Overview

Canadian financial planning calculators

Plan across every horizon

Model a mortgage, leverage your home equity, project long-term growth, pick the right registered account and plan the order you draw down in retirement.

Mortgage

Enter your own loan terms and see the payment, balance at renewal, and home equity.

Smith Manoeuvre

Convert non-deductible mortgage debt into tax-deductible investment debt with a readvanceable HELOC.

Investment Growth

Project how contributions and compounding grow your portfolio over time.

Account Comparison

Compare the after-tax benefit of contributing to an FHSA, TFSA, RRSP or non-registered account.

Coming soon

Retirement

Plan drawdown order across RRSP/RRIF, TFSA and non-registered accounts alongside CPP and OAS.

Accounts Horizon understands

FHSA

$8,000/yr, $40,000 lifetime. Deductible in, tax-free out for a first home.

TFSA

After-tax in, tax-free growth and withdrawals. Room restored next year.

RRSP

18% of earned income. Deductible in, taxed as income on withdrawal.

Non-registered

No limits. Interest deductible when borrowing to invest; 50% capital gains inclusion.