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Planning Tools

RRSP Withholding Taxes Calculator

Thinking about making a withdrawal from your RRSP? Use our RRSP Withholding Taxes calculator to find out how much tax you’ll owe, including how much your financial institution will withhold based on where you live, your taxable income, and the amount withdrawn.

Retirement Calculator

Are you on track for retirement? Gauge yourself with our free and simple retirement calculator to see if you’re headed in the right direction. It can help you consider retirement lifestyle goals and make adjustments now to help you get where you want to go, on time.

Disability Insurance Needs Calculator

If you have group disability coverage, is it enough, and will it pay for long enough? Or, what if you don’t have any at all? The best first step is knowing how much you need. Try this easy-to-use calculator to quickly find out, and let’s talk.

Critical Illness Insurance Needs Calculator

You have options that may cover expenses not insured under your provincial healthcare and group or personal disability policies. Try this calculator and let’s talk.

Final Tax Bite

Use this calculator to estimate how much tax is owing on your estate and contact us to see how we can help you preserve and transfer it to your heirs intact.

Optimizing Your RRSP

See how short and long-term RRSP savings can be significantly enhanced by reinvesting tax savings.

The Value of Taking Risks

When interest rates and inflation are high, consider the value of taking risks to increase your purchasing power.

GIC Laddering

You can benefit from attractive GIC rates without locking in your entire investment for a long duration. Learn how.

Charitable Donations Calculator

Use this calculator to estimate the after-tax cost of charitable donations during your lifetime or upon your death.

Tale of Two RRSPs

Looking for an RRSP strategy? Try this calculator to compare and contrast contribution amounts, frequencies, and timing to find the best strategy for meeting your goals

Net Worth Calculator

Keeping tabs on your net worth lets you evaluate your financial health and set goals to thrive and prosper. Do you know your net worth? Try the Net Worth Calculator.

Cash Flow Calculator

Building a comprehensive household budget and need a little help? Try the Cash Flow Calculator.

Savings Growth Calculator

Do you know the long-term impact of increasing your regular saving by a few extra dollars? Calculate it!

Strengthening Your Safety Net with Critical Illness Insurance

We tend to carry an insurance safety net to break our fall so we can continue to meet financial obligations in case of unforeseen life events. Does your safety net have any weak spots? Use this tool to find out and learn more about the benefits of critical illness insurance.

Insuring Your Greatest Asset with Disability Insurance

We often consider our homes or vehicles as our greatest asset – but are they? Try the Insuring Your Greatest Asset tool to find out why your earning power is truly your greatest asset and how to protect it.

Savings to Reach a Goal Calculator

If you have financial goals in mind, try this Savings to Reach a Goal Calculator – it will help you recognize challenges and opportunities in order to reach those financial goals sooner. Try it today!

Debt Consolidation Calculator

The fact is, there’s no easy way to eliminate debt. However, consolidating existing debt can streamline your monthly budget and make your journey to financial freedom more manageable. Check out the Debt Consolidation Calculator today!

Exploring Your Life Insurance Options

You already know that life insurance provides you with a lump sum benefit payable to your beneficiary, but there are so many more benefits of life insurance, including favourable tax treatment. Check out this fantastic tool for your 101 on life insurance options!

The Loan Calculator

When it comes to debt reduction, every little bit counts. Use this Loan Calculator to see the impact that loan rates, payment frequencies and extra payments have on your debt reduction strategy.

The Ultimate Planning Tool: For prioritizing what you want when you want

Permanent life insurance – it’s a great planning tool that facilitates beneficial tax and estate planning opportunities and provides you with solutions throughout your lifetime. Use The Ultimate Planning Tool to see how permanent insurance can make a difference in your life!

The Mortgage Calculator

When making decisions about home ownership, knowledge is power. Use this Mortgage Calculator to estimate mortgage amounts and payments using different rates, amortization periods and payment frequencies.

Capital Required for Income

The age-old question when planning for retirement is ‘how much do I need to save’. This calculator gives you a simple idea of how much capital you’ll need for retirement.

CPP or QPP Benefits - Early or Later

Have you ever wondered what the net impact would be on your CPP Benefits depending on when you chose to start withdrawing? Try out this simple calculator to compare the impact on your pension.

Will the Money Last?

How long will your savings last when you start using it as income? Calculate it!

RRSP Tax Savings

Use this calculator to estimate the tax savings on your RRSP contribution.

Start Education Planning Now

Use this calculator to see the cost of waiting to invest in an RESP.

Tax Calculator

Use this calculator to estimate the taxes you owe based on your taxable income.

Insure Your Earning Power

Use this calculator to estimate the value of your earning power and then consider if this asset is adequately covered by disability insurance.

Life Insurance Calculator

You've decided that you need life insurance, and that's a great start! But how much life insurance is enough?

The Story Of Insurance

What is life insurance and how do I know if I should have it? Learn all about it in this simple story.

Planning Tools | Spectrum Financial Services Inc.

Passive Investment Income Calculator

See how Passive Investment Rules introduced in the 2018 Federal Budget impact corporate tax on active investment income.

This site is for general information purposes only. The information contained in this site must not be taken or relied upon by the reader as legal, accounting, taxation, financial or actuarial advice. For these matters, readers should seek independent professional advice. Please refer to insurance company illustrations, policy contracts and information folders regarding any insurance and/or segregated fund matters referred to in this site.

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