Investment Prioritizer
Find your investable surplus. This tool analyzes your income against average Canadian living costs and recommends a strategic priority waterfall for your money.
Recommended Strategy Waterfall
Estimated Living Costs
Based on 2026 StatCan averages for your household size.
The Tax Impact
Based on your tax bracket, maximizing your RRSP is prioritized to optimize tax refunds.
The Wealth Effect
If you invest your $1,450 surplus monthly at a 7% annual return, your portfolio could grow to:
Estimated before inflation adjustments
Calculation Methodology
Surplus is calculated as: Gross Income - (Est. Income Tax + CPP/EI) - Monthly Living Costs. Average expenses are derived from 2026 StatCan projections adjusted for household size and lifestyle intensity. The priority waterfall follows the 'Canadian Financial Order of Operations' benchmark. Portfolio growth assumes 7% nominal annual returns compounded monthly.