MoneyPages has been developed as a free public service website where you have access to multiple personal finance tools and information designed to help you evaluate your unique financial situation. There is no cost and no subscription is required. Donations help to offest hosting costs and fund further development - but there is no obligation.
What’s New at MoneyPages
January 20, 2020 - If you are expecting a reply via email from MoneyPages check you junk mail or spam folder. We have learned that some of our replies are ending up in these folders. We have also learned that some of our email replies are not being accepted. Please add firstname.lastname@example.org to your address book or address book if you are expecting a reply so future emails will come to your inbox.
February 1, 2020 - A glitch in the OAS calculations in the new CPP/OAS Optimizer has been corrected
January 17, 2020 - The 2020 income tax calculator is now ready to use.
January 6, 2020 - The SmartPlanner has been updated to reflect 2020 tax rates
June 23, 2019 - The SmartPlanner has added a Stress Test that illustrates the impact that a market correction could have on your personal finances.
MoneyPages Calculators and Guides
If you are wondering where to begin with your personal finances our Life Map summarizes some of the key financial issues that you may face throughout your life, provides you with a guide to see if you are on track and suggests steps you can pursue in order to achieve success.
SmartPlanner – Our comprehensive retirement calculator goes far beyond most retirement calculators to provide you with a detailed look at your financial future. Compare with retirement planning software packages that require an annual subscription of $500 per year or more!
Net Worth Worksheet - Track your household assets and liablilties to determine your net worth.
Basic Retirement Calculator - Use our QuickPlanner to quickly estimate your retirement income plans.
CPP & OAS Optimizer - Estimate your government benefits in retirement and calculate the best age at which to begin receiving those benefits.
RRSP RRIF Converter helps you determine the amount of RRIF income you can expect to receive each year in retirement when you convert from an RRSP. It allows you to experiment with different scenarios to help you determine the option that best suits yourt situation
RRIF Withdrawal Calculator - Determine the annual income you can expect to receive from your RRIF during your retirement
Savings Growth Calculator - Calculate how your savings can grow over time.
Income Tax Calculators - Estimate your income taxes and determine the impact of RRSP contributions, dividends vs. interest, and other factors.
Mortgage Planner - Use the MortgagePlanner to create a detailed look at what it will cost you to purchase a home, including up front cash costs and monthly payments.
Property Sale Calculator - Calculate the proceeds from the sale of your property after real estate fees, paying the outstanding balance on the mortgage, paying any mortgage pre-payment penalties and other fees.
Mortgage Payment Calculator - Determine the monthly principal and interest payments on any mortgage over the term you desire.
Cost of Education Calculator - Estimate the future cost of pursuing a post secondary education with this calcualtor. Use the quick links to Canadian tuition fees to assist in your calculations.
Auto Loan Calculator - Calculate the monthly payments on any vehicle loan for a term of up to 8 years.
Auto Depreciation Calculator - Estimate how the value of your vehicle declines over time and what it may be worth in the future.
RESP Calculator - Calculate how savings for your children's education can grow over time, taking into consideration your contributions as well as federal government grants.
DebtPlanner - Estimate whether the amount of debt you are carrying is acceptable and calculate the amount of addtional debt than you can carry, if any, that is appropriate.
Credit Card Repayment Calculator - Determine how long it will take to pay off your current credit card balance and the amount of interest you will pay over time.
Basic Loan Calculator - Calculate the principal and interest payments on any term loan.
Estate Planning – We have created a checklist to help you ensure that your estate planning matters are in place. It provides you with a guide on where to begin and answers some basic estate planning questions.