S&P 500 7,623.68 −0.52%
Nasdaq 25,955.34 −0.21%
S&P/TSX 35,788.18 −0.52%
Apple 347.73 −0.14%
Nvidia 210.96 −0.59%
Microsoft 524.51 +0.66%
Shopify 236.24 −0.07%
Royal Bank 281.77 −0.36%
CAD/USD 0.7141 −0.01%
CLOSED · 01:35 ET
Market ClerkRecap
Sat Oct 24 · markets closed6 signals on Oct 2394 insider buys this week · $48.3MCIRO short report next: Oct 30The week ahead
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Calculators

Eight calculators covering the decisions that actually move your net worth, growth, taxes, retirement, and timing. Every one shows its formula and its assumptions; nothing is a black box.

Grow

The compounding engine, and its close cousin, dividends reinvested instead of spent.

Compound Interest Calculator
See how starting amount, contributions, and time compound, with an optional withdrawal phase.
Dividend Income & DRIP Calculator
Project dividend income and the DRIP gap between reinvesting and taking cash.

Taxes & Accounts

What you actually keep after the IRS or the CRA take their share, and which account gets you there with the least handed over.

Capital Gains Tax Calculator
Estimate the tax on a stock or property sale. US or Canada, current-year brackets.
TFSA Contribution Room Calculator
Calculate cumulative TFSA room from your birth year and past contributions.
RRSP vs TFSA Calculator
Compare the after-tax outcome of an RRSP, TFSA, or FHSA for the same contribution.

Retirement

The number you’re saving toward, and the point where you’re allowed to ease off before you hit it.

Retirement Calculator
Find your nest egg at retirement and whether it covers your desired income. Social Security, CPP, and OAS included.
Coast FIRE Calculator
Find your coast number, the balance where you can stop saving and still retire on time.

Strategy

One real question about timing, answered with real closing prices instead of an assumed return.

DCA vs Lump Sum Backtest
Backtest dollar-cost-averaging against investing it all at once, on real market history.

Every number above is clean math on your own inputs, no crash, no lost decade, no lucky entry. For what a real stretch of market history actually did, run the same dollars through theTime Machine, then bring the answer back to theDCA vs Lump Sum Backtest above, which pulls from the same real closing prices. And every call this site makes, ours and the bot’s, is marked against the index in the open on The Board, the same way these calculators show their formula instead of hiding it.