Advisor Copilot — Free Financial Tools for Canadian Advisors
AI-powered knowledge copilot and 23+ free calculators for financial advisors in Canada.
Free Financial Calculators & Tools
RRSP Optimizer
— Find the optimal RRSP contribution to maximize your tax refund
RRIF Minimum Withdrawal Calculator
— Calculate mandatory RRIF withdrawals by age
CPP/QPP Calculator
— Estimate Canada Pension Plan benefits and optimal start age
OAS Clawback Calculator
— Calculate Old Age Security clawback for individuals and couples
GIS Calculator
— Estimate Guaranteed Income Supplement eligibility and amount
Dividend Tax Credit Calculator
— Compare eligible vs non-eligible dividend tax treatment
Income Tax Calculator
— Canadian take-home pay calculator for all provinces
Reverse Tax Calculator
— Find the gross income needed to hit a target net amount
Capital Gains Tax Calculator
— Calculate capital gains inclusion and tax owing
Compound Growth Calculator
— Project investment growth with compound interest
Withdrawal Optimizer
— Optimize RRSP/RRIF/TFSA withdrawal sequencing
Pension Income Splitting
— Calculate tax savings from splitting pension income
Estate Tax Estimator
— Estimate deemed disposition taxes and probate fees
RESP Optimizer
— Maximize CESG grants and RESP contribution strategy
Fee Impact Comparison
— Compare MER impact on long-term portfolio growth
Retirement Income Layering
— Layer CPP, OAS, RRIF, and TFSA income sources
Smith Manoeuvre Calculator
— Calculate tax-deductible mortgage interest conversion
Commission Calculator
— Calculate advisor trailer and upfront commissions
Portfolio Rebalancing Calculator
— Calculate trades to rebalance to target allocation
Planning Triggers
— Age-based financial planning triggers and deadlines
Follow-Up Email Generator
— Generate professional client follow-up emails
Meeting Agenda Builder
— Create structured client meeting agendas
Objection Playbook
— Responses to common client objections
Family Tree Visualizer
— Map client family relationships for estate planning
Suitability Note Generator
— Generate CIRO-compliant suitability documentation