Where the family stands
Every number on this page is computed from what you enter in the other tabs — nothing is hard-coded. Tax is modelled on 2026 federal and British Columbia rules, indexed forward by your inflation assumption.
Net worth to 2056
Stacked by where the money sits; the red line is what you still owe.This year’s cash flow
Balance sheet today
Debt runoff
Total balance owing, with your extra payments applied.Assets
Property is carried at market value and grows at its own rate; the mortgage against it lives in the Debt tab, so equity is always value minus the loan balance. Anything that is not a property or an investment account goes in the second table.
Real property
Cash on hand
Chequing and savings — where every surplus and shortfall in the plan lands.Each year’s surplus builds up here and each shortfall is drawn out of it. Nothing is invested automatically — put the deposits and shareholder loan advances you actually intend to make into the Investments and Holding company tabs, and this balance is what is left over. If it goes negative the plan is spending money it does not have — that is the number to watch.
Other assets
Vehicles, equipment, collectibles — things that hold value but do not compound.Debt
Loans
Accelerated payoff pool
What the pool buys you
Same loans, with and without the extra.Interest paid by year
Income & tax
Pension income splitting
Up to half of eligible pension income can be moved to the lower-income spouse’s return.Combined tax, this year
Year 2026Marginal rate check
Holding company
Company inputs
Shareholder loan
Money you have put into the company, and what it can pay back to you tax-free.A shareholder loan is your own after-tax money sitting inside the company. Putting it in is not income to the company and taking it back out is not income to you — no dividend, no payroll, no tax. It is usually the cheapest cash a corporate owner can draw, so the balance below is worth watching. Leave a From or To year at 0 to mean “the whole horizon”.
Draw from the company
Company tax, this year
Salary vs. dividend, same cost to the company
Which route leaves more in your pocket.Spending
This is the number that decides when you are work-optional. Everything except debt payments goes here — loan payments are already counted in the Debt tab, so leave them out to avoid double-counting. If you rent, put it on the Rent line; if you own, leave Rent at zero and let the mortgage do its work under Debt. Add lines for anything that matters to you — property tax, insurance, vehicles, kids, travel — or leave them in “Everything else”.
Household spending
Retirement assumptions
Investment accounts
Accounts
Leave a From or To year at 0 and it means “the whole horizon”. A withdrawal is capped at whatever is actually in the account that year.
Non-registered yield split
Applied to taxable-account balances to work out investment income.Account balances over time
Year-by-year projection
The whole plan. Change the horizon and every chart on the site follows.
Horizon
Settings & data
Your figures live in this browser only — they are never sent anywhere. Export a copy before you clear browser data, or to move the plan to another machine.