Calculators · Canada
Projections you can check
Every calculator here runs the same engine the ledger runs, in exact cents, and shows the versioned assumption set it was produced under — both sets are published in full, including what they deliberately leave out. Each one also subtracts what you would have had without borrowing — the number that survives that subtraction is the only one worth acting on.
Smith Manoeuvre calculator
Converts a mortgage into tax-deductible investment debt, month by month, and prices the leverage against investing the same cash without borrowing.
Open the Smith Manoeuvre calculator →Cash damming calculator
Routes rental or business expenses through a line of credit and runs both lives of the debt — with and without the dam — to full debt-freedom.
Open the cash damming calculator → This calculator is educational arithmetic, not financial, tax, or investment advice. It assumes facts about your situation it cannot know. Interest deductibility depends on your circumstances and on maintaining adequate records; consult a qualified tax professional before implementing a leveraged strategy.