Free Tool — Canadian HELOC Strategy

HELOC Wealth Builder Calculator

Model the Smith Manoeuvre: see your real after-tax wealth gain after capital gains tax, dividend tax, and CRA deductions — year by year.

Your Property & Mortgage

Current property value Market or appraisal

Mortgage balance Current amount owing

Mortgage rate Annual %

Amortization remaining Years left

yrs

HELOC & Investment

HELOC interest rate Typically Prime + 0.5%

ETF annual return Historical avg. 6–8%

Dividend yield XDIV/CDZ avg. ~4%

Property appreciation Annual %

Income & Tax (CRA)

Annual household income

Province

Capital gains inclusion rate

Projection horizon Years

Educational purposes only. Not financial advice. Consult a CPA and CFP before investing.

Enter your details and click
Calculate My HELOC Wealth
to see your full projection.