Financial Tools

Explore Your Financial Picture

Interactive tools organized around the Five Ridge framework. Start with an assessment to see the full picture, or jump directly to the area that matters most.

Start Here

These three tools give you the broadest view of your financial position.

Financial Needs Assessment

Take a 2-minute quiz to identify gaps in your financial plan. Results flow into the Snapshot and INA.

Take Assessment

Insurance Needs Analysis

Coverage breakdown with layered options and illustrative pricing.

Retirement Income Projection

Model CPP, OAS, RRIF, TFSA, and pensions with sensitivity analysis.

Ridge 1

Protection

Make sure the foundation holds before you build on top of it.

Featured

Insurance Needs Analysis

Walk through your family profile, debts, and income needs to see an estimated coverage breakdown with layered options and illustrative pricing.

Explore

Living Benefits Calculator

Estimate your disability income gap and critical illness lump sum needs. See what happens to your finances if you cannot work.

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Ridge 2

Cash Flow & Accumulation

Know where your money goes, how it grows, and whether you are using the right accounts.

Budget Allocation Tool

Compare your monthly spending across eight categories against typical Canadian household ranges based on Statistics Canada data.

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Compound Interest Visualizer

See how your money could grow over time with the power of compound interest. Adjust contributions and rates to explore different scenarios.

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Investor Profile Questionnaire

Answer 10 questions to determine your investment style and suggested asset allocation for segregated funds. Based on your risk tolerance and time horizon.

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RESP Education Savings Calculator

Project your children's education savings with CESG grant tracking. Compare Individual and Family plans, add multiple children, and see combined family projections.

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Ridge 3

Tax & Debt Strategy

Every dollar lost to unnecessary interest or avoidable tax is a dollar that never compounds.

TFSA & RRSP Contribution Calculator

Estimate your available contribution room and explore how regular contributions may grow in a TFSA or RRSP over time.

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Debt Reduction Calculator

Compare snowball and avalanche strategies to see which approach could help you become debt-free sooner and save on interest.

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Ridge 4

Lifetime Income

Saving for retirement is one thing. Knowing how to draw from it without running out is another.

Featured

Retirement Income Projection

Model your full retirement income from CPP, OAS, RRIF, TFSA, and pensions. Compare withdrawal strategies and run sensitivity analysis across different return scenarios.

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Retirement Income Calculator

Explore whether your current savings and contributions may provide the income you need in retirement. Adjust variables to see different outcomes.

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CPP & OAS Estimator

Explore how your Canada Pension Plan and Old Age Security benefits could change depending on when you start collecting. Compare start ages and breakeven points.

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Ridge 5

Legacy & Estate

What you have built should outlast you. It starts with seeing the full picture.

Probate Fee Estimator

See the estimated probate fees for your province based on published government fee schedules. Compare costs across all Canadian provinces and territories.

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For Business Owners

Business Planning

Corporate surplus strategies and pension alternatives for incorporated professionals.

IPP Contribution Estimator

Compare estimated Individual Pension Plan contributions against RRSP limits based on your age and T4 income.

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Corporate Surplus Analyzer

Compare the long-term cost of holding corporate surplus in taxable passive investments against insurance-based strategies.

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These calculators are provided for educational and illustrative purposes only. Results are based on the inputs you provide and general assumptions. They do not constitute financial, tax, or investment advice. Actual results will vary based on individual circumstances, market conditions, and other factors. Please consult with a licensed financial professional before making financial decisions. Five Ridge Financial Ltd. is based in Alberta, Canada.

Want to Discuss Your Results?

These tools can help you think through your situation, but every family is different. If you would like to walk through your numbers with a licensed professional, we are happy to help.

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