Free Canadian estate planning tools
Practical calculators for Canadian estate planning. Built around current statutes and tax rates; figures are approximate and meant to inform rather than replace professional advice.
- Probate
Probate fee calculator
Estimate the provincial probate fee on any estate value across all 10 provinces and 3 territories. Formulas linked to statute.
- Charitable giving
Charitable bequest calculator
See what a percentage of your estate would mean as a charitable gift — in dollars and in real-world impact. Even 1% can change a life.
- Charitable giving
Charitable tax credit calculator
Estimate the combined federal-plus-provincial tax credit on a charitable donation, across all 9 supported provinces and 3 territories.
- Charitable giving
Share donation vs cash calculator
Compare the after-tax cost of donating publicly-traded shares in-kind versus selling first and donating cash. Uses Income Tax Act s.38(a.1).
- Charitable giving
Charity Guide Wizard
Not sure which Canadian charity to leave a gift to? Pick a cause and a scope and get a curated list of well-known registered Canadian charities to investigate.
- Cross-border
US estate tax for Canadian snowbirds
Estimate US estate tax exposure for Canadians with Florida property, US stocks, or other US-situs assets. Applies the Canada-US Tax Treaty prorated unified credit.
- Executor tools
Underused Housing Tax (UHT) exemption checker
Walks the federal UHT exemption tests for residential property owners and estate executors. Flags filing requirements and $5K-$10K penalty risk.
- Trusts
21-year trust deemed disposition forecaster
Project the capital gains tax a Canadian discretionary family trust will face at its 21-year anniversary under s.104(4) of the Income Tax Act.
- Executor tools
Estate liquidity forecaster
Will your executor have enough liquid cash to pay taxes, probate, funeral, debts, and executor fees? Spot liquidity gaps before they force asset sales.
- Tax
Final tax return (T1) estimator
Size the tax bill on the deceased's final tax return — regular income + RRSP inclusion + capital gains + charitable credits + spousal rollover scenarios.
- Tax
Capital gains at death calculator
Estimate capital gains tax on the deemed disposition at death under s.70(5). Includes spousal rollover and Lifetime Capital Gains Exemption.
- Tax
RRSP at death tax calculator
Size the tax on RRSP/RRIF inclusion in the final return using progressive Canadian brackets. Covers spousal rollover and successor annuitant.
- Tax
Cottage capital gains calculator
The principal residence exemption doesn't shelter the cottage. Estimate the tax bill on a family cottage at death — often a six-figure surprise.
- Executor tools
Executor compensation calculator
Estimate executor compensation under provincial Trustee Acts (~5% of estate). Adjusts for complexity, time, and care-and-management period.
- Planning
Life insurance needs calculator
DIME framework calculator — Debt + Income replacement + Mortgage + Education. Sizes your coverage gap based on actual family circumstances.
- Funeral planning
Funeral cost estimator
Estimate funeral costs by disposition method (direct cremation, traditional burial, green burial, aquamation) with provincial adjustments and add-on services.
- Planning
Estate net worth calculator
Sum your assets, subtract liabilities, see your estate's net worth. Flags liquid vs illiquid assets and the registered accounts that get taxed at death.
- Planning
How much could I leave behind?
Long-term estate projection — factors in growth assumptions, tax at death, probate, and final expenses. Shows what your family will actually inherit.