For illustrative purposes only. Returns are not guaranteed. Actual market returns vary and may be higher or lower than the assumed rate. Always do your own research before investing.
Lump Sum Calculator
See how a one-time investment grows over time with compound returns.
For illustrative purposes only. Returns are not guaranteed. Actual market returns vary significantly. Past performance does not predict future results.
Goal Planner
How much do you need to invest monthly to reach a specific goal?
For illustrative purposes only. Returns are not guaranteed. Assumes consistent monthly contributions and a fixed annual return rate.
Withdrawal Planner
How long will your portfolio last if you withdraw a fixed amount each month?
Starting Portfolio Value $500,000
$
Monthly Withdrawal $2,000
$
Annual Return Rate 7%
%
Portfolio Longevity
Portfolio Lasts
Indefinitely
Your returns exceed withdrawals
Total Withdrawn
$240,000+
Annual Withdrawal Rate
4.8%
The 4% rule is a common safe withdrawal guideline
Portfolio Balance Over Time
For illustrative purposes only. Withdrawal sustainability depends on market returns, inflation, and actual portfolio performance. Consult a financial advisor for retirement planning.
CAGR Calculator
Calculate the Compound Annual Growth Rate of any investment — or find out what a position is worth at a given CAGR.
Initial Investment $10,000
$
Final Value $50,000
$
Years Held 10 years
yrs
Initial Investment $10,000
$
CAGR 15%
%
Years 10 years
yrs
Result
Compound Annual Growth Rate
17.46%
Total Return
400%
Gain
$40,000
Over 10 years
CAGR shows smoothed annual return and does not reflect year-to-year volatility. For illustrative purposes only.
Covered Call Income Calculator
Estimate monthly and annual income from selling covered calls on your stock positions.
Number of Shares 100
Current Stock Price $50
$
Premium per Share $1.50
$
Contracts per Month 1
1 contract = 100 shares
Income Estimate
Monthly Premium Income
$150
Annual Income Projection
$1,800
Yield on Position
36%
Position value: $5,000
Monthly vs Annual
Monthly
$150
Annual
$1,800
Cumulative Income Over 12 Months
Options involve risk. This calculator assumes consistent monthly contracts at the same premium — actual premiums vary with volatility, time to expiry, and strike selection. Not financial advice.
🇨🇦 RESP Calculator
Calculates government CESG grants automatically based on your child's date of birth. Enter your contribution plan to see projected growth by age 18.
📋 Your RESP Details
Enter your child's info — grants calculate automatically
Child Information
Child's Date of Birth Age: —
Used to calculate grant eligibility years. CESG stops end of calendar year child turns 17 (grant contributions until 14th birthday year).
Contributions
Annual Contribution Optimal: $2,500/yr
$
Max $2,500/yr gets full $500 CESG grant. Over $5,000/yr still allowed but no extra grant. Lifetime max $50,000.
Add lump sum contribution?
One-time deposit at account opening
Lump Sum Amount
$
Applied in year 1. Counts toward lifetime $50,000 limit. No grant on lump sum above annual contribution amount.
Growth Assumptions
Annual Return Rate 10%
%
RESP Start Year
Year you open the RESP account.
📋 RESP Grant Rules (Canada)
Annual CESG Grant
20% of $2,500
= $500/year max per child
Lifetime CESG Max
$7,200
Total government grants ever
Grant Cutoff
Age 14
Last year of contributions eligible for full grant
Contribution Limit
$50,000
Lifetime per beneficiary. No annual contribution limit.
Catch-Up Grants
$1,000/yr
Contribute $5,000/yr to use prior unused room at $500 extra
RESP Duration
35 Years
Must be collapsed after 35 years
Projected Outcome at Age 18
Total Portfolio Value
$—
When your child is ready for post-secondary
Your Contributions
$—
Government Grants
$—
Free money from Ottawa
Investment Growth
$—
Compounding returns
Total Invested
$—
Before market growth
Grants collected so far—
Grants remaining available—
Years of grant eligibility left—
⚠ Lifetime limit status—
🎁 CESG Grant Tracker
Projected total CESG received$—
Lifetime CESG limit$7,200
Remaining CESG available$—
0% of lifetime grant used$7,200 max
Contribution limit used—
of $50,000 lifetime limit$50,000 max
⏸️
$50,000 Limit Reached
Pause contributions after this point
Limit hit in year—
Child's age at that point—
Approx. month to pause—
After the $50,000 lifetime limit is reached, no further contributions are allowed. The portfolio continues to grow tax-sheltered. You don't need to close the account — just stop contributing.
For illustrative and educational purposes only. RESP rules, grant amounts, and eligibility may change. Results assume contributions at the start of each year and a fixed annual return rate. Actual returns will vary. Enhanced CESG grants based on family income are not included. Consult a financial advisor for personalized RESP advice.
See how I apply this in my real portfolio
I share every covered call, position sizing decision, and trade in real time — with full reasoning. Members see the numbers behind the numbers.