Based on your inputs, the Smith Manoeuvre is structurally suitable for your profile. Before proceeding, please read the three notes below.
Score: 6 of 7 signals positive
Income 150K or higher: yes
MTR 40% or higher: yes
Registered accounts maxed: yes
Home equity sufficient: yes
Horizon 20 years or more: yes
Drawdown tolerance: yes
Monthly admin tolerance: marginal
Before you proceed
1. Read the full docs at docs.ideaplaces.com/active-projects/smith-manoeuvre — especially CRA tracing and Risks.
2. Find an accountant with prior ITA 20(1)(c) work.
3. Commit to 25 years or do not start. Unwinding mid-strategy is expensive.
Run a projection
Enter your full numbers and see a 25-year simulation.
Watch the monthly cycle
Step through Year 1 month by month. See the re-advance loop in action.
Get a setup checklist
Personalized for your province and mortgage timing.
If the verdict had been "not suitable"
We would have redirected you to WealthPath, which handles the mortgage-vs-invest decision without requiring leverage or ITA 20(1)(c) tracing.