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Calculators
To add these visual, interactive
calculators to your website,
call us at 1-800-592-4046 or send an email to sales@ativa.com.
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Select a Calculator Category
Market Volatility
TFSA (Tax-Free Savings Account)
Personal Finance
Retirement
Insurance
Investing
Education
Tax
Market Volatility Calculators
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Time to Recover from a Bear Market
This calculator lets you estimate the number of years needed to recover from a bear market using three comparative rates of return. |
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Diversification
and Bear Markets
This calculator shows how diversification would
have protected your portfolio during any of the
seven bear markets between 1968 and 2007. Compare
the performance of a diversified portfolio to one
made up of stocks only. |
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Diversification
and Bull Markets
This calculator shows how diversification would
have affected the growth of portfolios during any
complete bear/bull market cycle between 1968 and
2008. Compare the performance of a diversified portfolio
to one made up of stocks only. |
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Stocks - Long Holding Periods Reduce Risk
This series of charts shows how long holding periods
reduce the market risk of stocks. Trailing returns
by month for 1 month, 1, 3, 5, 10, 15, 20, 25 and
30 year holding periods are charted for the 74 years
between 1934 and 2007. |
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Stay Invested
This calculator shows the importance of staying invested in the market. It shows the investment performance of $10,000 fully invested versus the same investment that misses the best performing months of the stock market. |
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Portfolio
Growth - Historical Returns
This calculator
compares the growth of a diversified portfolio to
stocks, bonds and cash using historical rates of
return between 1934 and 2007. Returns can be adjusted
for inflation and management expense ratios (MERs). |
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Stocks
vs Bonds vs Cash
This calculator
compares the growth of stocks, bonds and cash using
historical rates of return between 1934 and 2007.
Returns can be adjusted for inflation and management
expense ratios (MERs). |
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Tax Free Savings Account (TFSA) Calculators
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TFSA vs 100% Interest Investment
This calculator compares the growth of a TFSA investment to a fully taxable investment that generates interest income only. |
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TFSA vs Diversified Investment
This calculator compares the growth of a TFSA investment to a taxable investment that generates equal portions of interest, eligible dividends and capital gains. |
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TFSA vs Taxable Investment
This calculator compares the growth of a TFSA investment to a taxable investment that can generate any portion of interest, eligible dividends and capital gains. The user can enter their own mix of interest, dividends or capital gains. |
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Personal Finance Calculators
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Net Worth
Getting a grasp on your real net worth is the first step in reorganizing and rebuilding your finances. |
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Cash Flow
Use the cash flow calculator to easily track all your income and expenses. |
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Reduce Spending
By reducing your spending a little bit on everyday items and investing it instead will provide you with a larger nest egg in the future. |
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Retirement Calculators
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Will
the Money Last?
Use
this calculator to show how long your money will
last if you make regular, annual withdrawals indexed
to inflation. |
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A
Tale of Two RRSPs
An RRSP is the single most effective tool available
to help Canadians save for retirement. This calculator
shows how five basic investing strategies can enhance
the growth of an RRSP. |
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Start Early in Life
The first step in making your RRSP savings grow is to start contributing early in your life. |
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Insurance Calculators
Investment Calculators
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Formula for Wealth
Change Time, Goal or Return to see how you can apply the Formula for Wealth to your own financial goals. |
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How to Become A Millionaire
See how much you need to invest to become a millionnaire. |
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Importance of Higher Returns
Earning the highest rate of return your risk tolerance will permit can make a dramatic difference on the future value of investments over the long term. |
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Savings Growth
Making regular contributions to a savings or investment account is one of the best ways to accumulate wealth. This calculator lets you estimate the future value of your savigns. |
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Cost of Procrastination
Procrastination costs money. Every year of delay reduces the potential value of your future savings. |
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Cost of Delay - Additional Savings Needed
The longer you wait to begin saving for retirement, the more you’ll have to save to accumulate the nest egg you’ll need. |
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Effect
of Inflation on Income
This calculator shows the effect of inflation on your future income needs. It lets you project an income need
in future dollars or in today's dollars. |
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Real Returns
Building real growth into your retirement savings requires paying attention to inflation and taxes and their negative effect on the rate of return being earned by the savings. |
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Education Calculators
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RESP Tax Shelter
See how tax sheltered growth in a Registered Education Savings Plan can build a post-secondary school education fund for your children. |
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CESG Grant
See how the Canada Education Savings Grant (CESG) can enhance the value of your RESP. |
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Cost of Delaying Education Funding
The earlier you start saving, the larger your education savings nest egg will be thanks to the magic of compounding. But delaying even a year or two can affect the total amount you can save. |
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Tax Calculators
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Tax Calculator
Estimate your tax bill based on your taxable income and the province you live in. |
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Taxes and Investment Income
There are three different types of investment income – interest, dividends and capital gains. When investing outside an RRSP, it’s important to understand how each of these is taxed. |
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