Income replacement
How much life coverage would keep your household whole?
Estimated coverage gap
$1,150,000
Annual income x 60% x years needed + debts + $25,000 final costs − existing coverage
Learn · Calculators
Run your own numbers
Every calculator shows the formula behind it, so you can check the math by hand and explain it to someone else.
Emergency fund target
Based on your real fixed costs, not a generic rule of thumb.
Still to save
$10,800
Target = monthly fixed costs x months of cover = $16,800
Compound growth
What steady contributions turn into over time.
Projected value
$264,122
You contribute $130,000; growth adds $134,122.
Education, not advice
These tools illustrate how the math works. They do not account for your full tax picture, employer benefits or provincial programs. Bring your results to a class and we will walk through them together.
See upcoming workshops