Every dated figure this tool uses — contribution limits, tax brackets, probate fees, corporate rates — plus the internal modeling assumptions that aren't government-sourced, with where each comes from and when it was last checked. Full detail (including per-province and per-age tables) lives in constants-2026.js in the source code.
See what a big decision actually does to your money.
Buying a home, having a kid, changing careers — Compoundfork runs each one against your real numbers and shows exactly what it costs or gains you, instead of a generic hypothetical. A few quick questions — including your real income — get a real chart on screen fast; fine-tune everything after to match your actual life.
Roughly how old are you?
What's your real take-home pay?
The actual number, not a guess — this is what builds your first real chart.
Build your financial picture, not a template of one.
This is the foundation everything else uses — once it's filled in, you can model real decisions (a home, a kid, a career move) against these actual numbers instead of a generic guess. Add your own assets, debts, income, and expenses. Built for how Canadians actually save — TFSA, FHSA, RRSP, and the Home Buyers' Plan. Link a liability to the asset it belongs to (a mortgage to a house, a loan to a car) to see real equity, not two disconnected piles of numbers.
This is a joint household — tag who owns what
Sync across devices —
Signed in as — synced across devices
Total assets
$0
Total liabilities
$0
Net worth
$0
Disposable income / mo
$0
Why this exists
Most people decide whether to buy a house, have a kid, or take a pay cut on gut feel — not because the math doesn't matter, but because doing it by hand is tedious and easy to get wrong. This exists so you can actually see what a decision does to your real numbers before you make it, not months after. One honest note up front: this is an illustrative modelling tool, not personalized financial advice — see the footer for the full disclosure.
Net worth and disposable income stay visible above, no matter which tab you're on.
Fill in Your Numbers first — everything else reads from it.
Set a real target in Goals, then see how a choice affects it in Decisions & Future.
Everything saves automatically in this browser — sign in above to sync across devices too.
Where things stand
Net worth and disposable income are always visible above. This is the one thing worth reading first today.
What the numbers show
Plain observations from the numbers you've entered — not advice, just what's actually there.
Assets
$0
Cash, savings, registered accounts, investments, property, vehicles. Categories tagged home-eligible can typically be tapped for a first-home down payment (FHSA and TFSA fully, RRSP via the Home Buyers' Plan) — that logic isn't wired up yet, this just flags which of your assets qualify for later.
NameCategoryValueGrowth %/yr
Liabilities
$0
Mortgage, student loans, credit cards, auto loans, HELOC — anything you owe. Link one to the asset it corresponds to (a mortgage to your house, a loan to your car) to see real equity per item below.
NameCategoryLinked assetBalanceInterest %
The projection below models each liability's own interest and payoff directly from its rate and minimum payment — a "Mortgage Payments," "Debt Payments," or "Car Loans / Leases" expense entry describes that same cost, so those three categories are excluded from the projection to avoid double-counting.
Income
$0 / mo
Salary, freelance, side income — enter what actually hits your account (net, after tax), at whatever cadence you're paid. No tax-rate guessing.
SourceFrequencyNet amount
Expenses
$0 / mo
Pre-filled with a standard monthly-expense breakdown so you have something to edit instead of a blank page — delete rows that don't apply, add ones that do.
NameCategoryAmount / mo
Automatic insights
What "disposable income" means here: your total net income (what actually lands in your account), minus every monthly expense listed below. It's what's actually left over.
Liquid vs. fixed vs. restricted
Not all net worth is equally usable. Liquid means sellable in days without penalty (cash, TFSA, brokerage). Restricted means it's yours but locked or capped by rules (RRSP, FHSA). Fixed means it's real but slow to convert to cash (a house, a car).
What each account becomes
The main projection shows one net worth number. This breaks it apart — what's your TFSA likely to be worth, your RRSP, your cash, separately, using each account's own growth rate.
Where your money actually goes
Every income source on the left, every place it ends up on the right — including what's left over as savings. The width of each band is proportional to the actual dollar amount.
Go deeper — optional
What's your real tax rate?
Get a more accurate number using your real bracket, not a flat guess →
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If you sold — real estate tax treatment
See the actual gain and which rules apply to a principal residence vs. a rental →
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Rental income & mortgage paydown, by property
See rental cash flow and how much of each payment goes to interest vs. principal →
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Education savings (RESP)
CESG government grant estimate and lifetime contribution room →
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Debt payoff strategy
Snowball vs. avalanche — see which order actually saves more on your real debts →
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Savings & contribution strategy
Recurring contributions, employer matches, and exactly how much TFSA/FHSA/RRSP room is left this year →
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Your goals
Name what you're actually saving for — a wedding, a down payment, an emergency fund, anything with a number and a date. Set what you've got saved already and what you're putting toward it each month, and this tells you honestly whether that's enough.
20-year projection
Starts from your real net worth and real monthly savings rate today. The band spans a weak, average, and strong long-run market scenario — not one fake-precise number.
Show in today's purchasing power
Baseline — no decisions appliedWith decisions applied
Expenses grow with inflation every year — a $1,450 rent today isn't $1,450 in year 15. When "today's purchasing power" is on, the chart deflates future dollars back to what they'd buy right now, so the number means something; turn it off to see raw future dollars instead. Returns still span 4% / 7% / 10% scenarios.
Not included: CPP/OAS. This can be a meaningful part of retirement income, but estimating it accurately needs your real earnings history, which this tool doesn't collect. Check your actual estimate directly — Service Canada's CPP statement — and add it to the field in Retirement Drawdown below, or your Goals or Income, if you want it reflected here.
Model a decision
These read your real numbers above as the starting point — your actual disposable income, your actual home-eligible assets. Turn any on to see it reflected in the projection above; combine as many as you want.
Buy a home
Checks the down payment against what you actually have in home-eligible assets. Still deciding if buying is even the right move? Renting vs. owning, a real comparison →
Off — not counted below
Extra mortgage payments — optional
Have a child
Childcare cost varies enormously by region and arrangement — type your own if you know it, or use a preset to start.
Off — not counted below
Career move
A one-time change to your income when it happens, plus a new ongoing raise rate after. Applied to your first income row above.
Off — not counted below
Go back to school
Upfront cost and lost time now, for a possible income bump later. Doesn't always pay off — field matters more than the credential.
Off — not counted below
Relocate
A cheaper city can stretch the same income further; a move for a role usually raises both income and cost.
Off — not counted below
Pay yourself: salary vs. dividends
If you run a corporation, how you pay yourself changes your tax bill, your RRSP room, and your CPP contributions — all differently. For incorporated owners only.
Off — not counted below
Monte Carlo simulation
The projection above uses three fixed scenarios — weak, average, strong — the same rate every year. Real markets don't move in a straight line even within one scenario. This runs hundreds of randomized 20-year futures, using the actual historical mean and year-to-year volatility of long-run equity returns, and shows the real spread of outcomes plus your actual odds of ending above zero.
Retirement drawdown
Everything above models building your net worth up. This models spending it down — pick a retirement age and how much you'd withdraw each year, and see whether it actually lasts.
What this does now: splits your projected balance into tax-deferred (RRSP), tax-free (TFSA/FHSA), taxable-liquid (cash, brokerage), and illiquid (real estate, vehicles) — only the first three actually fund withdrawals. Which one gets drawn down first is your choice below (defaults to taxable, then RRSP, then TFSA — the usual recommendation, since it lets tax-free room compound longest). Real RRIF minimum withdrawal rules apply from age 71 regardless of that choice — it's forced by law, not a strategy — or earlier if you set a voluntary early-conversion age below. Real estate and vehicles are tracked but excluded from the spendable pool entirely, since nobody funds retirement by selling a slice of their house every year. You can also add your own CPP/OAS estimate below — this tool can't calculate that for you (it needs your real earnings history), but once you know your number from Service Canada, it gets added on top as real income, the same way any net rental income you've entered on a property (Your Numbers → "Rental income & mortgage paydown") is added too. What it still doesn't do: the bucket split uses today's account mix as an estimate for retirement, not a tracked allocation over time — and it doesn't model a deliberate decision to sell or downsize a home, calculate OAS clawback, model spousal income splitting, or optimize the exact withdrawal amount for your marginal tax bracket. Treat this as a real second read, not a full retirement income plan.
OAS clawback isn't calculated here. If net income in retirement is above roughly $95,323 (2026), OAS starts being repaid at 15% of the amount over that, fully gone by about $154,708 (ages 65–74) or $160,646 (75+). This threshold is indexed and changes every year — confirm the current number with CRA or a professional before relying on it; you're ultimately responsible for any repayment owed, not this tool. Separately, pension income splitting between spouses can meaningfully reduce combined tax in retirement and isn't modeled here either — worth raising with an accountant if it's relevant to your situation.
The chart above is one fixed path — the same assumed return every year, both before and after retirement. Real returns vary year to year. This runs hundreds of randomized versions of this same plan (same retirement age, withdrawal, and withdrawal order — just a different random return path each time, centered on the two assumed-return fields above) and reports how many of them actually last.
Scenarios
Save the current numbers and decisions as a named scenario, so you can build another one and compare them side by side later. Saved to this browser always; saved to your account too if you're signed in above.
Full PDF report
A complete, printable summary — net worth, decisions, year-by-year growth, goals, and retirement, all in one document. Generated entirely in your browser; nothing is uploaded anywhere.
Share your results
Generates a plain image from your projection above — nothing is uploaded anywhere, it's drawn locally and downloaded.
What your numbers suggest
Plain rules run against your actual data above — not AI guessing, just math anyone could check by hand. Each one shows what it's reacting to.
What happens to your estate
Canada doesn't have a US-style estate tax — but death still triggers real tax (a "deemed disposition" of everything you own) and, usually, real probate fees. This estimates both, plus what it would take in life insurance to actually cover the gap. New to this? Probate and estate basics, plainly explained → If you're a US citizen, green card holder, or otherwise have US-situs assets, a separate real exposure exists that this tab doesn't model — see US estate tax for Canadians →
Left to a surviving spouse (tax-deferred rollover)
Assets left to a spouse (or common-law partner) generally transfer at cost — no deemed disposition, no tax, right now. Left to anyone else — kids, other family, a trust — the tax below applies in the year of death, deferred by nothing.
Probate fees
Fees vary enormously by province — from nothing in Manitoba to well over 1.5% of your estate in Ontario or Nova Scotia. Registered accounts (RRSP, TFSA, FHSA, 401(k), IRA) bypass probate only when their "beneficiary designated" checkbox is checked on the Assets tab — leave it unchecked and that account is included like anything else. Each asset can also be assigned its own province on the Assets tab, for estates with property in more than one — probate is calculated separately per province and summed below.
Life insurance needs — risk management
How much coverage would it actually take to close the gap left behind — the tax bill, probate fees, outstanding debt, and however many years of income your household would need to replace?
Income protection — disability & critical illness
Life insurance covers what happens if you die. This covers the risk that's statistically far more likely during your working years — becoming unable to work, or facing a serious illness, while everything else keeps costing money.
These need estimates are rough, standard rules of thumb (65% income replacement for disability, a recovery-period expense cushion for critical illness) — not a substitute for an actual needs analysis from an insurance advisor, which would account for your specific policy, waiting period, and benefit structure. Still, having neither is a real, common gap worth knowing about, not a minor detail.
