The Tax Lab
Seven live tools built on public Canadian tax rules — six calculators with sliders you can drag right here, plus a policy illustration analyzer that reads your PDF. No email. No phone number. We never see what you enter.
Upload the illustration PDF from any Canadian carrier — Equitable Life, Manulife, Sun Life, Canada Life. Get the real IRR year by year, the GIC return needed to match it, and the tax-free retirement income its cash value can support, compared against RRSP/RRIF withdrawals. Parsed entirely in your browser: nothing is uploaded, and you verify every number before anything is calculated.
Cold water, first
These tools point at strategies that often involve participating insurance — which does not suit everyone. Tight cash flow, a horizon under 5 years, unfilled registered accounts, pure-protection needs, or hopes of a quick return: in any of those cases we'll tell you not to buy. Estimates are educational, not advice; parameters updated every January.
Book a Tax Diagnostic
The first conversation is free — your situation, our method, and whether we fit. Complex files quote a planning fee up front: you'll know before we start.
// the only variable in this plan that gets more expensive every year is your age