WealthPlan
Should you pay off your mortgage faster or invest the difference? Find out in 60 seconds.
WealthPlan is a Canadian mortgage vs. investment simulator for homeowners. Plug in your mortgage, your extra cash, and your province. See whether accelerating your mortgage, loading up your TFSA, or maxing your RRSP leaves you with the most wealth — with 2025 tax brackets, TFSA and RRSP rules, and year-by-year projections.
How it works
Answer the question every homeowner asks
Should I pay off the mortgage faster or invest the difference? Get a personalized answer grounded in your province, income, and mortgage.
Built for Canadians
2025 federal and provincial tax brackets. TFSA and RRSP contribution rules. Refund reinvestment logic. Accurate where generic calculators guess.
Four strategies compared side-by-side
Mortgage acceleration plus TFSA, mortgage plus RRSP, pure TFSA, pure RRSP. See how each plays out over the life of your mortgage.
Year-by-year wealth visualization
A four-line chart shows how each strategy grows your wealth over time, plus a yearly breakdown table for the detail-oriented.
Advanced mode for power users
Tweak every assumption — rate of return, mortgage rate, retirement income, extra monthly contribution — and see the simulation update instantly.
No signup required
Run your numbers, get your answer, keep your data. No account, no email, no credit card.
Pricing
Start free. Upgrade when you need more.
Free
- Unlimited simulations
- All four strategies compared
- 2025 federal and provincial tax brackets
- TFSA and RRSP awareness
- Year-by-year wealth chart and table
- Advanced mode for power users
- No signup required