergency Fund
Many employers provide group LTD (Long-Term Disability) coverage paying 60–66% of your salary. Check your benefits booklet. If you're self-employed or have no group plan, leave this at $0.
$
How many months of expenses you have saved in accessible cash. A 3–6 month fund bridges the standard 90–120 day waiting period before disability benefits begin paying out.
mo
Disability Coverage Analysis
0%
protected
Monthly Gross Income$6,000
70% Benchmark Benefit$4,200
Your Existing Coverage$0
Monthly Coverage Gap$4,200
Essential Expenses$3,500
Monthly Shortfall if Disabled$3,500
Emergency Fund Covers3 months
Significant gap. Without additional coverage, a disability could leave you unable to cover essential expenses after just a few months.
Review My Disability Protection →

The 70% income replacement standard is used by most Canadian insurers. Actual premiums vary by provider and occupation class.

💳 Canadian Credit Card Finder

Find the best Canadian credit card for every spending category — researched and ranked by rewards, fees, and real-world value.

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Independent Research — No Affiliations, No Promotions These recommendations are based solely on my own research and analysis of publicly available information. I am not affiliated with, sponsored by, or compensated by any bank or card issuer. No card is promoted for financial gain — my only goal is to help you find the best fit for your spending habits.
⚠️ Card details are accurate as of early 2025. Annual fees, rates, and welcome bonuses change frequently — always verify directly with the issuer before applying. This is general information only and not personalized financial advice.
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Rewards Calculator

See how much you'd earn with any card

Annual Spending by Category
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🍽️
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⛽
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✈️
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🛍️
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🎬
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Select a card and enter your annual spending to see your estimated rewards
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What's Covered in Your Free FNA

During our free 30-minute session, we'll sit together and map out your complete financial picture across eight key areas:

  • Tax Planning — RRSP, TFSA, FHSA strategies to minimize what you owe
  • Income Protection — Life, disability & critical illness coverage gaps
  • Wealth Creation — Investment strategy aligned to your goals
  • Children's Education — RESP contributions and maximizing CESG grants
  • Retirement Planning — CPP/OAS optimization & savings milestones
  • Debt Management — Pay off debt efficiently while building wealth
  • Emergency Fund — Build the safety net your family needs
  • Estate Planning — Ensure wealth transfers smoothly to beneficiaries
✓ No ObligationFree session, zero pressure
✓ ConfidentialYour info stays private
✓ PersonalizedTailored to your family
✓ ActionableLeave with clear next steps
Book My Free FNA Consultation

Ready to Turn These Numbers Into a Plan?

The calculators give you the picture — I'll help you act on it. Book a free 30-minute call and let's build your personalized financial roadmap.

⏱️ 30 minutes 💬 Video or Phone 🆓 Completely Free