Prospyr Signature Tool
Will your DRIP break before your next cycle? Find out
Enter your share price, dividend, and DRIP threshold - see your buffer and how many shares keep you safe.
Featured Calculator
Canadian Home Value & Appreciation Calculator
See how much your property has appreciated using CMHC data - then model it as a rental or compare it to dividend investing with the Landlord vs. Dividend Investor Pivot.
Quick Access
Canadian Home Value Calculator
FeaturedUse this calculator if you want to estimate home appreciation, test a rental conversion, or compare the property against dividend income.
Calculate your home's appreciated value using CMHC data. Model equity, rental cash flow, and compare real estate to dividend investing.
Quick Access
Dividend Income Calendar
Use this calculator if your dividend income feels uneven across the year and you want to see exactly which months are empty.
Map every payment across 12 months and see the gaps in your income stream.
Quick Access
Portfolio Conversion Tool
Use this calculator if you are thinking about selling growth holdings and want to see the income jump and real after-tax cost side by side.
See what happens to your income if you convert growth holdings to dividend payers before you move.
Quick Access
RDSP Grant Optimizer
Use this calculator if you want to know how much RDSP grant money is still available and the best year to claim it.
Get the exact contribution amounts and timing that trigger the most government grant money.
Quick Access
Smith Manoeuvre Calculator
You own a home with equity and want to convert your mortgage interest into a tax deduction while building a dividend portfolio.
Model HELOC readvancing, tax refunds, dividends, and income coverage.
Quick Access
TFSA Contribution Room
Use this calculator if you are not sure how much TFSA room you have left or want to check for missed years.
See exactly how much room you have left and what it's worth at your tax rate.
Quick Access
Time to Freedom Calculator
Use this calculator if you want a quick first estimate of how long your contributions, yield, dividend growth, and DRIP assumptions may take to reach a monthly income goal.
Enter your portfolio and a target income and see the year you get there.
Related Planning Tools
Income Holdings Library
Research payout structure, DRIP durability, and Canadian income context across income holdings.
Full Library
All Calculators
Browse the full toolkit by topic, tax question, or income-planning need.
Canadian Home Value Calculator
Use this calculator if you want to estimate home appreciation, test a rental conversion, or compare the property against dividend income.
Capital Gains Calculator
Use this calculator if you sold or are planning to sell an investment and want to know the tax cost - or how to reduce it.
Currency & Income Impact Engine
Use this calculator if foreign-currency dividends, FX spreads, or DRIP purchasing power are part of the income estimate you are modeling.
Debt Freedom Engine
Use this calculator if you have debt and dividend investments and want to know whether debt payoff, investing, or a hybrid strategy gets you to income coverage fastest.
Dividend Calculator
Use this calculator if you want to know what a dividend stock actually pays after Canadian tax and withholding.
Dividend Compare Engine
Use this calculator if you are deciding between two dividend stocks or ETFs and want to see which pays more today, after tax, and over time.
Dividend Income Calendar
Use this calculator if your dividend income feels uneven across the year and you want to see exactly which months are empty.
Dividend Yield Calculator
Calculate current yield and yield on cost for any holding.
DRIP Engine Simulator
Use this calculator if your DRIP feels close to breaking or you want to model share growth before your next buy.
FHSA Calculator
Use this calculator if you opened or are considering an FHSA and want to check your exact contribution room.
Lump Sum Income Modeler
Model sustainability, stress tests, and income from a lump sum.
Portfolio Conversion Tool
Use this calculator if you are thinking about selling growth holdings and want to see the income jump and real after-tax cost side by side.
RDSP Grant Optimizer
Use this calculator if you want to know how much RDSP grant money is still available and the best year to claim it.
RRSP Calculator
Use this calculator if you want to know how much RRSP room you have, whether to deduct your contribution now or next year, or whether a spousal RRSP makes sense for your household.
Smith Manoeuvre Calculator
You own a home with equity and want to convert your mortgage interest into a tax deduction while building a dividend portfolio.
Tax Bracket Calculator
Use this calculator if you want to know your marginal tax rate, how much an RRSP or FHSA contribution saves, or how eligible dividends compare to employment income after tax.
TFSA Contribution Room
Use this calculator if you are not sure how much TFSA room you have left or want to check for missed years.
Time to Freedom
Use this calculator if you want a quick first estimate of how long your contributions, yield, dividend growth, and DRIP assumptions may take to reach a monthly income goal.
Not sure where to start?
Find your calculator in seconds
Pick the question closest to yours and go straight to the right tool.
Calculator
How much do I need for $1,000/month in dividends?
Calculator
Is DRIP still worth it when share prices are high?
Article
TFSA or RRSP for dividend investing?
Calculator
What yield is too high to trust?
Calculator
How do I fill gaps in my monthly dividend income?
Calculator
How much tax do I pay on Canadian dividends?
Start where you are
Choose the path that matches the question you are trying to solve
Prospyr works best when it feels guided, not overwhelming. These are the fastest routes into the product's highest-value workflows.
SECTION 01
Income Planning
Map your dividend income, model your timeline to financial freedom, and stress-test your cash flow.
Currency & Income Impact Engine
Use this calculator if foreign-currency dividends, FX spreads, or DRIP purchasing power are part of the income estimate you are modeling.
Model FX rates, spreads, withholding, and translated dividend income.
Debt Freedom Engine
Use this calculator if you have debt and dividend investments and want to know whether debt payoff, investing, or a hybrid strategy gets you to income coverage fastest.
Compare debt-first, invest-first, and hybrid strategies to see when dividend income covers your debt payment.
Dividend Calculator
Use this calculator if you want to know what a dividend stock actually pays after Canadian tax and withholding.
Calculate dividend income with withholding tax applied.
Dividend Income Calendar
Use this calculator if your dividend income feels uneven across the year and you want to see exactly which months are empty.
Map every payment across 12 months and find the gaps.
Lump Sum Income Modeler
See what a lump sum deployment does to your annual income.
Time to Freedom Calculator
Use this calculator if you want a quick first estimate of how long your contributions, yield, dividend growth, and DRIP assumptions may take to reach a monthly income goal.
Enter a target income and see the year you get there.
SECTION 02
DRIP & Portfolio Mechanics
Protect your DRIP, compare holdings, and model what happens when you convert growth to income.
Dividend Compare Engine
Use this calculator if you are deciding between two dividend stocks or ETFs and want to see which pays more today, after tax, and over time.
Compare two holdings side by side on income and DRIP strength.
Dividend Yield Calculator
Calculate current yield and yield on cost for any holding.
DRIP Engine Simulator
Use this calculator if your DRIP feels close to breaking or you want to model share growth before your next buy.
Find your DRIP buffer and the shares needed to stay safe.
Portfolio Conversion Tool
Use this calculator if you are thinking about selling growth holdings and want to see the income jump and real after-tax cost side by side.
Model the income jump and tax friction before you convert.
Smith Manoeuvre Calculator
You own a home with equity and want to convert your mortgage interest into a tax deduction while building a dividend portfolio.
Model HELOC readvancing, tax refunds, dividends, and income coverage.
SECTION 03
Registered Accounts & Tax
Maximize your contribution room, capture every government grant, and understand the tax cost before you act.
Capital Gains Calculator
Use this calculator if you sold or are planning to sell an investment and want to know the tax cost - or how to reduce it.
Estimate the tax hit on a realized gain under 2026 rules.
FHSA Calculator
Use this calculator if you opened or are considering an FHSA and want to check your exact contribution room.
Track your FHSA room and model your down payment timeline.
RDSP Grant Optimizer
Use this calculator if you want to know how much RDSP grant money is still available and the best year to claim it.
Get the contributions that trigger the most grant money.
RRSP Contribution Room
Use this calculator if you want to know how much RRSP room you have, whether to deduct your contribution now or next year, or whether a spousal RRSP makes sense for your household.
Calculate your RRSP room and deduction strategy.
Tax Bracket Calculator
Use this calculator if you want to know your marginal tax rate, how much an RRSP or FHSA contribution saves, or how eligible dividends compare to employment income after tax.
See your marginal rate and model deduction impact.
TFSA Contribution Room
Use this calculator if you are not sure how much TFSA room you have left or want to check for missed years.
See exactly how much TFSA room you have left.
How the Calculators Connect
Prospyr is not a flat list of calculators. Each tool feeds the next. Here is the planning workflow most income investors follow from first question to long-term strategy.
All tools are free. No account required. Canadian dollar figures throughout.
Browse all calculators →