Free tools
Run the numbers yourself.
Four calculators built on current Ontario and federal rules. No sign-up, no email, no follow-up unless you ask. Everything runs in your browser — nothing you type is sent anywhere or stored.
Planning calculators and checks
Ontario probate calculator
Estate Administration Tax is charged at $15 per $1,000 above a $50,000 exemption — but only on the part of your estate that actually goes through probate. This tool separates the two, asset by asset, and shows the difference planning makes.
Tax at death calculator
Estimates the terminal return: capital gains on the deemed disposition at a 50% inclusion rate, registered plans taken into income, federal and Ontario brackets including the surtax. Toggle the spousal rollover to see what deferral does.
Life insurance coverage gap
Adds up final expenses, debts, mortgage, income replacement, education and estate tax liability, then subtracts what you already have in force. Keeps group coverage separate from personal coverage, because they are not equivalent.
Estate readiness check
Twelve questions across core documents, how assets transfer, funding the plan, and the people involved. Returns a written explanation of each gap and why it matters in Ontario specifically.
Illness & disability estimator
What a serious diagnosis would cost before any benefit starts paying, and the monthly gap left after your group plan and CPP. Accounts for whether your disability benefit is taxable — which is where most of the surprise lives.
Business coverage estimator
Three obligations that land on the same day: tax on the deemed disposition of your shares, the money to buy out a departing shareholder, and the cost of losing someone the company depends on.
Term vs permanent
Term is far cheaper until the renewal at the end of the initial period, which arrives priced on an older life. This shows where the curves cross and why the answer depends on whether the need has an end date.
Why these are free and why they don't ask for your email. A tool that holds your result hostage for contact details is a lead form wearing a costume. These run entirely in your browser. If the numbers worry you, book a conversation. If they don't, you have saved yourself a meeting.
Start with a conversation.
Thirty minutes, no charge, no product pitch. Bring whatever you have — a will, a policy, a shoebox of paper, or nothing at all. You will leave knowing what is missing and what it takes to fix.
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