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.
Where to begin?
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 and suggests steps you can pursue in order to address these concerns.
What’s New at MoneyPages
It has come to our attention the the Save File and Create PDF funcions in the SmartPlanner are not working correctly at the moment. Our web developer is working in this problem.
November 11, 2019 - Alert! It has come to our attention that our email replies to queries will sometimes be sent to the user's Spam or Junk Mail folder if the user hasn't approved our email address. If you are expecting a reply and have not received one, please check your Junk Mail folder.
October 21, 2019 - We have removed some of our advertising to provide you with a better user experience.
June 23, 2019 - The SmartPlanner has added a Stress Test that illustrates the impact that a market correction could have on your personal finances. Combined with the Monte Carlo simulation, the Stress Test gives you a unique assessment of any risks inherent in your retirement plans.
December 28, 2018 - The 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
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.
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.