Overview

Plan across every horizon

Model Canadian strategies side by side: leverage your home equity, project long-term growth, pick the right registered account and plan the order you draw down in retirement.

Smith Manoeuvre

Convert non-deductible mortgage debt into tax-deductible investment debt with a readvanceable HELOC.

Investment Growth

Project how contributions and compounding grow your portfolio over time.

Coming soon

Account Comparison

Compare the after-tax benefit of contributing to an FHSA, TFSA, RRSP or non-registered account.

Coming soon

Retirement

Plan drawdown order across RRSP/RRIF, TFSA and non-registered accounts alongside CPP and OAS.

Accounts Horizon understands

FHSA

$8,000/yr, $40,000 lifetime. Deductible in, tax-free out for a first home.

TFSA

After-tax in, tax-free growth and withdrawals. Room restored next year.

RRSP

18% of earned income. Deductible in, taxed as income on withdrawal.

Non-registered

No limits. Interest deductible when borrowing to invest; 50% capital gains inclusion.