Where should I hold each investment?
Look at the accounts you use, the income your investments earn and the cost of moving them.
Open toolStart with your question.
Explore a decision with a free tool, or read a guide before you begin. Each tool explains what it can tell you and where a closer review is needed.
Want to see the decisions in context? Explore your tax questions.
What difference can time and saving make?
See how your savings could grow over time. Change how much you save, how much you earn and how fast prices rise. This estimates growth, not tax.
Open toolRetirement and family
Turn savings into income, with room for the people who matter.
Explore the years before pensions start Explore helping familyWhen should I start CPP and OAS?
Look at when to start each pension, the money you need and benefits that depend on your income.
Open toolWhat job does my insurance need to do?
Start with what you need insurance to cover and how long you need it.
Open toolBusiness owners
Connect the corporation to your personal plan.
See the example of investing through a corporationWould incorporation fit my business?
Look at the profit you can leave in the business, the risks you face and the extra costs of a corporation.
Open toolHow much of my corporation’s cash can I use?
Set aside money for business bills and taxes. Then see what’s left to save, invest or pay yourself.
Open toolWhere should the next corporate dollar go?
Compare this year’s tax, money you could add to an RRSP or TFSA, and money left in the corporation.
Open toolWould a holding company help?
Look at your goals, who owns the business, the cash you need and the cost of another corporation.
Open toolSalary or dividends: what reaches my household?
Compare current tax and cash, then identify the longer-term questions.
Open toolCould my shares qualify for the capital gains exemption?
See which records to check about your shares, who owned them and what the corporation owned.
Open toolPrefer to read first?
The questions behind the tools.
Our guides connect corporate cash, owner pay and sale preparation to the records and choices that matter.
Read the guidesThe question tools help you see what to ask next. The calculators give estimates based on the details you enter. Neither can confirm that you qualify for a tax benefit or replace a review of your records.