Insurance by Harpal Hamilton, Ontario
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Free planning tools

Run the numbers on your money.

Five quick calculators — retirement readiness, investment growth, goal planning, withdrawals, and estate & probate. Every result can be shared straight to a client by text or email. Illustrations only, not financial advice.

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Retirement Readiness Calculator

Move the sliders and see whether your current pace gets you to the retirement you actually want.

31
45
89

How long your money needs to last — most plans use 90–95 to be safe.

$0
$

TFSA, RRSP and non-registered investments combined — not including your home.

$1,000
$
$5,000
$
7%
Retirement outlook
You're projected to have
$0
You'll actually need
$0
Your gap
$0
Funded0%
Assumes 3%/yr inflation and a 4.5%/yr return once retired. Illustration only — talk to Harpal to turn this into a real plan.
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Portfolio over time (growing, then drawn down in retirement)

Investment Growth Calculator (SIP)

Combine a lump sum with monthly contributions, or use either on its own — set the other to $0.

$0
$
$500
$
7%
20 yrs
Projected outcome
Total value
$0
Total invested
$0
Gains from compounding
$0
InvestedGrowth
Assumes monthly compounding and contributions at month end. This is an illustration only, not a guarantee of return.
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Value over time

Goal Planner

How much do you need to invest monthly to reach a specific target?

$500,000
$
$0
$
7%
15 yrs
What it takes
Required monthly investment
$0
Total you'll contribute
$0
Growth from compounding
$0
If the required monthly investment seems high, stretching the time period or starting with a larger lump sum both bring it down.
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Balance building toward your target

Withdrawal Planner (SWP)

How long will a portfolio last if you draw a fixed amount from it every month?

$500,000
$
$2,000
$
5%
How long it lasts
Portfolio lasts
0 years
Total withdrawn
$0
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Portfolio balance over time

Estate Tax & Probate Calculator

Project what taxes, probate fees and life insurance needs could look like at a future age — by province, asset type and expected growth.

55
85

Life expectancy, or any future age you want to plan around.

$600,000
$
%
$100,000
$
%
$300,000
$
%
$200,000
$

What you originally paid for these investments — used to work out the taxable capital gain.

$0
$
$0
$
$15,000
$
Projected outcome
Projected gross estate
$0
Tax on RRSP/RRIF & capital gains
$0
Estimated probate fees
$0
Net to heirs
$0
Coverage gap to close with insurance
$0
Tax, probate and debts, less any insurance already in place.
Tax 0% Probate 0% Debts 0%
Simplified estimate. RRSP/RRIF tax assumes your top marginal bracket; capital gains use the current 50% inclusion rate; probate fees use public provincial fee schedules (some assets with named beneficiaries or joint ownership may bypass probate in practice). Confirm your numbers with an estate lawyer and accountant.
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Projected estate growth over time