Configure your projection

Everything defaults to reasonable base-case values. Override anything you have a strong opinion about.

Mortgage

Balance

Amortization (years)

Rate (%)

Payment frequency

HELOC

Rate (%)

Typically Prime + 0.5%

Lender product

Initial prime-the-pump draw

0 for basic, 25K–100K for primed

Capitalize HELOC interest?

Tax situation

Province

Marginal tax rate (%)

Combined federal + provincial

Apply Quebec s. 336.1 investment-expense limitation

Auto-enabled if province is Quebec. Deduction capped by current-year investment income; excess carries forward indefinitely.

Investment assumptions

Expected gross return (%)

Historical Canadian equity: 6-8% nominal

Portfolio tilt

Dividend yield component (%)

Of the gross return

DRIP

Variant mix

Use tax refund as mortgage prepayment (accelerated Smith)Debt Swap at setup (if you already own non-registered investments)Cash Damming (Smith/Orr) for business or rental expensesCapitalize interest via HELOC self-funding

Horizon

Horizon (years)

Sensitivity scenarios