Steward WellAdvisory
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Calculators

Simple tools for clearer thinking

Use these calculators to explore your numbers and prepare for a conversation. They’re illustrations to help you think, not advice or projections.

Monthly cash flow snapshot

See where your monthly take-home pay goes, and how much margin you have for saving and giving.

Total monthly spending–
Monthly margin–
Giving as % of income–
Margin as % of income–

A negative margin means spending exceeds income. That’s a signal to revisit the budget, not a reason for shame.

Life insurance needs estimate

A simple “needs-based” estimate of how much life insurance your family might need.

Total needs–
Less existing resources–
Estimated additional coverage–

This simplified estimate ignores investment returns, inflation, taxes, government benefits and your spouse’s income. A proper needs analysis considers these and more.

RESP grant estimator

Estimate the basic Canada Education Savings Grant (CESG) on your RESP contributions for one child.

Years of contributions (to age 17)–
Your total contributions–
Estimated basic CESG–

Basic CESG is 20% of annual contributions, up to $500 per year, to a lifetime maximum of $7,200 per child. This estimate excludes investment growth, catch-up grant room, the additional CESG, the Canada Learning Bond and the age 16–17 eligibility conditions.

Savings growth illustrator

See how steady saving and time can work together. Choose your own assumed rate.

Total you contribute–
Illustrated growth–
Illustrated value–

For illustration only. This is not a projection or a promise of any return. Actual returns vary, can be negative, and are affected by fees, taxes and inflation.

These calculators are provided for general educational purposes only. Results are estimates based on the information you enter and simplified assumptions, and are not financial, tax, legal or insurance advice. Please speak with a qualified professional about your situation. No information you enter is stored or sent anywhere.

Let’s talk

Want to talk through your numbers?

An unhurried, no-obligation conversation about where you are, where you’d like to go, and whether we’re a good fit. No pressure, just clarity.

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Call: 226-739-9511Email: [email protected]

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