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MoneyPages evolved from trying to find answers to our own personal financial questions. These ranged from the amount of money that we should be saving for retirement to answering questions about home purchase, debt management, post-secondary education costs and estate planning issues.
We gradually began to develop a small database of information and financial articles as well as an array of spreadsheets for financial calculations but it was clumsy. Eventually we decided to consolidate the information we gathered on a website.
We thought we would share our efforts with you. Feedback and suggestions are always welcome.
Where to begin?
If you are wondering where to begin with your personal finances, MoneyPages can help you to identify where you are on your quest for success with our Life Map. It summarizes some of the key financial issues that you may face throughout your life and suggests steps you can pursue in order to address these concerns.
What’s New at MoneyPages
December 28, 2018 - Our QuickPlanner has been updated to provide you with guidelines for retirement income needs, CPP benefits and OAS benefits. It is an excellent tool for a quick and accurate estimate of your retirement needs
November 15, 2018 - MoneyPages is pleased to announce the addition of our BudgetTrackers. It's a safe, secure way to monitor your household expenditures to identify where your money goes each month and to help ensure you stay on track. Free registration allows you to save your files for future reference and our charts allow you visualize your spending at a glance. Choose from our Personal BudgetTracker to our Household BudgetTracker to suit your needs.
Note: All personal finance tools are offered at no cost and no subscription is required. Donations help fund further development & improvement of our site - but there is not obligation to do so.
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.
Budget Planner - Create your personal household budget and identify where you spend your money and how you can save for the future.
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 – While there are no calculators in this section we have created a checklist to help you ensure that your estate planning matters are in place.