Hemisphere Capital Management Inc.

Calculate Your Next Step.

FINANCIAL PLANNING TOOLS

Building Wealth

TFSA Contribution Room Calculator

Estimate your available TFSA contribution room based on age, past deposits, withdrawals, and CRA limits.

TFSA Growth Calculator

Model future tax-free savings growth using current balance, contributions and investment returns.

RRSP Contribution Room Calculator

Calculate your RRSP contribution room using income, pension adjustments, and unused carry-forward.

RRSP & FHSA Tax Refund Calculator

See your estimated RRSP or FHSA tax refund based on contribution amount, income, province, and marginal tax rate.

RRSP Growth Calculator

Model long-term RRSP growth with contributions, compounding, and tax-deferred returns until RRIF conversion.

Pay Down Debt or Invest?

Compare whether paying down your mortgage or debt versus investing could deliver greater long-term value.

Which Account Should I Invest In?

Evaluate the performance of various account types to see which account could deliver the greatest value.

Retirement Planning

RRIF Minimum Withdrawal and Withholding Calculator

Determine your minimum RRIF withdrawal based on age and current RRIF value. Determine withholding tax based on planned withdrawals.

RRIF Drawdown Calculator

Project RRIF withdrawals and balances over time based on age and expected investment performance.

Wealth Succession

Estate Tax Calculator

Estimate fees and taxes to better understand how much wealth may transfer to the next generation.

Disclaimer: All information shown in the tools is illustrative and estimates only. This information is not intended to be comprehensive investment, tax, financial or legal advice and should not be considered as personal investment advice, an offer, or solicitation to buy and/or sell investment products. Every effort has been made to ensure accurate information has been provided, however accuracy cannot be guaranteed. Tax rules and other factors change frequently. Past investment performance does not guarantee future results. The manager accepts no responsibility for individual decisions arising from the use or reliance on the information contained herein. Please consult a portfolio manager prior to making any investment decisions.