Educational purpose only. This simulator is a free, educational tool designed to help you visualize the general shape and direction of a financial plan over a lifetime. It is not a tax calculation engine, a certified financial plan, or a substitute for professional advice. Results are illustrative estimates based on simplified models and should not be relied upon for financial, tax, legal, or investment decisions.
Not tax software. The tax calculations in this simulator use simplified approximations based on current-year federal and Quebec tax brackets, credits, and contribution limits. They do not account for all deductions, credits, carryforwards, special situations, or changes in tax law over time. This tool cannot produce an accurate tax return and must not be used as one. For tax filing purposes, consult a licensed tax professional or use certified tax software approved by the CRA and Revenu Québec.
Not investment advice. The creator of this tool is not a licensed financial adviser, financial planner, investment adviser, or tax professional. Nothing on this site constitutes investment advice, financial planning recommendations, or a solicitation to buy or sell any financial product. Projections of investment returns, account growth, and retirement income are hypothetical and based on assumptions you provide — actual results will differ, sometimes significantly.
Seek professional advice. Before making any financial decisions — including contributions to registered accounts, retirement timing, or investment allocations — consult a Certified Financial Planner (CFP), a licensed investment adviser, and/or a professional tax advisor familiar with Quebec tax law. A qualified professional can assess your full personal situation in ways no general-purpose simulator can.
Quebec-specific assumptions. This simulator is built specifically for Quebec residents and applies Quebec provincial tax rates, RRQ (Régime des rentes du Québec), RQAP, and Quebec-specific benefits such as the Quebec Family Allowance and QESI. It may not accurately reflect the situation of residents of other Canadian provinces or individuals with complex cross-provincial or international tax situations.
No data collection. All data you enter stays in your browser's local storage. Nothing is transmitted to any server. Your financial inputs are private and not stored or shared.