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Try our Smart Money calculators to plan your next financial step, one click at a time!



Mortgage calculators

​Use the Mortgage Affordability Calculator to determine how much you can borrow.

With the Mortgage Payment Calculator, you can estimate the amount of a mortgage payment. This calculator will generate an amortization schedule for payments.

You can use the Mortgage Comparison Calculator to determine which mortgage product is right for you.



Retirement planner calculator

​Gulf & Fraser's Retirement Planner Calculator helps you determine the amount of savings that you'll need to retire comfortably. By flagging any shortfalls or surpluses, the calculator outlines the savings required to reach your financial goals for retirement.

If you'd like more information on planning for retirement, read How do I plan for retirement. You can also book an appointment with a Gulf & Fraser Retirement Planner.



RRIF calculator

Having a RRIF in place when you're retired allows your savings to grow as well as gives you a predictable income stream. Use this calculator to estimate the payments you can expect each year from your RRIF.



Loan calculator

​Use the Loan Calculator to determine the amount you can borrow and what your repayment schedule might be.

You can apply for a personal loan with Gulf & Fraser by filling out this application form. For more information, contact us at 604-419-8888.



TFSA calculator

Gulf & Fraser's Tax-Free Savings Account Calculator helps you to quantify the financial benefits you'll see when you invest in a TFSA and your investment income is shielded from taxes.

Learn more about TFSAs.​


RESP calculator

Savings calculator


NaviPlan tools

​Education assement tool

Enter details regarding your child’s education goals to estimate the cost of each goal and the required savings you will need.


Major purchase assessment tool

Enter details for your projected major purchases to help estimate the cost and the amount of savings you will need.


Retirement assessment tool


Foreign exchange calculator

Gulf & Fraser's Foreign Exchange Calculator assists you while converting foreign currencies to Canadian dollars or vice versa. To see the cost of buying or selling our most popular foreign currencies, simply enter a value and select the currencies.

These calculators are made available to you as tools for independent use and are not intended to provide investment advice. We cannot and do not guarantee their applicability or accuracy. All examples are hypothetical and are for illustrative purposes only. Please visit a Gulf & Fraser branch to seek personalized advice from qualified professionals for all your personal finance issues.