The complete toolkit

The Calculators

Every tool is free, public, and teaches before it computes. Grouped exactly as the book — work through them in chapter order, or start where the Stage Finder points you. Figures as of mid-2026 (Ontario basis).

Part One · The Foundation

From Chapters 1–2Where Does Your Next Dollar Land?Compare the same dollar in the personal (~53.53%), corporate (~11.2%), and exempt environments — and watch the difference compound.From Chapters 2 & 5The Passive-Income Grind (AAII)How investment income inside your corporation quietly shrinks the $500,000 small-business deduction — and what each extra dollar really costs.From Chapters 3 & 14Salary vs Dividend Mix OptimizerFind the compensation blend for your numbers — and the smarter draw order: CDA first, then eligible dividends, then salary as needed.From Chapters 2–3Retain vs ExtractThe $500k question: extract it all, retain it all, or draw only what you need — compounded over your horizon.From Chapter 5Corporate Investment-Income ComparatorInterest vs dividends vs capital gains inside the corporation: after-tax growth, AAII generated, RDTOH and CDA created.

Part Two · The Power Tools

From Chapter 6IPP vs RRSPAge 40+? See the extra deductible room an Individual Pension Plan can create over the RRSP limit — and what past service could unlock.From Chapter 8COLI vs Taxable PortfolioExempt growth, the CDA credit, and what carrier illustrations really promise (and don’t) — anchored to the book’s July 2026 illustration.From Chapter 7RCA ModellerThe 50/50 split, the zero-interest refundable tax account, and when a Retirement Compensation Arrangement beats a bonus.From Chapter 11IRP True-Net-Cost ComparatorInterest + fees + tax on fees + repayment + the CDA effect — the honest price of “tax-free” insured retirement income.From Chapter 9IFA Stress-TesterDebt, not magic: net carry, break-even borrow rate, and the with/without comparison to demand from any pitch.From Chapter 10TOSI Screener + Prescribed-Rate LoanWhich family-income exceptions actually survive TOSI — and what a prescribed-rate loan saves on your numbers.

Part Three · Drawdown & Exit

From Chapter 13GIC vs Prescribed vs Insured AnnuitySteve’s $1M three ways: income today and estate tomorrow — and why “insure the floor, invest the surplus” beats picking one number.From Chapter 14CPP / OAS Deferral Optimizer+42% CPP and +36% OAS at 70 — when waiting wins, when it doesn’t, and the dividend gross-up trap that claws back OAS.From Chapter 4QSBC / LCGE Risk & Purification PlannerIs your $1,275,000 exemption at risk? The “substantially all” test, the 24-month clock, and the purification runway.From Chapter 16Estate Freeze EstimatorCap the estate’s tax bill at today’s value, multiply the LCGE across the family, and mind the 21-year trust clock.From Chapter 15Transaction-Year ChecklistEight regimes fire simultaneously in a sale year — regular tax, AMT, LCGE, s.84.1, RCA, CDA, GAAR, mandatory disclosure. Confirm every one.From Chapter 17Success Squad MapperMap your advisors to the six seats, surface the empty ones and the red flags, and leave with a 90-day plan.From Appendix CDonation-in-Kind + Buy-Sell ReadinessDonate securities in kind (tax avoided + full-gain CDA credit) and stress-test whether your buy-sell agreement is actually funded.

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