Build dividend income that holds up.
Prospyr gives Canadian dividend and DRIP investors the calculators, frameworks, and context to model income, defend reinvestment, and understand the next number that matters.
Guided pathways
Start with the question your portfolio is really asking.
These are not generic calculator tiles. Each path begins with a planning pressure Canadian income investors actually run into.
DRIP durability
Coverage RatioCheck whether the next reinvestment cycle is defended.
Model share price, payout cadence, and buffer pressure before a DRIP falls below one full share.
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Income planning
12-month viewMap dividend income into real monthly cash flow.
See which months are funded, where gaps appear, and how payment timing changes the income picture.
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Account context
Canada-firstEstimate room, tax drag, and account-specific friction.
Use Canadian account and tax tools to keep income estimates grounded in the right wrapper.
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The Prospyr framework
A product language for dividend income, not a pile of glossary terms.
Framework cards are built to turn calculator outputs into readable states: defended, fragile, at-risk, and improving.
Signature framework
Coverage Ratio
A Prospyr measure for whether dividend mechanics are defended, fragile, or strong enough to keep compounding.
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DRIP mechanics
DRIP Buffer
The margin between the dividend cash generated and the share price needed to keep reinvestment active.
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Portfolio pressure
Price Creep
The quiet risk that rising share prices outpace dividend growth and weaken reinvestment power.
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Income language
Income Snowball
The point where dividend income begins carrying more of the compounding work across time.
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Calculator library
Grouped tools for income planning, DRIP mechanics, and Canadian tax context.
The library is organized by planning job so it feels like a workflow, not a directory.
Income Planning
Model income targets, monthly cash flow, and lump sum deployment with tools built for real-world dividend planning.
Time to Freedom
CoreEstimate how many years it could take for dividend income to replace your paycheque.
Debt Freedom Engine
NewCompare debt payoff, investing, and hybrid strategies to see when dividend income covers your debt payment.
Lump Sum Income Modeler
NewModel monthly income, sustainability, and stress scenarios for a lump sum investment.
Currency & Income Impact Engine
NEWConvert currencies and model how FX spreads and withholding affect dividend income.
Dividend Income Calendar
NewMap dividend payments across the year, spot income gaps, and track DRIP income growth.
Dividend Calculator
UpgradedCalculate dividend income, yield, yield on cost, payout ratio, and future growth in one place.
DRIP & Portfolio Mechanics
Pressure-test DRIP durability, surface Price Creep risk, and model the path from growth holdings to income production.
Smith Manoeuvre Calculator
NEWModel HELOC readvancing, tax refunds, dividends, DRIP choices, and income coverage.
DRIP Engine Simulator
FlagshipSimulate DRIP share growth, buffer levels, and Price Creep risk for dividend investors.
Portfolio Conversion Tool
UniqueEstimate the tradeoff when converting growth holdings into dividend income.
Dividend Compare Engine
Phase 1.5Compare two dividend holdings side by side on current income, DRIP footing, yield on cost, and dividend growth.
Registered Accounts & Tax
Use current Canadian rules to estimate room, tax drag, and grant value across your account stack.
RDSP Grant Optimizer
Calculate RDSP grants, missed grant room, and contribution timing for Canadian families.
TFSA Contribution Room
Calculate TFSA contribution room using updated CRA limits and annual contribution history.
RRSP Contribution Room
Estimate RRSP contribution room with current CRA rules and registered account limits.
Tax Bracket Calculator
Calculate your combined federal and provincial marginal tax rate in Canada.
FHSA Calculator
NewCalculate FHSA contribution room and plan tax-advantaged first home savings in Canada.
Capital Gains Calculator
Estimate capital gains tax in Canada using the updated inclusion rate rules.
Need the full index?
The complete calculators page remains crawlable and organized for deeper browsing.
Start clean
Begin with one model, then let the next number guide the workflow.
Use the DRIP Engine to check durability, then move into income timing, account context, or comparison when the result points there.