KLS Financial Tools
Calculators
Estimate your mortgage payments and see how extra prepayments can reduce your balance and interest. View an amortization schedule to break down each payment into principal and interest.
Mortgage Payment Calculator
Calculate your net worth - the difference between your assets and liabilities - and compare it to other Canadian households. Use the calculator for personal or household results, with built-in categories or your own.
Net Worth Calculator
Estimate your post-secondary costs and see if your savings will cover them. If there’s a shortfall, use the debt calculator to compare up to three loan and repayment options.
Education Cost Calculator
If you have extra cash, this calculator helps you decide whether it’s better to invest or pay down debt. Compare potential investment returns against interest savings to make a smarter financial choice.
Pay Down Debt or Invest Calculator
Use this calculator to estimate your monthly cash flow and determine whether you have a surplus or shortfall.
Cash Flow Calculator
Retirement planning begins by understanding your income and expenses. This worksheet helps you compare what you earn and spend before and after retirement.
Retirement Budget Calculator
Estimate your RRSP value at retirement and the income it can provide each year. As retirement nears, your focus shifts from growth to income, typically moving to lower-risk investments that preserve capital but may offer lower returns.
RRSP Savings Calculator
The First Home Savings Account (FHSA) is a registered plan that helps Canadians save for their first home. Residents aged 18 and older can open an FHSA to save toward a home purchase in Canada.