Debt payoff
Semi-annual compounding for Canadian mortgages, accelerated bi-weekly payments, and an extra-payment pool you can aim at the highest rate or the smallest balance.
avalanche · snowball · proportional
Household planning, North America
A financial plan that knows your actual tax rate.
Most planners guess at tax with a flat percentage. This one runs the real brackets — every province, every state — across your salary, dividends, capital gains and retirement withdrawals, for thirty years.
✓ 64 jurisdictions
✓ Verified against published rates
✓ Corporate integration
Top combined marginal rates, 2026
two of 64| Income type | B.C. | California |
|---|---|---|
| Salary and interest | 53.50% | 54.10% |
| Capital gains | 26.75% | 37.10% |
| Eligible / qualified dividends | 36.54% | 37.10% |
| Non-eligible / ordinary dividends | 48.89% | 54.10% |
Canadian figures match Ernst & Young's published 2026 combined tables to the basis point. U.S. figures include the 3.8% net investment income tax.
Where do you pay tax?
This sets the whole model — brackets, payroll, account types and the business entity. You can change it later, and each earner can sit in a different province or state.
13Provinces
& territories
& territories
Canada
Including Quebec’s QPP, QPIP and federal abatement- RRSP, TFSA and FHSA, with withdrawals taxed the year you take them
- CPP, CPP2 and EI, employee and employer sides
- Dividend gross-up and both federal and provincial tax credits
- Holding company: small business deduction, RDTOH refunds, the capital dividend account and shareholder loans
51States
& D.C.
& D.C.
United States
Filing status per earner, joint returns combined properly- 401(k), traditional and Roth IRA, and HSA
- Social Security, Medicare and the 0.9% additional Medicare tax
- Preferential 0 / 15 / 20% rates, the 3.8% NIIT and the 20% QBI deduction
- Business entity: C-corporation or S-corp pass-through, with owner capital accounts
Not ready for the full plan?
Four free calculators — income tax, mortgage, debt payoff and compound interest — with no sign-up.
Open the calculators →
Four things, properly
Income and tax
Every income type entered separately, with the tax built line by line so you can audit it — credits, gross-ups, surtaxes and low-income reductions all shown.
per earner, per jurisdictionThe company
Salary versus dividend on the same corporate cost, refundable tax pools tracked year by year, and the tax-free route home most planners ignore.
CCPC · C-corp · S-corpThirty years out
Net worth, debt, cash and every account projected forward — in nominal dollars or today’s. Adjust the horizon and every chart follows.
nominal or real · CSV export
Your numbers stay yours
Everything you enter is held in your own browser and nowhere else. There is no account to create, nothing is uploaded, and no one — including us — can see your figures. Export the whole plan as a file whenever you want a backup or need to move it to another machine.
Disclaimer — read this before you rely on anything here
This is software, not advice. Family Financial Planner is a calculation tool. Nothing on this site is financial, investment, tax, legal or accounting advice, and nothing here is a recommendation to buy, sell, hold, borrow, incorporate or do anything else.
Nobody here is your planner. This site is not operated by a licensed financial planner, financial advisor, dealer, broker, accountant or lawyer, and no one connected with it holds themselves out as one. “Financial Planner” in the name describes the software. In Ontario, Quebec and other jurisdictions that title is regulated for individuals; this site is a program, not a person using it.
The numbers are estimates. The engine applies 2026 federal, provincial and state rules to the figures you type in, using simplified models. It does not know your full situation. Carry-forwards, prior-year balances, many credits and deductions, alternative minimum tax and provincial programs are left out or approximated — Quebec’s senior credits in particular. Tax rules change every year, sometimes retroactively. Every projection rests on return, inflation and growth assumptions that will turn out to be wrong in ways nobody can predict.
Verify before you act. Confirm anything you intend to act on with a qualified professional who knows your circumstances — an accountant, a licensed financial planner or a lawyer. Where this tool and your professional disagree, the professional is right.
Your data, your backups. Everything you enter is stored in your own browser and nowhere else. We cannot see it and we cannot recover it. If you clear browser data, switch devices or the browser discards it, it is gone unless you exported a copy.
No warranty; use at your own risk. This site is provided as is, without warranty of any kind, express or implied, including accuracy, fitness for a particular purpose and availability. To the fullest extent permitted by law, Family Financial Planner and its operator accept no liability for any loss or damage arising from use of this site or reliance on anything it produces, including errors in its calculations.
Not affiliated with any government, tax authority, pension plan, bank or financial institution. Programme names such as CPP, OAS, RRSP, TFSA, 401(k), IRA and Social Security are used descriptively.