The GSH Financial Tools Hub

Corporate & Personal Tax

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 & Bookkeeping

True 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 CFO

Startup Runway Simulator

Simulate your cash position forward and get a forecasted cash-out date based on burn and growth.

Open the tool → Compliance

CRA Late-Filing Penalty Meter

Estimate accrued penalties and prescribed interest on overdue T1 or T2 filings.

Open the tool → Business Structure

Incorporation Modeler

Find the income level where incorporating starts beating staying a sole proprietor, over 5 years.

Open the tool → Valuation

DCF Valuation Model

Project free cash flow and discount it back to an intrinsic share price, terminal value included.

Open the tool → Corporate Finance

CAPM Cost of Equity

Plot your asset on the Security Market Line and get its CAPM-implied cost of equity.

Open the tool → Asset Financing

Lease vs. Buy Analyzer

Compare the NPV cost of leasing versus purchasing equipment, CCA tax shields included.

Open the tool → Debt Strategy

Fixed vs. Variable Debt Modeler

Model total lifetime interest under fixed versus variable rate structures across your amortization.

Open the tool → Corporate Finance

WACC Calculator

Blend your cost of equity and after-tax cost of debt into a single weighted average cost of capital.

Open the tool → Budgeting

Budget Variance Waterfall Analyzer

See exactly which line items drove the gap between budget and actual, visualized as a bridge.

Open the tool → Financial Statements

Balance Sheet X-Ray Visualizer

See the full composition of a business's assets, liabilities, and equity broken down visually.

Open the tool → Franchise

Franchise Unit Economics Simulator

Model a single franchise location's full unit economics, royalties and marketing fund included.

Open the tool → Pricing Strategy

Pricing Elasticity & Revenue Optimization Simulator

Model how price changes move volume, revenue, and profit, and visually find the optimal price.

Open the tool → Payroll

Employer Cost Stack Visualizer

See the full stacked cost of an employee, wages through statutory and discretionary costs.

Open the tool → Financing

Loan Vs. Lease NPV Crossover Visualizer

See exactly where, over time, leasing becomes cheaper than borrowing to buy an asset.

Open the tool → Financing

Credit Approval Probability Simulator

See a modeled probability of loan approval on a live gauge as you adjust the borrower's profile.

Open the tool → Risk Analysis

Customer Concentration Risk Heat Map

Visualize revenue concentration across your top customers and how it's trending year over year.

Open the tool → Financial Analysis

Business Health Radar Dashboard

Score your business across liquidity, profitability, leverage, growth and efficiency on one radar chart.

Open the tool →

Advanced Canadian Tax

SR&ED Tax Credit Estimator

Federal + provincial refundable credit estimate from qualifying R&D wages, proxy method included.

Open the tool → SaaS & Venture Metrics

SaaS Unit Economics & LTV:CAC

LTV, CAC payback period and cohort retention curves for a subscription business.

Open the tool → Advanced Canadian Tax

Passive Income Tax Drag Simulator

The $50K-$150K small business deduction clawback cliff, modeled precisely.

Open the tool → Advanced Canadian Tax

AMT Capital Gains Risk Advisor

Estimate Alternative Minimum Tax exposure before you realize a large capital gain.

Open the tool → Derivatives & Academic Finance

Black-Scholes-Merton Pricing Engine

Live call/put pricing with the full Greeks: delta, gamma, vega, theta, rho.

Open the tool → Academic Corporate Finance

Modigliani-Miller Simulator

Proposition I and II, with and without taxes, visualized live as leverage scales.

Open the tool → Capital Budgeting

NPV & IRR Capital Investment Ranker

Full NPV profile curve, IRR solved numerically, and simple payback period.

Open the tool → Business Valuation

Business Valuation Matrix

EBITDA multiple, discounted earnings and asset-backed methods, triangulated into one range.

Open the tool → Fixed Income & Academic Finance

Bond Pricing, Duration & Convexity Calculator

Price a bond from its coupon and yield, then see Macaulay duration, modified duration and convexity together.

Open the tool → Portfolio Theory

Efficient Frontier Portfolio Optimizer

Two-asset Modern Portfolio Theory, swept across every weighting to find where the risk-return frontier bends.

Open the tool → M&A & Corporate Finance

M&A Accretion / Dilution Analyzer

Model whether an acquisition grows or shrinks the acquirer's EPS once financing and synergies are priced in.

Open the tool → Risk Management

Value at Risk & Risk-Adjusted Return Calculator

Parametric VaR, conditional VaR, Sharpe and Sortino ratios for a portfolio, at your chosen confidence level.

Open the tool → Portfolio Construction & Tail Risk

CVaR Portfolio Optimization Engine (Rockafellar-Uryasev)

Build the portfolio that minimizes Conditional Value-at-Risk, not variance, verified against an exact linear program.

Open the tool → Multivariate Volatility & Correlation Modeling

DCC-GARCH Dynamic Conditional Correlation Engine

Simulate two GARCH return series linked by Engle's Dynamic Conditional Correlation process and watch correlation spike during volatility clusters.

Open the tool → Real-Time Portfolio Risk Monitoring

Live Multi-Asset Risk Cockpit

A ticking, auto-refreshing dashboard computing rolling VaR, CVaR and correlation on a clearly-labeled simulated real-time market feed.

Open the tool → Credit Risk & Financial Distress

Altman Z-Score Credit Risk Analyzer

The classic bankruptcy-prediction model, public or private company version, scored from five key ratios.

Open the tool → Venture & Startup Equity

Cap Table & Equity Dilution Modeler

Walk a founder's ownership through Seed, Series A and Series B, option pool top-ups included.

Open the tool → Derivatives & Academic Finance

Options Strategy Payoff Visualizer

Profit-and-loss diagrams at expiration for spreads, straddles, collars and four other standard strategies.

Open the tool → International Finance & Currency Risk

FX Forward Rate & Currency Hedging Calculator

Price a forward exchange rate from interest rate parity, then compare hedged and unhedged outcomes.

Open the tool → Capital Budgeting & Academic Finance

Real Options Valuation Calculator

Value the option to expand, abandon or delay a project on a binomial lattice, flexibility has a price.

Open the tool → Corporate Finance & Strategic Investment

Multi-Stage Compound Real Options Decision Lattice

Value a two-stage sequential investment, an option on an option, by binomial lattice, cross-checked against Geske's closed-form solution.

Open the tool → Special Situations & Academic Finance

Merger Arbitrage Spread Calculator

Turn an offer price and trading price into an annualized return and the market's implied odds of closing.

Open the tool → Performance Measurement

Economic Value Added (EVA) Calculator

See whether a business clears its cost of capital, not just whether it's profitable on paper.

Open the tool → Managerial Accounting

Break-Even & Contribution Margin Analyzer

Find break-even volume, margin of safety and operating leverage from price and cost alone.

Open the tool → Operations & Inventory

Economic Order Quantity (EOQ) Calculator

Find the order size that minimizes ordering plus holding cost, and your reorder point too.

Open the tool → Multi-Province Sales Tax

Multi-Province Sales Tax Nexus Calculator

Find out which provinces you've crossed the economic nexus threshold in, BC, Saskatchewan, Manitoba and Quebec each run their own system.

Open the tool → Corporate Tax Optimization

Passive Income Grind Zone Tracker

Project forward to the year your CCPC's passive income starts grinding down the $500,000 small business deduction.

Open the tool → Corporate Structuring

HoldCo vs. OpCo Architect

Model whether a holding company can safely sweep excess cash out of your operating company, tax-free.

Open the tool → Corporate Tax Optimization

Capital Dividend Account Maximizer

Log a capital gain and see exactly what flows tax-free into your CDA, with a Form T2054 filing checklist.

Open the tool → Corporate Tax Optimization

Shareholder Loan Repayment Tracker

Track the section 15(2) repayment deadline and the taxable benefit on a below-prescribed-rate loan.

Open the tool → Corporate Tax Optimization

Associated Corporations SBD Allocation Optimizer

Split the $500,000 small business deduction across associated corporations without wasting any of it.

Open the tool → Corporate Structuring & Succession

Estate Freeze Calculator

Model a classic estate freeze and see how much future growth shifts to the next generation, tax-deferred.

Open the tool → Corporate Tax Optimization

RDTOH & Dividend Refund Tracker

Track your refundable dividend tax on hand balance and calculate the refund a taxable dividend actually triggers.

Open the tool → M&A & Capital Structure

Leveraged Buyout (LBO) Return Modeler

Model acquiring a business with debt financing and project the equity IRR and MOIC over your hold period.

Open the tool → Corporate Tax Optimization

Safe Income Calculator

Compute the safe income on hand that shelters an inter-corporate dividend from Section 55(2) recharacterization.

Open the tool → Corporate Structuring

Butterfly Reorganization Calculator

Check the proportionate distribution test for splitting a corporation's assets among shareholders tax-deferred.

Open the tool → Capital Structure & Lender Relations

Debt Covenant Compliance Dashboard

Check your leverage, interest coverage and current ratio against typical commercial credit covenant thresholds.

Open the tool → Derivatives & Academic Finance

Convertible Debenture Valuation Tool

Value a convertible as a straight bond plus an embedded call option, and see the conversion premium.

Open the tool → Corporate Structuring

Section 85 Rollover Elected Amount Calculator

Choose the elected amount on an incorporation rollover and see the deferred gain and resulting share ACB.

Open the tool → Corporate Tax Optimization

Tax Loss Carryforward & Carryback Optimizer

Model a non-capital loss carried back three years for an immediate refund, with the remainder carried forward.

Open the tool → M&A & Succession

Vendor Take-Back Note & Capital Gains Reserve Calculator

Structure seller financing on a business sale and model the capital gains reserve that spreads the tax.

Open the tool → Corporate & Personal Tax

Interest Deductibility Tracing Tool

Trace borrowed funds through the direct use test to determine whether interest is actually deductible.

Open the tool → M&A & Capital Structure

Management Buyout (MBO) Financing Structure Modeler

Model a management buyout's senior debt, vendor note and management equity, and the resulting returns.

Open the tool → Valuation & M&A

Professional Practice Goodwill Valuation Tool

Value a medical, dental, legal or accounting practice using a normalized earnings multiple.

Open the tool → Income Splitting & Anti-Avoidance

Corporate Attribution Rule (Section 74.4) Calculator

Calculate the deemed interest benefit on property transferred to a corporation for a spouse or minor child.

Open the tool → Corporate Tax Optimization

Share Buyback vs. Dividend Tax Comparator

Compare the after-tax outcome of a share redemption against a straight dividend of the same amount.

Open the tool → Sales Tax · Small Business

GST/HST Quick Method Election Calculator

Compare the CRA's flat Quick Method rate against the regular method to see which one actually saves you money.

Open the tool → Finance Fundamentals

Time Value Of Money Calculator

Solve for present value, future value, or payment on any lump sum or annuity, the foundation behind every other tool.

Open the tool → Capital Budgeting

Payback Period & Discounted Payback Calculator

Find out how many years it actually takes an investment to pay for itself, both raw and properly discounted.

Open the tool → Financial Statement Analysis

Financial Ratio Analysis Dashboard

Enter your financial statements once and get every major liquidity, leverage, profitability and efficiency ratio.

Open the tool → Small Business Financing

Line Of Credit vs. Term Loan Comparator

Compare the real cost of a revolving line of credit against a fixed term loan for the same financing need.

Open the tool → Borrowing & Financing

Loan APR & Effective Interest Rate Calculator

Find the true effective annual cost of a loan once upfront fees are folded into the stated interest rate.

Open the tool → Workforce Planning

Contractor vs. Employee True Cost Comparator

Compare the fully-loaded cost of a contractor against an employee, including risk-adjusted reclassification cost.

Open the tool → SaaS & Subscription Metrics

Rule Of 40 SaaS Health Check Calculator

Check your subscription business against the classic benchmark balancing growth rate against profitability.

Open the tool → Corporate & Personal Tax Compliance

Capital Cost Allowance (CCA) Calculator

Calculate CCA by class with the half-year rule applied correctly, and track UCC forward year over year.

Open the tool → Payroll & Shareholder Compliance

Automobile Taxable Benefit Calculator

Calculate the standby charge and operating expense benefit for an employer-provided vehicle at current CRA rates.

Open the tool → Compliance & Cash Flow Planning

Personal & Corporate Tax Instalment Calculator

Determine whether quarterly instalments are required and calculate the amount due under the prior-year method.

Open the tool → T2 Corporate Tax Preparation

Net Income To Taxable Income Reconciliation Tool

Reconcile accounting net income to taxable income for a T2 return, the Schedule 1 adjustments in one place.

Open the tool → Corporate & Shareholder Tax

Shareholder Benefit (Section 15(1)) Calculator

Calculate the taxable benefit when a corporation confers a benefit on a shareholder below fair market value.

Open the tool → Corporate Tax Compliance

Associated Corporations Determination Tool

Check whether corporations are associated for small business deduction sharing based on common control.

Open the tool → Cross-Border Tax Compliance

Non-Resident Withholding Tax (Part XIII) Calculator

Calculate Canadian withholding tax on payments to non-residents and see the savings a treaty rate provides.

Open the tool → LCGE & Succession Planning

QSBC Share Qualification Test Calculator

Check whether shares meet the 90% and 50% active asset tests required to qualify for the LCGE.

Open the tool → Income Splitting & Anti-Avoidance

Tax On Split Income (TOSI) Calculator

Check whether a dividend to a family member is caught by TOSI or qualifies for a common exclusion.

Open the tool → Executive & Employee Compensation

Employee Stock Option Benefit Calculator

Calculate the taxable benefit on exercising stock options and the portion eligible for the 50% deduction.

Open the tool → Trust & Estate Planning

21-Year Trust Deemed Disposition Calculator

Project a family trust's tax liability at its next 21-year anniversary and model distributing assets first.

Open the tool → Real Estate & Sales Tax

GST/HST Change-In-Use Self-Assessment Calculator

Calculate the GST/HST self-assessment triggered when a property changes between commercial and personal use.

Open the tool → Compliance & Interest Costs

Corporate Instalment Interest & Penalty Calculator

Calculate the arrears interest owing on a late or insufficient corporate tax instalment at the current CRA rate.

Open the tool → Real Estate Development & Sales Tax

GST/HST Builder Self-Supply Calculator

Calculate the GST/HST a builder-landlord must self-assess on newly completed rental property.

Open the tool → Corporate Tax Optimization

GRIP & Eligible Dividend Designation Calculator

Track the General Rate Income Pool and calculate how much of a dividend can be designated eligible.

Open the tool → Finance Fundamentals

RPN Financial Calculator

A browser-based tribute to the classic pocket calculators finance never retired, full time-value-of-money solving.

Open the tool → Payroll Compliance

Payroll Remitter Frequency Calculator

Determine your CRA remitter type and remittance due dates from your average monthly withholding amount.

Open the tool → Exit Modeling

Cap Table Exit Waterfall Simulator

See exactly how exit proceeds distribute across preferred, common, and option holders at any sale price.

Open the tool → Valuation

Business Valuation Football Field Chart

Compare a valuation range across DCF, comparable multiples, and precedent transactions on one visual chart.

Open the tool → SaaS Metrics

SaaS Cohort Retention & LTV Curve Visualizer

Model customer cohort retention decay and the resulting lifetime value curve, month by month.

Open the tool → HR & Compensation

Compensation Benchmarking Visualizer

See where a role's pay actually sits against market bands, visualized on a percentile scale.

Open the tool → Working Capital

Cash Conversion Cycle Bridge Visualizer

See exactly how DSO, DIO, and DPO combine into your cash conversion cycle on one visual bridge.

Open the tool → Derivatives

Multi-Leg Options Payoff Diagram Builder

Build a multi-leg options strategy and see the full profit-and-loss curve at expiration.

Open the tool → Fixed Income

Bond Ladder Visualizer

Visualize a bond ladder's maturity schedule, coupon income, and reinvestment timing year by year.

Open the tool → M&A

M&A Synergy Realization Waterfall

Visualize how projected merger synergies actually convert into EBITDA over the integration timeline.

Open the tool → Credit Risk

Debt Capacity & Leverage Stress Simulator

Stress-test how much debt a business can safely carry against a downside revenue and rate scenario.

Open the tool → Real Estate

Real Estate Development Pro Forma Waterfall

Visualize a development's full sources and uses of capital and the resulting return waterfall by tranche.

Open the tool → Cross-Border

FX Exposure Heat Map

See currency exposure concentration across time buckets and currencies on one visual heat map.

Open the tool → Corporate Tax

CCA Depreciation Schedule Visualizer

Visualize how a CCA class's undepreciated capital cost declines year over year under the half-year rule.

Open the tool → Financial Analysis

Revenue Bridge Waterfall Visualizer

Decompose year-over-year revenue change into organic growth, pricing, FX, acquisitions, and churn.

Open the tool → Capital Budgeting

Multi-Project Payback Period Comparator

Compare two capital projects side by side on cumulative cash flow and see which pays back first.

Open the tool → Operational Finance

Break-Even Step Cost Timeline Visualizer

See exactly how break-even volume shifts when a step fixed cost, like a new hire, actually kicks in.

Open the tool → Cap Table

Cap Table Dilution Waterfall Simulator

Model how founder and investor ownership dilutes across multiple funding rounds with a live waterfall.

Open the tool → M&A

M&A Accretion/Dilution Bridge Visualizer

See exactly how an acquisition bridges from acquirer standalone EPS to pro forma combined EPS.

Open the tool → Financial Analysis

Sensitivity Tornado Analyzer

Identify which assumptions actually move your outcome most with a live tornado sensitivity chart.

Open the tool → Portfolio Theory

Black-Litterman Portfolio Optimizer

Blend market equilibrium returns with your own views using Bayesian updating, and see the resulting optimal weights.

Open the tool → Derivatives Pricing

Binomial Option Pricing Lattice

Build a full Cox-Ross-Rubinstein price lattice with visible early-exercise boundaries for American options.

Open the tool → Credit Risk

Merton Structural Credit Risk Model

Solve the Merton model's two equations to back out implied asset value and market-based default probability.

Open the tool → Fixed Income Econometrics

Nelson-Siegel Yield Curve Calibrator

Fit level, slope, and curvature factors to observed yields and visualize the smooth calibrated curve.

Open the tool → Fixed Income Risk Management

Yield Curve Principal Component Risk Factor & DV01 Decomposition Engine

Decompose yield curve changes into level, slope and curvature factors by real eigendecomposition, and map them onto a DV01 risk budget.

Open the tool → Time Series Econometrics

GARCH(1,1) Volatility Clustering Estimator

Model volatility clustering and the correct multi-step mean-reversion forecast after a market shock.

Open the tool → Empirical Asset Pricing

Fama-French Three-Factor Regression Estimator

Simulate true factor exposures and see how precisely OLS regression recovers them from noisy data.

Open the tool → Forensic Accounting

Beneish M-Score Earnings Manipulation Detector

Screen eight financial ratios for the accounting distortions associated with earnings manipulation.

Open the tool → Fundamental Analysis

Piotroski F-Score Fundamental Strength Screener

Score nine binary profitability, leverage, and efficiency signals into a single fundamental strength score.

Open the tool → Stochastic Processes

Ornstein-Uhlenbeck Mean-Reversion Calibrator

Calibrate a mean-reverting process to a simulated path and see genuine estimation noise firsthand.

Open the tool → Derivatives Risk

Option Greeks Surface Visualizer

See Delta, Gamma, Theta, and Vega across a full grid of strikes and times to expiration at once.

Open the tool → Fixed Income Portfolio Mgmt

Duration-Convexity Bond Immunization Optimizer

Solve the exact barbell weights that immunize a liability against parallel yield curve shifts.

Open the tool → Credit Portfolio Risk

Credit Migration Matrix Simulator

Project a portfolio's rating distribution forward as a genuine Markov chain, including cumulative default.

Open the tool → Corporate Finance Theory

Trade-Off Theory Optimal Capital Structure Model

Find the value-maximizing debt level balancing the tax shield against rising expected distress costs.

Open the tool → Corporate Valuation

Monte Carlo DCF: Stochastic Valuation

Run a full DCF valuation with WACC and growth uncertainty simulated across a thousand paths.

Open the tool → Accounting Earnings Quality

Modified Jones Model Discretionary Accruals Estimator

Estimate discretionary versus non-discretionary accruals using the academic standard for measuring earnings management.

Open the tool → Financial Reporting & Valuation

Goodwill Impairment Testing Model (ASC 350)

Build a full value-in-use DCF and run the quantitative goodwill impairment test, correctly capped at the goodwill balance.

Open the tool → Pension & Benefits Accounting

Net Periodic Pension Cost Model (ASC 715)

Build the full pension expense from service cost through corridor-approach actuarial gain and loss amortization.

Open the tool → Lease Accounting

Lease Classification & ROU Amortization Model (ASC 842)

Classify a lease as finance or operating, then build the full right-of-use asset and liability amortization schedule.

Open the tool → Income Tax Accounting

Deferred Tax Valuation Allowance Model (ASC 740)

Apply the four sources of taxable income test to determine the required valuation allowance against deferred tax assets.

Open the tool → Forensic Accounting

Benford's Law Forensic Digit-Distribution Analyzer

Screen a transaction population against Benford's Law and score conformity with Nigrini's MAD bands and a per-digit significance test.

Open the tool → Audit & Assurance

Audit Sampling & Monetary Unit Sampling (MUS) Calculator

Solve AICPA-style reliability factors directly from the Poisson distribution and compute the Upper Misstatement Limit.

Open the tool → Financial Instruments Accounting

IFRS 9 Expected Credit Loss (ECL) Staging & Overlay Modeler

Stage an exposure automatically and blend forward-looking macro scenarios into a single 12-month or lifetime ECL provision.

Open the tool → Insurance Contract Accounting

IFRS 17 Contractual Service Margin (CSM) Roll-Forward Modeler

Roll an insurance contract group's CSM forward one period and see exactly when it becomes an onerous-contract loss instead.

Open the tool → Bank Regulatory Capital

Basel III Capital Adequacy & Risk-Weighted Assets Calculator

Compute CET1, Tier 1, Total Capital, Leverage and LCR against OSFI's Basel III minimums, buffers included.

Open the tool → Business Combinations

Business Combination Purchase Price Allocation & Consolidation Modeler

Build the fair value of identifiable net assets and derive goodwill or a bargain purchase gain under IFRS 3's full or partial method.

Open the tool → Multinational Consolidation

Foreign Currency Translation & CTA Modeler

Translate a foreign subsidiary under the current rate or temporal method and see whether the plug lands in OCI or net income.

Open the tool → Derivatives & Hedge Accounting

Interest Rate Swap Valuation & Hedge Effectiveness Tester

Value both swap legs, compute DV01, and run a dollar-offset hedge effectiveness test against a matching exposure.

Open the tool → Structured Finance

Securitization Tranche Waterfall & Credit Enhancement Modeler

Allocate collateral losses from equity up through senior, and stress the capital structure across default scenarios.

Open the tool → Actuarial & Pension ALM

Pension Funding Stress-Test & Longevity/Discount-Rate Risk Simulator

Stress a DB plan's funded status against combined rate, equity and longevity shocks, and see what LDI hedging actually buys you.

Open the tool → Cost Accounting

Standard Costing Variance Decomposition & SPC Analyzer

Split cost variance into price, quantity, rate and efficiency, then run a control chart to separate signal from noise.

Open the tool → International Tax

Transfer Pricing Arm's-Length Range & BEPS Risk Modeler

Build an interquartile arm's-length range from comparables and score a related-party transaction's documentation risk.

Open the tool → Credit Risk Research

Multi-Model Bankruptcy & Going-Concern Prediction Comparator

Score one company against Altman, Zmijewski, Springate and Ohlson at once and see exactly where they agree or disagree.

Open the tool → Capital Markets Research

Event Study Abnormal Return & Market Model Significance Tester

Compute cumulative abnormal returns against the market model and test statistical significance, MacKinlay-style.

Open the tool → Time Series Econometrics

Cointegration & Structural Break Econometric Tester

Run the full Engle-Granger test on a simulated pair and see how an undetected break can mask real cointegration.

Open the tool → Time Series Econometrics & Regime Detection

Hidden Markov Regime-Switching Market Detector

Fit a two-state Gaussian HMM by Baum-Welch EM and decode the most likely bull/bear regime path with the Viterbi algorithm.

Open the tool → Time Series Econometrics & Signal Extraction

Kalman Filter State-Space Trend Extraction Engine

Run the exact Kalman filter and RTS smoother on a noisy hidden-trend process, with the Gaussian log-likelihood computed live.

Open the tool → Market Risk Model Validation

VaR Backtesting & Basel Traffic-Light Model Validation Lab

Run Kupiec's test on a VaR model's exceptions and place it on the Basel Committee's capital multiplier scale.

Open the tool → Extreme Value Theory

Extreme Value Theory Tail Risk & Expected Shortfall Estimator

Fit a Generalized Pareto Distribution to tail exceedances and see exactly how far a Normal assumption understates risk.

Open the tool → Enterprise Risk & Credit

Macroeconomic Scenario Stress-Testing Engine for Corporate Balance Sheets

Flex revenue, margin and interest expense under CCAR-style scenarios and check the result against debt covenants.

Open the tool → Integrated Financial Modeling

Integrated Three-Statement Financial Model & Debt Schedule Engine

A fully linked income statement, balance sheet and cash flow model with a live revolver and iterative circularity solving, driven by nearly thirty assumptions.

Open the tool → Term Structure & Fixed Income Derivatives

Short-Rate Term Structure Model Suite: Vasicek, CIR & Hull-White

Calibrate and compare three short-rate models side by side, with full Monte Carlo simulation, curve fitting, and closed-form bond option pricing.

Open the tool → Fixed Income & FX Volatility Modeling

SABR Stochastic-Alpha-Beta-Rho Volatility Smile & Swaption Engine

Generate the swaption or FX implied volatility smile using Hagan's closed-form SABR expansion, the industry-standard model for rates and FX.

Open the tool → Bank Regulatory Capital & Portfolio Credit Risk

Basel IRB Risk-Weight Function & Portfolio Economic Capital Engine

Compute the exact Vasicek ASRF capital formula and simulate a correlated-default portfolio to reveal the granularity gap in regulatory capital.

Open the tool → Institutional Asset Management

Portfolio Performance Attribution & Multi-Factor Risk Decomposition Engine

Run a full Brinson-Fachler sector attribution and a six-factor Barra-style risk decomposition on the same portfolio.

Open the tool → Derivatives Pricing & Volatility Modeling

Volatility Surface Calibration (SVI) & Exotic Derivatives Monte Carlo Pricing Engine

Build a full SVI implied volatility surface across four maturities and price vanilla, Asian, barrier and lookback options against it.

Open the tool → Derivatives Pricing & Jump Risk

Merton Jump-Diffusion Option Pricing & Fat-Tail Smile Engine

Price options under Merton's jump-diffusion model and see exactly how jump risk builds a volatility smile that pure diffusion cannot.

Open the tool → Exotic Derivatives & Simulation Methods

Exotic Path-Dependent Option Monte Carlo Pricer

Price Asian, barrier and lookback options by Monte Carlo with real variance-reduction techniques, benchmarked against closed-form solutions.

Open the tool → Derivatives Pricing & Volatility Modeling

Heston Stochastic Volatility Option Pricing & Smile Engine

Price options under stochastic volatility with the semi-closed-form characteristic function, and watch the implied volatility smile respond to every parameter.

Open the tool → Project & Infrastructure Finance

Project Finance Debt Sizing & Cash Flow Waterfall Engine

Size senior debt to a constant target DSCR the way an infrastructure lender actually does, with a closed-form debt capacity solve, IDC capitalization, DSRA logic and a full equity IRR.

Open the tool → Actuarial Science & Life Contingencies

Actuarial Life Contingencies & Reserve Calculation Engine

Derive survival probabilities from a Gompertz-Makeham mortality law and compute net level premiums and reserves for whole life, term and endowment insurance.

Open the tool → Property & Casualty Actuarial Reserving

P&C Loss Reserving: Chain-Ladder & Bornhuetter-Ferguson Development Engine

Build a loss development triangle and run Chain-Ladder and Bornhuetter-Ferguson reserving side by side, with an independently adjustable a priori loss ratio.

Open the tool → Actuarial Science & Insurance Product Valuation

Variable Annuity GMWB Guarantee Monte Carlo Pricing Engine

Price the embedded Guaranteed Minimum Withdrawal Benefit inside a variable annuity as the path-dependent option it actually is.

Open the tool → Actuarial Science & Longevity Risk

Lee-Carter Stochastic Mortality Projection Engine

Fit the benchmark stochastic mortality model by SVD and project life expectancy at 65 with genuine uncertainty bands.

Open the tool → Copula Theory & Multivariate Risk

Copula-Based Multi-Asset Tail Dependence & Correlation Breakdown Model

Simulate Gaussian and Student-t dependence structures at identical correlation and see exactly why "correlations go to one in a crash" only happens under one of them.

Open the tool → Institutional Asset-Liability Management

Liability-Driven Investment (LDI) Glide Path & Strategic Asset Allocation Optimizer

Blend four asset classes into growth and liability-hedging buckets and design a funded-status-triggered de-risking glide path.

Open the tool → Numerical Methods & American Option Pricing

American Option Pricing Via Longstaff-Schwartz Least-Squares Monte Carlo

Price American puts and calls with the regression-based Monte Carlo method that scales where lattices cannot, with an estimated early exercise boundary.

Open the tool → Market Microstructure & Optimal Execution

Optimal Trade Execution: The Almgren-Chriss Market Impact Model

Derive the mathematically optimal trading trajectory for liquidating a large position, balancing market impact against timing risk.

Open the tool → Systemic Risk & Macroprudential Finance

Systemic Risk Contribution Model: CoVaR & SRISK

Rank four institutions by CoVaR, Marginal Expected Shortfall and SRISK, the post-2008 academic measures of true systemic footprint.

Open the tool → Structured Fixed Income & Mortgage Analytics

Mortgage-Backed Security Prepayment & Option-Adjusted Spread (OAS) Model

Build a PSA prepayment curve, simulate a full Vasicek short-rate model across hundreds of paths, and solve for the OAS behind a mortgage bond's price.

Open the tool → Share-Based Payment Accounting & Valuation

Employee Stock Option Fair Value Model Under ASC 718 (Hull-White Enhanced Model)

Simulate vesting, suboptimal early exercise and employee turnover to derive the grant-date fair value ASC 718 and IFRS 2 actually require.

Open the tool →

Homeownership & Mortgages

Mortgage Amortization & Refinance Calculator

See your real amortization curve, what extra payments actually save, and whether refinancing pays for itself.

Open the tool → Real Estate Investing

Real Estate Investment Analyzer

Cap rate, cash-on-cash return and a full-hold IRR for a rental property, financing and exit costs included.

Open the tool → Retirement Planning

Retirement Drawdown Monte Carlo Simulator

Run 500 randomized market paths against your withdrawal plan and see the actual odds it lasts.

Open the tool → Registered Accounts

RRSP vs. TFSA Optimizer

Compare after-tax outcomes when your tax rate today differs from your tax rate in retirement.

Open the tool → Personal Income Tax · All Provinces

Take-Home Pay Calculator

See your real net paycheque after tax, CPP and EI, in any Canadian province or territory.

Open the tool → Real Estate · All Provinces

Land Transfer Tax Calculator

From $0 in Alberta to tens of thousands in Toronto, calculate the real closing tax on a home purchase.

Open the tool → Sales Tax · All Provinces

GST, HST & PST Sales Tax Calculator

Add or extract GST, HST, PST or QST for any province, and compare every rate side by side.

Open the tool → Retirement Planning

CPP & OAS Retirement Benefit Estimator

Estimate your CPP and OAS monthly income at any start age, with the OAS clawback modeled in.

Open the tool → Estate Planning · All Provinces

Probate Fee & Estate Settlement Calculator

From Alberta's flat fee to Nova Scotia's sliding scale, estimate probate costs in any province.

Open the tool → Personal Debt Strategy

Debt Snowball vs. Avalanche Planner

Compare two payoff strategies across multiple debts and see the real difference in interest paid.

Open the tool → Registered Accounts · Family Savings

RESP & CESG Grant Optimizer

See how much free government grant money a contribution schedule actually captures by age 18.

Open the tool → Insurance Planning

Life Insurance Needs Calculator

The DIME method: debt, income replacement, mortgage and education, minus what you already have.

Open the tool → Retirement Decumulation

RRIF Minimum Withdrawal Calculator

Project a RRIF balance against Canada's prescribed minimum withdrawal schedule from age 71 on.

Open the tool → Employment Law

Severance Pay & Reasonable Notice Estimator

An educational estimate of common law notice using the classic Bardal factors, well above the statutory floor.

Open the tool → Retirement Planning

IPP vs. RRSP Comparator

Compare Individual Pension Plan room against RRSP room by age for an incorporated owner.

Open the tool → Income Splitting

Prescribed Rate Family Loan Calculator

Model an income-splitting loan to a spouse at the CRA prescribed rate and find your break-even return.

Open the tool → Retirement & Corporate Insurance

Corporate-Owned Life Insurance Retirement Funding Modeler

Model using a corporate policy's cash value to fund retirement income through a collateral loan.

Open the tool → Succession Planning

Intergenerational Business Transfer Calculator

Model a genuine transfer to the next generation under current rules and the tax saved versus a dividend.

Open the tool → Finance Fundamentals

Compound Interest & Rule Of 72 Calculator

See how compounding actually grows your money over time, and how long it takes to double.

Open the tool → Finance Fundamentals

Inflation & Purchasing Power Calculator

See what today's money will really be worth in the future, or what you'd need to match it years from now.

Open the tool → Employee & Self-Employed Deductions

Home Office Expense Deduction Calculator

Calculate the eligible home office deduction for an employee or self-employed individual, area and time-use both.

Open the tool → Personal Tax · Real Estate

Principal Residence Exemption Calculator

Calculate the taxable portion of a gain when a property was only a principal residence for part of the years owned.

Open the tool → Personal Tax Credits

Charitable Donation Tax Credit Calculator

Calculate the combined federal and provincial credit for donations, including the higher rate above $200.

Open the tool → Estate & Terminal Return Planning

Deemed Disposition At Death Calculator

Calculate the terminal return tax liability from the deemed disposition of capital property at death.

Open the tool → Real Estate & Sales Tax

GST/HST New Housing Rebate Calculator

Calculate the federal and Ontario provincial rebate for a newly built or substantially renovated home.

Open the tool → Registered Accounts · First-Time Home Buyers

FHSA Contribution & Tax Savings Calculator

Calculate First Home Savings Account contribution room, carryforward, and the tax deduction it generates.

Open the tool → Registered Accounts · First-Time Home Buyers

RRSP Home Buyers' Plan Withdrawal & Repayment Calculator

Calculate the HBP repayment schedule, minimum annual payment, and the tax cost of missing one.

Open the tool → Registered Accounts · Disability Planning

RDSP Grant & Bond Calculator

Calculate the Canada Disability Savings Grant and Bond a contribution generates, at current 2026 thresholds.

Open the tool → Income Splitting & Family Tax Planning

Attribution Rules For Loans & Gifts To A Minor Child Calculator

Calculate the income attributed back to a parent under the minor child rules, and the gains that are not.

Open the tool → Retirement Planning

Monte Carlo Retirement Simulator

Run thousands of simulated market paths against your retirement plan and see the probability band of outcomes.

Open the tool → Personal Tax

Marginal Vs. Effective Tax Rate Visualizer

See the real difference between your marginal and effective tax rate, visualized across every bracket.

Open the tool → Real Estate

Real Estate Cap Rate & Deal Heat Map

Compare a property's return across a range of purchase prices and down payments on one heat map.

Open the tool → Debt & Mortgages

Loan Amortization Visual Explorer

Visualize a loan's full amortization schedule, principal vs interest over time, and extra payment impact.

Open the tool →