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Free Financial Tools

Know your numbers.
Make better moves.

4 precision calculators built with real actuarial data, current 2025 tax rates, and compounding logic that shows you exactly where you stand โ€” and where you could be.

๐Ÿ–๏ธRetirement Savings
๐Ÿ›ก๏ธInsurance Needs
๐Ÿ“ˆCompound Investment
๐ŸงฎTax Savings

Retirement Savings Calculator

Find out if you're on track โ€” and what your portfolio will be worth when you want to retire. Updated for 2025 RRSP/TFSA limits and CPP projections.

Current Age35 years
Target Retirement Age65 years
Current SavingsRRSP + TFSA + Other
$
Monthly Contribution$1,200/mo
Expected Annual Return7%
Desired Retirement IncomeAnnual, today's dollars
$
Retirement Projection
Live
Projected Portfolio at Retirement
$0
Years to growโ€”
Total contributionsโ€”
Investment growthโ€”
Monthly income (30 yrs, 4%)โ€”
Income gap vs targetโ€”
Statusโ€”
๐Ÿ’ก WealthFusions Insight
Adjust sliders above to see your projection.

Insurance Needs Calculator

How much life insurance do you actually need? This DIME method calculator gives you a precise coverage number based on your real financial obligations.

Annual IncomeGross employment income
$
Income Replacement Years10 years
Outstanding Mortgage
$
Other Debt (loans, lines of credit)
$
Education Fund (per child)$60,000
Number of Children2
Existing Coverage
$
Coverage Analysis
Live
Recommended Coverage
$0
Income replacementโ€”
Mortgage payoffโ€”
Debt payoffโ€”
Education fundโ€”
Less: Existing coverageโ€”
Coverage gapโ€”
Est. monthly term premiumโ€”
๐Ÿ’ก WealthFusions Insight
Fill in your details to calculate your exact coverage need.

Compound Investment Calculator

See the real power of compounding โ€” and how fees silently destroy your wealth. Compare low-cost ETFs vs. high-fee mutual funds side by side.

Initial Investment
$
Monthly Contribution
$
Time Horizon25 years
Annual Return (before fees)8%
Low-Cost Portfolio MER0.20% (ETF)
High-Cost Portfolio MER1.80% (Mutual Fund)
Compound Growth Comparison
Live
Fee Drag Cost โ€” Your Hidden Loss
$0
ETF Portfolio
โ€”
Mutual Fund
โ€”
Total Invested
โ€”
ETF final valueโ€”
Mutual fund final valueโ€”
Total you investedโ€”
ETF return on investmentโ€”
๐Ÿ’ก WealthFusions Insight
Adjust sliders to see how fees silently destroy wealth over time.

Tax Savings Estimator

Discover how much tax you could be saving with RRSP contributions, TFSA optimization, and other legal strategies. Based on current 2025 marginal tax rates.

Province
Employment Income
$
RRSP Contribution Room Available
$
Planned RRSP Contribution$14,000
TFSA Contribution Room Used50%
Other Deductions (home office, etc.)
$
Tax Optimization Report
Live
Estimated Annual Tax Savings
$0
Current marginal rateโ€”
Tax without optimizationโ€”
Tax after RRSP contributionโ€”
RRSP tax refundโ€”
TFSA unused room (opportunity)โ€”
10-year compounding impactโ€”
๐Ÿ’ก WealthFusions Insight
Enter your income and province to see your personalized tax savings.
Why These Tools

Built on real data, not approximations

๐Ÿ–๏ธ Retirement Calculator

Uses compound interest formula with monthly compounding. Retirement income projection based on the 4% safe withdrawal rate. Status benchmarks align with FPSC planning standards.

๐Ÿ›ก๏ธ Insurance Calculator

Built on the DIME method (Debt, Income, Mortgage, Education) used by CFP professionals. Premium estimates based on 2025 term life underwriting averages for non-smokers in Canada.

๐Ÿ“ˆ Compound Calculator

MER drag calculated with annual fee deduction on total portfolio value. Real impact of 1% vs. 2% fees over 25+ years matches Vanguard and Morningstar published research.

๐Ÿงฎ Tax Savings Estimator

2025 federal + provincial marginal tax rates for all major provinces. RRSP savings calculated at your exact marginal rate. TFSA opportunity cost modeled at 7% growth for 10 years.

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