Make your next money decision with the math in front of you.

Payments with semi-annual compounding, CMHC insurance, the stress test, prepayments, and your balance at renewal.

The maximum home price you qualify for under GDS/TDS limits and the stress test — the way lenders actually decide.

A fair fight: full ownership costs vs renting-and-investing the difference, with the principal residence exemption done right.

Ontario, Toronto's MLTT, BC, Alberta, Quebec and Montreal — with first-time buyer rebates, on 2026 brackets.

Grow a tax-free down payment with the First Home Savings Account — $8k/yr, $40k lifetime, plus the tax refund you get back.

Cap rate, monthly cash flow, cash-on-cash return and 10-year equity for a Canadian rental property.

Is breaking your mortgage worth it? Penalty (3-month interest vs IRD), fees, and months to break even.

How much you can borrow against your home under the 80% refinance and 65% HELOC rules, and what it costs.

Will your savings last? Accumulation to age 65, then drawdown with CPP, OAS and inflation — in today's dollars.

Same dollars, two accounts: which wins based on your tax bracket today vs in retirement — with the refund reinvested fairly.

Your total contribution room from your birth year and past contributions — every annual limit since 2009, built in.

Watch contributions snowball — and see exactly what a 2% fund fee quietly takes versus a 0.2% index fund.

Set your stock/bond mix and see expected growth, best and worst cases, using FP Canada planning assumptions.

Your FIRE number, years to freedom, plus Coast and Barista FIRE — with safe withdrawal rates you can stress.

Take CPP early or defer it? Lifetime totals and the break-even age for every start age, on 2026 benefit rates.

RRSP first, TFSA first, or blend? Simulates each withdrawal order to 95 with real 2026 tax, RRIF minimums and OAS clawback.

Mandatory minimums by age, your balance path to 95, and the younger-spouse election — the full RRIF picture.

Turn a portfolio into a paycheque: income now and in 20 years with DRIP, plus the eligible-dividend tax break explained.

The minimum-payment trap, exposed: payoff time and interest at 20.99%, and what any extra payment saves you.

Avalanche vs snowball vs one consolidation loan across all your debts — ranked by interest saved and payoff date.

Repayment plans for Canada Student Loans — federal interest is 0% since 2023; see what the provincial portion really costs.

Total cost of financing vs leasing the same car — including equity kept, buyout math and sales tax by province.

Payments, total cost, and the debt-service coverage ratio lenders check before saying yes.

2026 taxes for all 13 provinces and territories — CPP, EI, Ontario surtax, dividends, capital gains, and your per-paycheque net.

Self-employed? See whether the CRA's quick method or the regular method leaves more HST/GST in your pocket.

What today's dollars will really buy in 10, 20, 30 years — and the return you need just to stand still.

A 50/30/20 starting point that adapts to your take-home pay, with a savings-rate dial and where-it-goes breakdown.

Selling stocks or a rental property? Tax owed at the 50% inclusion rate — and why your principal residence pays $0.

What your charitable giving really costs after federal and provincial credits — and how to claim it smarter.

Convert pay both ways — and see your true hourly rate once unpaid overtime is counted.

The hourly rate that actually replaces your salary — covering both halves of CPP, downtime and dry spells.

How much term coverage your family actually needs — debts, income replacement, education and final costs, minus what you have.

Your target fund based on your real fixed costs and job risk, plus a monthly plan to get there in a high-interest account.

Pick a number and a date — get the exact monthly amount, with interest doing part of the work.

Education savings with the 20% government match modelled properly — catch-up room, the $7,200 grant cap, and cost of delay.

Your full balance sheet in two minutes — assets minus liabilities, with Canadian median benchmarks by age.

Convert CAD to major currencies — and see what the typical 2.5% bank spread quietly costs on top of the mid-market rate.

Which Baby Step are you on? Get graded on debt, emergency fund and housing by the strictest man in money radio.

Your savings rate vs his legendary standards — and what he'd say about your rent, coffee and side hustle.

Assets column vs liabilities column: does your money work for you, or do you work for it?

"Can you afford it?" Approved or denied on your emergency fund, insurance and that purchase you're eyeing.

The Oracle's lens on your portfolio: fees, index funds, cash drag and whether you're being greedy or fearful.

Your Freedom Fund number and the compounding machine — plus the fee audit he'd demand you run.

Score your Conscious Spending Plan: fixed costs, investments, savings, and guilt-free spending on your Rich Life.