Tools
Calculators.
Each runs entirely in your browser on numbers you type in. Nothing is saved, nothing is sent anywhere, and none of them need an account.
Dividend tax calculator
What a dividend actually costs in tax at your income and province, after the gross-up and the dividend tax credit — and what the same money would cost as interest or a capital gain.
Account placement
The same holding in a TFSA, an RRSP and a non-registered account, side by side. Shows what the Canada-US treaty exemption is worth and where the dividend tax credit is forgone.
Foreign withholding
What another country takes from a dividend before it reaches you, and whether the account you hold it in lets you claim any of it back. The answer is usually no.
OAS clawback
How much Old Age Security is recovered at your income — and how much of that recovery exists only because eligible dividends are grossed up 38% before they are counted.
RRIF minimum withdrawal
The prescribed percentage that must come out of a RRIF each year, with the twenty-year curve. It rises from 5.28% at 71 to 20% at 95, whether you need the money or not.
Monthly income
What a portfolio pays month by month rather than as an annual average. Quarterly payers do not share a cycle, so a year can carry three fat months and nine thin ones.
The formula
A headline yield taken apart until what is left is what reaches you. The fee is already inside it, the foreign tax never arrived, and the part that looks tax-free is deferred rather than forgiven.
Compounding calculator
What a position becomes with distributions reinvested, against taking them as cash. Yield and price change are separate inputs, because a yield paid out of a falling NAV is not a return.
Loan spread calculator
Borrow at one rate, collect a distribution at another. Works out what is left after tax, including whether the interest is deductible at all — which the account decides.
TFSA contribution room
Every annual limit since 2009 and what you have actually accrued. Room starts the year you turn 18 whether or not you opened an account, and a withdrawal does not come back until January.
Cost base calculator
What return of capital has done to your adjusted cost base. Every dollar of RoC lowers it, which raises the capital gain waiting at the other end.