Run your own numbers.
Six calculators, built right here for Ontario and 2026 rules. No sign-up, and your numbers never leave your browser.
What will an RRSP contribution bring back?
Your RRSP contribution comes off your taxable income, so the refund depends on your tax bracket. This uses 2026 federal and Ontario rates.
- Counts the federal and Ontario brackets, the Ontario surtax and the basic personal amounts.
- Doesn’t count other credits and deductions, or tax already taken off your pay.
- Your contribution limit is on your CRA Notice of Assessment.
RRSP Refund Estimator
2026 · OntarioAbout 30¢ back on every dollar you put in.
An estimate using 2026 federal and Ontario tax rates and the basic personal amounts only.
Want me to check this against your real numbers? Book a Complimentary Clarity SessionHow much in grants could your child’s RESP collect?
The government adds 20% on the first $2,500 you put in each year: $500 a year, up to $7,200 per child.
- Missed years carry forward: catching up, the grant can be up to $1,000 a year.
- The grant stops at the end of the year the child turns 17, with extra conditions at 16 and 17.
- Doesn’t include investment growth, or the Canada Learning Bond for eligible families.
RESP Grant Calculator
2026 · federal grantPut in $2,500 a year to collect the full $500.
An estimate using 2026 federal grant rules. It assumes the same contribution every year until 17 and no grant received other than what you enter.
Want me to check this against your real numbers? Book a Complimentary Clarity SessionHow much coverage would your family need?
The DIME method: Debts, Income, Mortgage and Education, minus what’s already in place.
- Count coverage through work, but remember it usually ends when you leave the job.
- Use your own estimate for education; costs vary a lot by program and city.
- A starting point only: it ignores inflation, tax, and what the money would earn.
Life Insurance Needs
DIME methodRounded to the nearest $1,000.
A starting point, not a recommendation. The right amount depends on your family, your budget and your health.
Want me to check this against your real numbers? Book a Complimentary Clarity SessionWhat would a funeral, and the bills after it, cost?
Example Ontario ranges, plus whatever else would land on your family that week. Prices vary a lot by provider and the services chosen.
- Traditional funeral and burial: $9,000–$15,000 in Ontario, $14,500–$20,000 in the GTA.
- Simple cremation with no service: $1,500–$4,000.
- Add the last bills: a phone bill, a credit card, family flying in, the gathering afterwards.
Final Expense Estimator
Ontario · 2026Example ranges from Ontario funeral pricing guides, 2026, not a standard price. Prices vary greatly by provider, community and the services chosen; ask for itemized prices.
Want me to check this against your real numbers? Book a Complimentary Clarity SessionWhat could steady saving grow to?
Pick a monthly amount, a timeline and a hypothetical rate, and see how much is your money and how much is growth.
- Hypothetical only: real returns go up and down, and are never this smooth.
- Doesn’t include fees or tax, which reduce what you keep.
- The pattern is the point: time does more of the work than the rate.
Savings Growth Illustrator
HypotheticalFrom $150,000 of your own money.
Hypothetical illustration, not a guarantee or a projection of any investment. Assumes the same deposit at the end of every month and a steady rate, compounded monthly.
Want me to check this against your real numbers? Book a Complimentary Clarity SessionCPP at 60, 65 or 70: what changes?
Start early and your CPP is smaller for life. Wait, and it’s bigger for life. Here’s the trade-off with your own number.
- 0.6% less for each month you start before 65: 36% less at 60.
- 0.7% more for each month you wait after 65: 42% more at 70.
- Your estimate at 65 is in your My Service Canada Account.
CPP Timing Explainer
Educationala month, starting at 65.
Educational only. CPP rises with inflation each year, and tax and your other income matter too.
Want me to check this against your real numbers? Book a Complimentary Clarity SessionThe 2026 Canadian Money Numbers.
Every limit and rule used on this site, on one printable page: TFSA, RRSP, FHSA, RESP, CPP, OAS, Ontario’s probate tax and funeral costs.
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