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The GSH Financial Tools Hub
Forty-five calculators across three shelves: everyday tools built from our own client work, an institutional-grade set for finance students and quant-curious founders, and a personal-wealth set covering every province and territory in Canada.
Beyond Calculators
Need a full ledger, not just a calculator? Try GBooks Air, free.
Our own free bookkeeping app for Canadian small business, built and owned by GSH Financial.
Built directly from the questions our own clients ask us every month.
Salary vs. Dividend Optimizer
Compare total tax drag between a 100% salary strategy and an optimized salary/dividend split, by province.
Open the tool → Payroll & BookkeepingTrue Cost of an Employee
See the fully-loaded cost of a Canadian hire, CPP, EI, WCB/WSIB, benefits and overhead included.
Open the tool → Fractional CFOStartup Runway Simulator
Simulate your cash position forward and get a forecasted cash-out date based on burn and growth.
Open the tool → ComplianceCRA Late-Filing Penalty Meter
Estimate accrued penalties and prescribed interest on overdue T1 or T2 filings.
Open the tool → Business StructureIncorporation Modeler
Find the income level where incorporating starts beating staying a sole proprietor, over 5 years.
Open the tool → ValuationDCF Valuation Model
Project free cash flow and discount it back to an intrinsic share price, terminal value included.
Open the tool → Corporate FinanceCAPM Cost of Equity
Plot your asset on the Security Market Line and get its CAPM-implied cost of equity.
Open the tool → Asset FinancingLease vs. Buy Analyzer
Compare the NPV cost of leasing versus purchasing equipment, CCA tax shields included.
Open the tool → Debt StrategyFixed vs. Variable Debt Modeler
Model total lifetime interest under fixed versus variable rate structures across your amortization.
Open the tool → Corporate FinanceWACC Calculator
Blend your cost of equity and after-tax cost of debt into a single weighted average cost of capital.
Open the tool →These Are Estimates, Not Filings
Every tool here uses simplified, illustrative figures.
Tax brackets, CPP/EI rates and corporate rates change every year and vary by exact circumstance. These calculators are built to show you the shape of a decision, not to replace a filed return or a signed engagement letter.