Vishal Joshi Investments & Insurance · Ontario (226) 504-7377

Tools · Three calculators

Order — Grow — Protect

Your turn — drag.

The three tools on this site are educational estimates, not personal advice. Vishal Joshi is a Mutual Fund Representative with PFSL Investments Canada Ltd., a CIRO member dealer, and a Life and Health Insurance Agent licensed by FSRA in Ontario.

Your turn — drag

Tool Nº 1 · The order of accounts

The contribution planner

The planner splits your money between the accounts for 2026 and estimates the Ontario tax refund that split creates. The order follows one philosophy: FHSA first, then the TFSA so your money stays within reach — and the RRSP jumps the queue only when your income makes its deduction truly valuable. Before any of it sits Step 0: if your workplace RRSP or pension matches contributions, take the full match first — it is part of your pay, and it should never be missed.

Before this order applies: clear high-interest debt and keep a starter emergency fund in place. The split below assumes both are already handled.

$0$85,000$250,000
Gross, before tax. The planner uses Ontario's 2026 brackets.
$0$600$3,000
Across all accounts combined — the planner splits it for you.
If you haven't owned a home you lived in during the last 4 years, the FHSA usually goes first.
$0$8,000$40,000
$8,000 per year since you opened the account, $40,000 lifetime. Open it this year even if you can't fund it yet — room only starts once the account exists.
$0$21,000$109,000
Find your exact room in CRA My Account before contributing — over-contributions are penalized 1% per month.
$0$24,000$150,000
Printed on your latest CRA Notice of Assessment. Unused room carries forward until age 71.
Estimated tax refund from this plan $2,135
Your marginal tax rate29.65%
Est. take-home pay$62,101

Unlock Your Full Personalized 2026 Strategy

Unlock your exact account allocation, tax-savings breakdown, and customized checklist — right here on this page, and save the full breakdown as a PDF.

Free · One form unlocks all three tools

Where the $7,200 goes

FHSA$7,200

Deductible now, tax-free out when you buy your first home.

    Estimates only — a simplified Ontario calculation using basic personal credits. Your real refund depends on your full return.

    The reality check — how much of the basic room goes unused across the country — is in the Order chapter.

    Want this run with your real numbers? Book a free 15-minute intro →

    Your turn — drag

    Tool Nº 2 · The growth curve, yours

    The retirement projector

    The same climb as the chapter above — now it's yours. Drag the bars and watch it move.

    163575
    406580
    That's 30 years of compounding from age 35.
    $0$25,000$500,000
    $0$500$2,000
    0%6.0%10%
    Long-run diversified portfolios have historically landed in the 5–7% range before fees — never guaranteed.
    $0$60,000$150,000
    From your investments alone. CPP and OAS come on top — up to roughly $35,000–$45,000/yr combined for a full-career contributor at 65, in today's dollars.
    Projected portfolio on retirement day $617,936

    Unlock Your Full Personalized 2026 Strategy

    Unlock your exact account allocation, tax-savings breakdown, and customized checklist — right here on this page, and save the full breakdown as a PDF.

    Free · One form unlocks all three tools

    You put in$205,000
    Growth does$412,936
    Nest egg your target needs$1,500,000
    Income it could support$24,717/yr
    Funded: 41% of your target — gap of $882,064

    Target uses the 4% guideline: nest egg = yearly income × 25. A planning yardstick, not a promise.

      Your contributions Investment growth Target nest egg

      How to read this projection: it holds the return you set constant year after year, adds contributions at the end of each period, and makes no allowance for fees, taxes or inflation. It shows the shape of the plan — it is not a forecast.

      Estimate for education only — not a personal recommendation.

      Want this run with your real numbers? Book a free 15-minute intro →

      Your turn — drag

      Tool Nº 3 · The needs analysis

      How much would your family need?

      The DIME method — Debts, Income, Mortgage, Education — the standard starting point for a needs analysis. This is Vishal's LLQP side of the plan.

      $0$85,000$250,000
      1 year15 years30 years
      Often: until the youngest child is independent, or until retirement savings can carry the household.
      $0$420,000$1,500,000
      $0$20,000$200,000
      $0$60,000$200,000
      A common planning figure is $40,000–$75,000 per child for Canadian post-secondary, residence included.
      $0$25,000$100,000
      $0$100,000$2,000,000
      Include group coverage at work — but remember it usually ends when the job does, and 1× salary is rarely enough on its own.
      $0$30,000$500,000
      Liquid savings and investments, not counting retirement accounts you want to preserve.
      Recommended total coverage $1,770,000

      Unlock Your Full Personalized 2026 Strategy

      Unlock your exact account allocation, tax-savings breakdown, and customized checklist — right here on this page, and save the full breakdown as a PDF.

      Free · One form unlocks all three tools

      Gap still to cover$1,670,000
      Suggested term length15–20 years

      How the number is built

      Income × 15 yrs$1,275,000
      Mortgage$420,000
      Other debts$20,000
      Education$60,000
      Final + cushion$25,000

      Less savings your family could use ($30,000), rounded up to the nearest $10,000. Existing coverage: $100,000.

        Estimate for education only — not a personal recommendation.

        Term vs. permanent — the funnel and "buy term, invest the difference" — is in the Protect chapter.

        One thing this number doesn't do: it pays out if you die, not if you're alive but unable to work. Disability coverage is a separate, shorter conversation — bring it to the intro call.

        Want this run with your real numbers? Book a free 15-minute intro →