Financial Calculators

Calculating your future

Life is complex and it can be hard to know exactly where you stand financially at any given moment in your busy world. We’ve put together a handy group of financial calculators to help you determine your financial picture more clearly, so that you can plan your retirement with a better understanding of needs. When you’re ready to discuss your goals in more detail, please get in touch. At WealthSmart, we are focused on helping you achieve the dreams you’ve set for yourself.

Cash Flow

Understanding your cash flow is a major step in your forward progress.

Charitable Donation

See the powerful tax rewards of your generosity.

Cost of Waiting

Understand the heavy cost of waiting to invest and what you can do to take action.

CPP – Early or Later?

Helps to decide when to take Canada Pension Plan retirement benefits.

Donate Shares

Shows how to get a charitable tax credit and also avoid capital gains taxes.

Effect of Inflation

See how inflation will affect your income and reduce your purchasing power.

Final Tax Bite

Estimates your estate’s tax liability.

Investment Fees Value Thumbnail

Investment Fees & Returns

See how a difference in fees affects your long term wealth.

Life Insurance Needs

Protect your family’s financial security.

Loan Calculator

Calculate your payment and see how extra payments help you progress faster.

Net Worth

Establish a “snapshot” of what you own vs. what you owe.

Pay down debt or invest?

Does it make sense to pay down your debt?

Real Rate of Return

Discover how taxes and inflation affect your investments.

Retirement Calculator

Will your money last through retirement?

RRIF Payment

Figure out your RRIF payment and how long your RRIF will last.

RSP Tax Savings

Estimate the tax savings on your RRSP contribution

Savings Growth

The Savings Growth calculator lets you compare the growth of two investments.

Savings to reach a goal

How much you need to save to reach a goal.

Tale of two RRSPs

Shows all the many ways to improve the growth of your RRSP.

Tax Calculator

Estimate the taxes you are likely to owe based on your taxable income.

Taxes & Investment Income

See how various types of investment income are taxed at different rates.


This will help you decide which account(s) to invest in..

TFSA vs. Taxable

Still not clear about the benefits of a TFSA? This calculator will help.

Will the Money Last?

See how long your money will provide you with an annual income.