Project your net worth with advanced tax estimation (federal and provincial, dividends, capital gains, credits including Canada Workers Benefit and age amount) and plan around Canadian benefits—CPP, OAS, GIS, OAS clawback, Allowance—and model income such as Canada Child Benefit. Explore tradeoffs and plan for retirement and life goals.
Track income and expenses with categories built for Canadian finances.
We model federal and provincial/territorial taxes using progressive brackets, so your projections reflect real tax liability by jurisdiction. Different income types—employment, investment, pension, RRSP/TFSA withdrawals—are treated according to Canadian rules.
We include credits such as Canada Workers Benefit (CWB), provincial low-income credits, age amount (65+), and dividend tax credit; Ontario Health Premium and Quebec federal abatement are applied where applicable.
Tax-advantaged accounts are handled correctly: RRSP contributions reduce taxable income; TFSA growth and withdrawals are tax-free; and we apply deductions and credits where applicable. Income types include Canada Child Benefit (CCB) so families can model it in their plan.
Old Age Security (OAS) benefits are reduced when your taxable income exceeds a threshold. We apply the clawback so your retirement income projections stay accurate.
Clawback starts when taxable income exceeds the minimum threshold (e.g. $95,353 for 2026). OAS is fully clawed back at higher incomes (e.g. $151,668 for ages 65–74 and $157,490 for 75+ in 2026). The clawback rate is 15% of income above the minimum threshold.
Start your 7-day free trial. No charge until the trial ends; cancel anytime.