Tools
Free calculators for Canadians
The same rules lenders and planners use, in plain language. Everything is calculated in your browser, and nothing you type is saved or sent anywhere.
Example · maximum purchase price
$0
- Down payment
- Mortgage insurance (CMHC)
- Total mortgage
- Mortgage payment at
- Monthly housing cost (with tax, heat, fees)
Housing costs ÷ income (GDS)
All debts ÷ income (TDS)
Lenders cap these at 39% and 44%, measured at the stress-test rate. The marks show the limits on a scale to 50%.
Rules: OSFI stress test (greater of your rate + 2% or 5.25%), CMHC premiums, 5% / 10% / 20% minimum down payment tiers, $1.5M insured limit.
Estimates only. A lender's approval depends on your credit and full application.
Example · value after 25 years
$0
Estimated retirement income
$0 / month
- Same savings, never invested
- Extra income from investing
- Total income, invested
- Total income, never invested
- Total gained from investing
- Current balance
- Your contributions
- Growth
Portfolio valueBalance + contributions
Assumes a steady return, compounded monthly, with contributions at the end of each month. Today's dollars assume 2.1% inflation a year, per FP Canada's Projection Assumption Guidelines.
Illustration only. Real returns vary, and fees and taxes reduce growth.
Example answers · your score
0 / 100
- Points from your answers
- Your range
Answers with the most room to improve
Want to move your score? A GlidePath plan looks at the same things this measures: your cushion for surprises, your monthly breathing room and your path to the future you want. Book a free Fit Call.
Questions and scoring from the Financial Well-Being Scale, a research-validated measure developed by the Consumer Financial Protection Bureau.
Your answers stay in your browser.
Example answers · your risk score
0 / 100
Willingness How much risk you're comfortable with
Capacity How much risk your situation can absorb
An example mix
- Growth (stocks)
- Income (bonds)
- Cash
What one year could look like
A bad yearAbout 1 year in 20 is worse
A typical year
A good yearAbout 1 year in 20 is better
Middle outcomeHalf of outcomes8 in 10 outcomes
- If markets are weak (1 in 10 lower)
- Middle outcome
- If markets are strong (1 in 10 higher)
This is a starting point, not a recommendation. Your right mix also depends on your values, goals, taxes, other savings and the accounts you use. A GlidePath plan puts all of that together.
Return and inflation assumptions follow the FP Canada 2026 Projection Assumption Guidelines. Ranges come from 2,000 simulated markets. All figures are before fees and taxes.
Educational only, not investment advice. Your answers stay in your browser.
Next step
Want a second set of eyes on your numbers?
Calculators show what's possible. A plan shows what to do next, built around your values, your goals and your situation. It starts with a free, no-obligation Fit Call.