Basic InvestorStock & ETF Evaluation Lab
Head-to-head stock comparison (RY vs. TD, MSFT vs. GOOGL, NVDA vs. AMD), Reverse DCF implied growth solver, 100-point quality moat grader, and ETF TCO battlecard (MER + FWT).
Compare Stocks & ETFs →Interactive action engine
Test assumptions. Stress-test decisions.
Move beyond static articles. Explore market crash simulations, currency conversion calculators, and dual-jurisdiction tax optimization engines (Canada 🇨🇦 & USA 🇺🇸).
Interactive Decision Engines
High-Impact Financial Calculators
Free interactive tools designed to eliminate hidden fees, maximize tax efficiency, and execute institutional investing strategies.
10-Minute Financial Health Diagnostic
Take the guided 4-step financial sprint. Uncover silent mutual fund fee leakage, stress-test downside crisis resilience, and audit tax shelters.
Start 10-Min Diagnostic →Personal Investing Report
Export your formal 6-page personal financial charter. Formally codifies your balance sheet, ETF allocation, fee audit, tax waterfall, and signed IPS.
Open 6-Page Dossier →TFSA vs. RRSP vs. FHSA Priority Optimizer
Sequence your annual contributions across employer match, FHSA homebuyer room, RRSP tax arbitrage, and TFSA lifetime tax shelters.
Optimize Contributions →Multi-Account Asset Location Optimizer
Mathematically optimize ETF placement across TFSA, RRSP, FHSA, and taxable accounts to eliminate Foreign Withholding Tax (FWT) and shelter fixed income drag.
Optimize Asset Location →Norbert's Gambit FX Calculator
Calculate exact net dollar savings on CAD to USD currency conversions vs 2% bank spreads with custom brokerage journaling instructions.
Launch Calculator →Bank Fee Drag & Breakup Auditor
Calculate the 25-year compound wealth surrendered to 2.2% bank mutual fund management fees and generate a formal transfer breakup letter.
Audit Bank Fees →Backdoor Roth & Pro-Rata Calculator
Calculate conversion taxes under the IRS Pro-Rata Rule, preview Form 8606 lines, and model the 401(k) reverse rollover workaround.
Calculate Taxes →ETF X-Ray & Holdings Overlap Analyzer
Deconstruct Canadian and U.S. index ETFs down to underlying stocks, detect pairwise duplication with an interactive Venn diagram, and audit single-stock concentration.
Run ETF X-Ray →Investment Policy Statement (IPS) Generator
Draft an Professional-quality, PDF-exportable personal wealth charter. Define target asset weights, tax shelter hierarchy, and anti-panic circuit-breaker rules.
Generate My IPS Charter →Personal Financial Health Scorecard
Score your personal balance sheet out of 100 with our interactive radar compass across emergency buffers, debt friction, fee drag, and tax shelters.
Calculate My Score →Portfolio Rebalancer
Calculate exact ETF buy orders using fresh deposit cash to restore your target asset mix with zero taxable sales.
Open Rebalancer →Dividend Snowball Forecaster
Forecast compound DRIP reinvestment growth, monthly passive income milestones, and calculate your Snowball Inflection Day.
Open Forecaster →Rent vs. Buy Reality Checker
Factor in unrecoverable costs (property tax, maintenance, mortgage interest) vs. investing the down payment in index ETFs.
Compare Housing →Online Brokerage Comparison Engine
Compare commission fees, FX spreads, account support (TFSA, RRSP, FHSA, Roth IRA), and trading tools across major platforms.
Compare Brokerages →FIRE Independence Calculator
Calculate your exact Financial Independence Number based on annual expenses, safe withdrawal rates, and investment growth horizons.
Calculate FIRE Target →Market Crash Scenario Lab
Stress-test portfolio drawdowns across the 2008 GFC, 2020 COVID shock, and 1970s stagflation to discover recovery timelines.
Launch Crisis Lab →TFSA Contribution Room Tracker
Track lifetime TFSA contribution room by birth year and arrival in Canada. Avoid the 1% per month CRA over-contribution penalty.
Track TFSA Limits →Tax Command Center
Optimize asset location between registered and non-registered accounts, manage dividend tax credits, and minimize annual tax drag.
Open Tax Center →OAS Pension Clawback Forecaster
Calculate your Old Age Security pension recovery tax threshold and protect your benefits using tax-sheltered income strategies.
Model OAS Clawback →Retirement Cash-Flow Timeline
Sequence withdrawals across CPP, OAS, RRIFs, and TFSAs to minimize lifetime taxes and avoid high marginal tax brackets.
Plan Retirement Timeline →Tax-Loss Harvesting Simulator
Model tax-loss swaps without triggering CRA superficial loss or IRS wash-sale rules using correlated index ETF pairs.
Simulate Tax Loss →Safe Withdrawal Rate (SWR) Engine
Evaluate the 4% rule vs. dynamic variable withdrawal strategies across 30 to 45 year retirement spending horizons.
Calculate Safe Rate →Target Asset Allocation Builder
Design an optimal risk-adjusted portfolio mix across domestic, U.S., international equities, and aggregate fixed income.
Build Target Mix →Contribution Room Planner
Plan your monthly dollar allocations across TFSA, RRSP, FHSA, and 401(k) accounts to maximize employer matching and deductions.
Plan Contributions →Portfolio Drift Monitor
Track asset allocation drift away from your target policy benchmarks and trigger rebalance alerts using the 5/25 rule.
Monitor Drift →Estate Tax & Probate Simulator
Estimate terminal estate tax liabilities, deemed disposition of capital property, and provincial probate fees upon death.
Simulate Estate Tax →Long-Term Scenario Planner
Project 30-year net worth trajectories under varying inflation rates, market returns, savings rates, and economic cycles.
Explore Scenarios →Investor Action Plan Generator
Synthesize your goals, accounts, and risk profile into a clear, prioritized checklist of next financial actions.
Generate Action Plan →AI Portfolio Governance Audit
Run an unbiased algorithmic check on your asset mix, checking for uncompensated risk, single-stock bias, and fee drag.
Audit My Portfolio →Account Priority Tree
Where should your next dollar go?
Select your jurisdiction and income profile to explore optimized tax-advantaged account sequencing.
Account Sequencing Optimizer
🇨🇦 Canada & 🇺🇸 USA SupportedStress Test Sandbox
Simulate market shocks before they happen
See how different stock/bond asset allocations recover from historical downturns.
Historical Market Crash Simulator
Interactive Portfolio Stress TestGrowth explorer
Time, contributions and hypothetical return
Use a constant annual return assumption to see how compounding behaves. Actual returns vary and can be negative.
Hypothetical ending value
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Total contributions: $0
Illustrated growth: $0
Assumes monthly compounding and end-of-month contributions. Excludes fees, tax, inflation and fluctuating returns.
Fee impact
Compare two annual cost assumptions
The same gross return can lead to different outcomes when annual costs differ.
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Scenario B: $0
Illustrated difference
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Simplified illustration using constant annual net returns. It is not a product comparison or prediction.