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Market Volatility Calculators

Diversification and bear markets

See how diversification would have protected your portfolio during any of the seven bear markets between 1968 and 2009. Compare the performance of a diversified portfolio to one made up of stocks only.

Diversification and bull markets

See how diversification would have affected the growth of portfolios during any complete bear/bull market cycle between 1968 and 2008. Compare the performance of a diversified portfolio to one made up of stocks only.

Stay invested

See the importance of staying invested in the market. Compare the investment performance of $10,000 fully invested versus the same investment that misses the best performing months of the stock market.

Portfolio growth - historical returns

Compare the growth of a diversified portfolio to stocks, bonds and cash using historical rates of return between 1935 and 2009. Returns can be adjusted for inflation and management expense ratios.

Rule of 72

How long will it take you to double your money? This calculator gives you a quick answer and lets you compare three rate of return scenarios using the Rule of 72.

Tax-Free Savings Account (TFSA) Calculator

TFSA vs taxable investment

Compare the growth of a TFSA investment to a taxable investment that can generate any portion of interest, eligible dividends and capital gains. You can enter your own mix of interest, dividends or capital gains.

Personal Finance Calculators

Car loan payment

See how much your car payment will be based on the amount borrowed, interest rate, payment frequency and term. You can create and compare two loan payment scenarios.

How much car can I afford?

Estimate the cost of the vehicle you can afford based on how much you are able to pay monthly, the current interest rate, loan term and any down payment, trade-in or rebate amounts.

Gas cost calculator

Concerned about rising gas prices? Use this calculator to help you understand the impact of higher gas costs on your wallet. Estimate the cost of commuting, road trips, changing gas prices and the effect of a vehicle's fuel efficiency on your gas costs.

Is it worth it to drive for cheaper gas?

With gas prices soaring to near record highs, is it worth it to shop around for cheaper gas? It will depend on the difference in gas prices, how far away you are from the cheaper station, the fuel efficiency of your car and perhaps most importantly, how much you value your time.

Credit card payoff calculator

Use this calculator to estimate the payment required to pay off your credit card debt in a specified number of months or calculate how long it will take to pay off your card given a specific monthly payment

Net worth

Getting a grasp on your real net worth is the first step in reorganizing and rebuilding your finances.

Reduce spending

Reducing your spending a little bit on everyday items and investing that money instead will provide you with a larger nest egg in the future.

Pay yourself first

You pay your bills every month but there might be someone you're forgetting to pay - yourself. See how paying yourself first is a vital step toward a more secure financial future.

Pay down debt or invest?

Should I pay down my debt or invest? Use this calculator to compare the after-tax cost of your debt to the after-tax return on your investments to help you make this decision.

Mortgage accelerator calculator

See how increasing your mortgage payment or changing the frequency of your payments can reduce the life of your mortgage and the amount of interest you pay.

Mortgage payment

See how much your mortgage payment will be based on the amount borrowed, interest rate, payment frequency and amortization period. You can create and compare two mortgage payment scenarios.

Mortgage qualifier

If you are looking to buy a home, how much can you afford to spend? This calculator will estimate the maximum value of a house you may qualify to buy based on your current household income and other debts.

Investment Calculators

Formula for wealth

Change time, goal or return to see how you can apply the formula for wealth to your own financial goals.

Importance of higher returns

Earning the highest rate of return that your risk tolerance will permit can make a dramatic difference on the future value of investments over the long term.

Tax Calculators

Ottawa's final tax bite

The full value of your RRSPs and RRIFs will be taxed by Ottawa in the year of death if you don't have a surviving spouse. Use this calculator to estimate Ottawa's final tax bite.

Taxes and investment income

There are three different types of investment income - interest, dividends and capital gains. When investing outside of an RRSP, it's important to understand how each of these is taxed.

Education Calculator

Insurance Calculator

Retirement Calculators

Will the money last?

Show how long your money will last if you make regular, annual withdrawals indexed to inflation.

A tale of two RRSPs

An RRSP is the single most effective tool available to help Canadians save for retirement. See how five basic investing strategies can enhance the growth of an RRSP.

Carrick Talks Money »

Savings Rate & GIC Comparison

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