Total Net Worth & Estate Value
Annual Investment Income
WL Cash Value vs. Loan Balance
WL Safety Margin (Death Benefit — Loan)
15-Year Projection
'+PLAN_START_YEAR+'–'+PLAN_END_YEAR+' — click any white cell to edit; numbers ripple forward automatically
Column guide:
WL Cash = policy cash value |
WL Loan = amount borrowed against policy |
WL Net = cash minus loan (your usable equity) |
WL Safety = death benefit minus loan (estate floor) |
Urus Delta = annual Urus carrying cost delta (lease/ownership change vs prior year) |
Net Cash = cumulative invested portfolio, net after Urus & housing costs |
Inv. Income = annual income generated by that portfolio |
Net Flow = net cash injection (+) or withdrawal (-) to the portfolio that year
ⓘ Why some numbers are negative — and why that's okay:
Net Flow negative (e.g. −57K, −598K in yrs 2–7): money is leaving the portfolio to cover Urus costs, WL policy loan draws, or housing construction draws. This is planned spending — the portfolio is funding your life and the home build, not a sign of loss. · WL Loan growing (197K → 3,370K): you are intentionally borrowing against your policy to fund lifestyle and housing. Loans against WL do not require repayment — they are offset by the death benefit. The safety margin column shows the buffer remaining. · WL Safety declining (9.80M → 6.63M): as the loan grows, the gap between death benefit ($10M) and loan shrinks. Still very healthy — $6.63M safety margin in year 15 means the estate floor is intact. · ✓ WL safety confirmed: the death benefit ($10M) exceeds the loan balance in every single year. In year 15 the loan is $3.37M against a $10M death benefit — leaving a $6.63M safety margin. WL Net (cash value minus loan) is positive in every row, meaning the policy is solvent and the estate floor is intact throughout. The plan would need the loan to grow to $10M before any concern arises — at current trajectory that does not happen within the 15-year window.
Net Flow negative (e.g. −57K, −598K in yrs 2–7): money is leaving the portfolio to cover Urus costs, WL policy loan draws, or housing construction draws. This is planned spending — the portfolio is funding your life and the home build, not a sign of loss. · WL Loan growing (197K → 3,370K): you are intentionally borrowing against your policy to fund lifestyle and housing. Loans against WL do not require repayment — they are offset by the death benefit. The safety margin column shows the buffer remaining. · WL Safety declining (9.80M → 6.63M): as the loan grows, the gap between death benefit ($10M) and loan shrinks. Still very healthy — $6.63M safety margin in year 15 means the estate floor is intact. · ✓ WL safety confirmed: the death benefit ($10M) exceeds the loan balance in every single year. In year 15 the loan is $3.37M against a $10M death benefit — leaving a $6.63M safety margin. WL Net (cash value minus loan) is positive in every row, meaning the policy is solvent and the estate floor is intact throughout. The plan would need the loan to grow to $10M before any concern arises — at current trajectory that does not happen within the 15-year window.
Age 120 Projection
Long-horizon estate compounding — how wealth grows if the portfolio compounds untouched
ⓘ Reading this table:
WL Net negative at older ages: if WL Loan exceeds Cash Value, the policy would be under stress. All rows here show positive WL Net, meaning the policy remains solvent through age 120. · WL Safety shrinking over time: the loan balance grows each decade as lifestyle draws accumulate. This is intentional — you are using the policy as a tax-free income engine. The death benefit ($10M) still exceeds the loan in all rows. · The highlighted crossover row (teal) marks where investment income alone exceeds estimated living expenses — from that age forward the portfolio is fully self-funding with no need to draw on WL or principal. · Terminal estate at age 120 appears large ($138B at 15% return) because of decades of compounding. Stress-test it using the 8% return toggle — the plan remains viable at much lower rates.
WL Net negative at older ages: if WL Loan exceeds Cash Value, the policy would be under stress. All rows here show positive WL Net, meaning the policy remains solvent through age 120. · WL Safety shrinking over time: the loan balance grows each decade as lifestyle draws accumulate. This is intentional — you are using the policy as a tax-free income engine. The death benefit ($10M) still exceeds the loan in all rows. · The highlighted crossover row (teal) marks where investment income alone exceeds estimated living expenses — from that age forward the portfolio is fully self-funding with no need to draw on WL or principal. · Terminal estate at age 120 appears large ($138B at 15% return) because of decades of compounding. Stress-test it using the 8% return toggle — the plan remains viable at much lower rates.
Housing Finance
Build cost breakdown for the new King City home — edit any cell
ⓘ Reading this table:
Carrying costs (~$275K, yrs 5–6): these are interest-only payments and holding costs during the build period. They are funded first from WL loan room, then investments — not cash out of pocket. · Sale of old home ($4M, yr 6): this is cash in, applied directly to pay down the bridge loan and construction debt. After this, the housing stack is clean. · Total build cost $9.5M = land ($3.5M) + construction ($5.5M) + landscaping ($0.5M). The renovation budget ($2M) is a separate line in the Home Purchase tab.
Carrying costs (~$275K, yrs 5–6): these are interest-only payments and holding costs during the build period. They are funded first from WL loan room, then investments — not cash out of pocket. · Sale of old home ($4M, yr 6): this is cash in, applied directly to pay down the bridge loan and construction debt. After this, the housing stack is clean. · Total build cost $9.5M = land ($3.5M) + construction ($5.5M) + landscaping ($0.5M). The renovation budget ($2M) is a separate line in the Home Purchase tab.
Home Value
15 John St equity & sale waterfall, then new build projection — toggle appreciation rate below
ⓘ Reading the sale waterfall:
Selling costs (−$319K): Ontario real estate transaction costs — realtor commission (~3.5%), legal fees, land transfer. Standard for a home at this price point. Adjust the % in the inputs below if you negotiate a lower commission. · Mortgage payoff at sale (−$1.48M): by 2031, after 5 years of $14,225/mo payments, the TD mortgage will have amortized to ~$1.48M. This is automatically deducted from proceeds — you don't need to write a cheque separately. · Net equity released ($4.59M): this is real cash that flows directly into the plan — used to repay the bridge loan, any remaining construction debt, and top up the investment portfolio. It's why the year-6 cash flow tab shows large outflows but the overall plan stays healthy. · Appreciation rate sensitivity: toggle between 4%/6%/8% to see how net proceeds change. Even at 4% (conservative), the net equity released is still ~$3.6M — enough to clear all housing debt.
Selling costs (−$319K): Ontario real estate transaction costs — realtor commission (~3.5%), legal fees, land transfer. Standard for a home at this price point. Adjust the % in the inputs below if you negotiate a lower commission. · Mortgage payoff at sale (−$1.48M): by 2031, after 5 years of $14,225/mo payments, the TD mortgage will have amortized to ~$1.48M. This is automatically deducted from proceeds — you don't need to write a cheque separately. · Net equity released ($4.59M): this is real cash that flows directly into the plan — used to repay the bridge loan, any remaining construction debt, and top up the investment portfolio. It's why the year-6 cash flow tab shows large outflows but the overall plan stays healthy. · Appreciation rate sensitivity: toggle between 4%/6%/8% to see how net proceeds change. Even at 4% (conservative), the net equity released is still ~$3.6M — enough to clear all housing debt.
Scenario Comparison
Conservative / Base / Aggressive — same plan, different investment return assumptions. The −$13M vs Base for Conservative is not a loss — it shows the difference in outcome if returns average 8% instead of 15%.
Net Worth — All Three Scenarios
Annual Cash Flow
Money in vs. money out each year — use arrows to step through years. Note: year 6 (2031) shows a large negative net flow because mortgage payoff and bridge repayment ($3.3M) happen before sale proceeds are reinvested — this is expected and planned.
ⓘ Why negative net flows are okay in this plan:
Years 1–4 (small negatives): Urus lease costs and early WL policy draws create a modest net outflow. The portfolio is still growing because investment income > outflows. · Year 5 (2030, −$521K): home purchase year. Down payment ($1.2M) and first renovation draws ($600K) leave the portfolio. This is a planned capital deployment into a $4.5M+ appreciating asset, not a loss. · Year 6 (2031, large negative): the peak outflow year. Bridge loan repayment ($1.2M) and old mortgage payoff ($2.1M) show as outflows here — but these are immediately offset by the old home sale proceeds (modeled in the Home Value tab). Net after sale: +$4.59M equity released. · Years 7–9 (stabilization): portfolio rebuilds. No housing costs, WL lifestyle draws begin but are covered by growing investment income. · ✓ From year 10 onwards: investment income exceeds all outflows. The plan is cash-flow positive and self-funding.
Years 1–4 (small negatives): Urus lease costs and early WL policy draws create a modest net outflow. The portfolio is still growing because investment income > outflows. · Year 5 (2030, −$521K): home purchase year. Down payment ($1.2M) and first renovation draws ($600K) leave the portfolio. This is a planned capital deployment into a $4.5M+ appreciating asset, not a loss. · Year 6 (2031, large negative): the peak outflow year. Bridge loan repayment ($1.2M) and old mortgage payoff ($2.1M) show as outflows here — but these are immediately offset by the old home sale proceeds (modeled in the Home Value tab). Net after sale: +$4.59M equity released. · Years 7–9 (stabilization): portfolio rebuilds. No housing costs, WL lifestyle draws begin but are covered by growing investment income. · ✓ From year 10 onwards: investment income exceeds all outflows. The plan is cash-flow positive and self-funding.
Retirement Readiness
Overall plan health score across 6 dimensions — higher is better, 80+ means you're on track
ⓘ About the scores:
Return Rate Realism (85): 15% is achievable with active management but aggressive. The score reflects this honestly. Use the rate toggle to see how the plan holds at 8–12% — it remains viable. · Housing Debt Load (70): the $9.5M build cost is 45% of year-15 net worth. This is the plan's main stress point — a significant capital deployment into an illiquid asset. It resolves by year 7 once the old home is sold and the new mortgage stabilizes. · Overall 88/100: “On Track” reflects a genuinely strong plan. The two lower scores (return rate realism, housing debt) are known and intentional trade-offs — not surprises.
Return Rate Realism (85): 15% is achievable with active management but aggressive. The score reflects this honestly. Use the rate toggle to see how the plan holds at 8–12% — it remains viable. · Housing Debt Load (70): the $9.5M build cost is 45% of year-15 net worth. This is the plan's main stress point — a significant capital deployment into an illiquid asset. It resolves by year 7 once the old home is sold and the new mortgage stabilizes. · Overall 88/100: “On Track” reflects a genuinely strong plan. The two lower scores (return rate realism, housing debt) are known and intentional trade-offs — not surprises.
W10 Income Projection
VP, Chief Security Officer · Level E2 · Base $1.12M CAD · 2026–2040
ⓘ How this connects to the retirement plan:
Base salary funds living expenses (~$180–250K/yr) and the annual new cash invested into the portfolio. Surplus above expenses compounds at 15%. · Annual bonus (20% of base × multiplier) is treated as a lump-sum top-up to the portfolio each year — not spent. At 120% multiplier on a $1.4M base by 2035, the bonus alone exceeds $336K/yr. · After-tax net uses Ontario's combined top marginal rate of 54% (federal + provincial). This is the conservative real take-home figure — effective rates on lower brackets mean your blended rate is somewhat lower, but 54% is the right number for planning purposes on income at this level. · Raise scenarios (3/4/5%): even at 3% the base reaches $1.74M by 2040. At 5% it reaches $2.37M. The difference in total compensation over 15 years is over $4M. · ✓ All amounts in CAD. Bonus shown pre-tax as a planning reference.
Base salary funds living expenses (~$180–250K/yr) and the annual new cash invested into the portfolio. Surplus above expenses compounds at 15%. · Annual bonus (20% of base × multiplier) is treated as a lump-sum top-up to the portfolio each year — not spent. At 120% multiplier on a $1.4M base by 2035, the bonus alone exceeds $336K/yr. · After-tax net uses Ontario's combined top marginal rate of 54% (federal + provincial). This is the conservative real take-home figure — effective rates on lower brackets mean your blended rate is somewhat lower, but 54% is the right number for planning purposes on income at this level. · Raise scenarios (3/4/5%): even at 3% the base reaches $1.74M by 2040. At 5% it reaches $2.37M. The difference in total compensation over 15 years is over $4M. · ✓ All amounts in CAD. Bonus shown pre-tax as a planning reference.
ClassifD Income
$350K USD base · 10% effective tax · vs. employment income equivalent · 2026–2040
ⓘ How to read this table:
ClassifD gross (USD/CAD): your $350K USD income, converted at the live rate, growing at 2/3/4%/yr. · After 10% tax (net CAD): what you actually take home — this is the real spending/investing power. · Employment income equivalent: the gross salary someone in employment would need to earn — taxed at 54% — to net the same amount as your ClassifD take-home. At 10% tax on $350K USD, your net is ~$434K CAD. To net that same amount at 54% employment tax, you'd need to earn roughly $943K CAD gross — almost 2.2× more. · ✓ Tax advantage: the difference between the employment gross and your ClassifD gross is your annual structural tax saving. This compounds significantly over the 15-year window.
ClassifD gross (USD/CAD): your $350K USD income, converted at the live rate, growing at 2/3/4%/yr. · After 10% tax (net CAD): what you actually take home — this is the real spending/investing power. · Employment income equivalent: the gross salary someone in employment would need to earn — taxed at 54% — to net the same amount as your ClassifD take-home. At 10% tax on $350K USD, your net is ~$434K CAD. To net that same amount at 54% employment tax, you'd need to earn roughly $943K CAD gross — almost 2.2× more. · ✓ Tax advantage: the difference between the employment gross and your ClassifD gross is your annual structural tax saving. This compounds significantly over the 15-year window.
Total Income
W10 (employment) + ClassifD · gross and net · 2026–2040
ⓘ How this works:
W10 income uses whatever raise rate and multiplier you have selected in the W10 Income tab. · ClassifD income uses whatever raise rate you have selected in the ClassifD Income tab. · Tax treatment: W10 employment income taxed at 54% (Ontario top marginal). ClassifD income taxed at 10% effective. These are independent — the combined net is the sum of both after-tax streams. · ✓ Toggle raise rates and multipliers in their respective tabs to update this view.
W10 income uses whatever raise rate and multiplier you have selected in the W10 Income tab. · ClassifD income uses whatever raise rate you have selected in the ClassifD Income tab. · Tax treatment: W10 employment income taxed at 54% (Ontario top marginal). ClassifD income taxed at 10% effective. These are independent — the combined net is the sum of both after-tax streams. · ✓ Toggle raise rates and multipliers in their respective tabs to update this view.
559 Heman Street — Property Analysis
Newmarket, ON · Registered Duplex (2 rental units) · 20-year value & equity projection · Refinance analysis
Est. Current Value
$905K
Based on Newmarket duplex comps
Mortgage Balance
$602K
As of Mar 22, 2026 · 3.86% variable
Net Equity
$303K
Value minus mortgage
Gross Rental Income
$4,550
/mo · $2,275 per unit (est.)
Monthly Cash Flow
+$584
After mortgage + expenses
Gross Yield
6.03%
Annual rent / property value
Appreciation Rate
Conservative 3%, Base 5%, Historical GTA avg 6.5%
Mortgage Scenario
Refinance: pulls max equity out at 80% LTV (rental)
Mortgage Details (From Statement)
Balance: $601,718.20
Rate: 3.86% (TD Prime −0.74%)
Payment: $3,466.03/mo
Maturity: Jan 01, 2030
Remaining Amort: 21y 2m 10d
Rate: 3.86% (TD Prime −0.74%)
Payment: $3,466.03/mo
Maturity: Jan 01, 2030
Remaining Amort: 21y 2m 10d
Property Value vs. Mortgage Balance (20 Yrs)
Net Equity Growth (20 Yrs)
20-Year Property & Equity Projection
2026–2046 · values adjust with appreciation rate selected above
Refinance & Equity Pull-Out Analysis
TD Private Banking · Rental Property Rules · Real-time calculation
Rental Income & Cash Flow
Both units · Huron Heights-Leslie Valley market data · Feb 2026
ⓘ Data Sources & Assumptions:
Property value estimated at $905,000 based on Newmarket Feb 2026 semi-detached avg ($639,400 per WOWA.ca) plus ~42% duplex/registered rental premium for two legal units. Comparable active multi-family listings in Newmarket L3Y range $1.85M–$1.89M (larger). Appreciation scenarios: Conservative 3% (current Newmarket forecast per meetmatthew.ca), Base 5% (York Region long-run average), Historical 6.5% (Canada 15yr avg per Clover Mortgage). Rental rates from Newmarket Rental Market Report Feb 2026 — Huron Heights avg $2,056/mo, median $1,925/mo. TD rental property refinance rules: max 80% LTV on rental/investment properties, subject to rental income qualification and TD Private Banking underwriting. All figures are estimates — not financial advice. Consult your TD Private Banking advisor.
Property value estimated at $905,000 based on Newmarket Feb 2026 semi-detached avg ($639,400 per WOWA.ca) plus ~42% duplex/registered rental premium for two legal units. Comparable active multi-family listings in Newmarket L3Y range $1.85M–$1.89M (larger). Appreciation scenarios: Conservative 3% (current Newmarket forecast per meetmatthew.ca), Base 5% (York Region long-run average), Historical 6.5% (Canada 15yr avg per Clover Mortgage). Rental rates from Newmarket Rental Market Report Feb 2026 — Huron Heights avg $2,056/mo, median $1,925/mo. TD rental property refinance rules: max 80% LTV on rental/investment properties, subject to rental income qualification and TD Private Banking underwriting. All figures are estimates — not financial advice. Consult your TD Private Banking advisor.
766A Botany Hill Crescent — Property Analysis
Newmarket, ON L3Y 3A8 · Registered Duplex (2 rental units) · 20-year projection · Refinance analysis
Est. Current Value
$895K
764 Botany Hill listed $899,800 Jan 2026
Mortgage Balance
$510K
As of Mar 22, 2026 · 4.22% variable
Net Equity
$385K
Value minus mortgage
Gross Rental Income
$4,550
/mo · $2,275 per unit (est.)
Monthly Cash Flow
-$435
After mortgage + expenses
LTV
57.0%
Strong equity position
Appreciation Rate
Conservative 3%, Base 5%, Historical GTA avg 6.5%
Mortgage Scenario
Refinance: pulls max equity at 80% LTV (rental)
Mortgage Details (From Statement)
Balance: $510,282.28
Rate: 4.22% (TD Prime −0.38%)
Payment: $3,715.89/mo
Maturity: Nov 01, 2030
Remaining Amort: 15y 7m 10d
Rate: 4.22% (TD Prime −0.38%)
Payment: $3,715.89/mo
Maturity: Nov 01, 2030
Remaining Amort: 15y 7m 10d
Property Value vs. Mortgage Balance (20 Yrs)
Net Equity Growth (20 Yrs)
20-Year Property & Equity Projection
2026–2046 · updates with appreciation rate above
Refinance & Equity Pull-Out Analysis
TD Private Banking · Rental Property Rules · Real-time
Rental Income & Cash Flow
Both units · Huron Heights-Leslie Valley market data · Feb 2026
ⓘ Data Sources & Assumptions:
Property value estimated at $895,000 based on 764 Botany Hill Crescent (next door) listed at $899,800 in January 2026 — 3+1 bed, 3 bath detached bungalow with basement suite. Same Huron Heights neighbourhood, same rental market conditions as 559 Heman. Appreciation, rental rate, and expense assumptions identical. TD rental property rules: 80% LTV max, both registered units qualify for income inclusion. All figures are estimates — not financial advice.
Property value estimated at $895,000 based on 764 Botany Hill Crescent (next door) listed at $899,800 in January 2026 — 3+1 bed, 3 bath detached bungalow with basement suite. Same Huron Heights neighbourhood, same rental market conditions as 559 Heman. Appreciation, rental rate, and expense assumptions identical. TD rental property rules: 80% LTV max, both registered units qualify for income inclusion. All figures are estimates — not financial advice.
4142 SW 23rd Ave — Cape Coral, FL Property Analysis
Cape Coral, FL 33914 · Single Family (3 bed / 2 bath / 1,573 sqft) · 20-year projection · USD & CAD · Refinance analysis
Est. Current Value
$351K
Zillow Zestimate · Mar 2026
Loan Balance
$152K
As of Mar 22, 2026 · 3.63% (TD)
Net Equity
$199K
Value minus loan balance
Est. Monthly Rent
$2,100
/mo · Cape Coral 3BR avg (long-term)
Monthly Cash Flow
—
After mortgage + expenses
LTV
43.3%
Strong equity position
Currency Display
Rate: 1 USD = 1.3723 CAD (Mar 22, 2026)
Appreciation Rate
Conservative 2%, Recovery 3-4%, Historical SW FL 6%
Mortgage Scenario
Refinance: pulls max equity at 75% LTV (investment, TD US)
Loan Details (From Statement)
Balance: $152,138.99 USD
Rate: 3.63% (TD Loan x4320)
Min. Payment: $53.09/mo
Last Payment: Mar 1, 2026
Next Due: Apr 1, 2026
Rate: 3.63% (TD Loan x4320)
Min. Payment: $53.09/mo
Last Payment: Mar 1, 2026
Next Due: Apr 1, 2026
Property Value vs Net Equity (20yr)
Annual Cash Flow Trend
20-Year Property & Equity Projection
2026–2046 · updates with currency and appreciation rate above
Refinance & Equity Pull-Out Analysis
TD Bank US · Private Banking · Investment Property Rules · Real-time
Rental Income & Cash Flow
Cape Coral FL long-term rental market · Mar 2026 · Apartments.com / Zillow / RentCafe
ⓘ Data Sources & Assumptions:
Property value: $351,000 USD per Zillow Zestimate (Mar 2026) — 3 bed, 2 bath, 1,573 sqft, built 2003, 0.25 acre. Range $326K–$376K. Loan balance $152,138.99 USD from TD statement (Mar 22, 2026), 3.63% fixed rate. Cape Coral market down ~10% YoY — appreciation scenarios reflect correction/recovery cycle per HBI (2026) and March 2026 MLS data. Rental rate $2,100/mo = Apartments.com 3BR avg (Mar 2026). TD US investment property HELOC max $500K — investment property eligible per TD Bank US. USD/CAD rate 1.3723 (Mar 22, 2026). All figures are estimates — not financial advice.
Property value: $351,000 USD per Zillow Zestimate (Mar 2026) — 3 bed, 2 bath, 1,573 sqft, built 2003, 0.25 acre. Range $326K–$376K. Loan balance $152,138.99 USD from TD statement (Mar 22, 2026), 3.63% fixed rate. Cape Coral market down ~10% YoY — appreciation scenarios reflect correction/recovery cycle per HBI (2026) and March 2026 MLS data. Rental rate $2,100/mo = Apartments.com 3BR avg (Mar 2026). TD US investment property HELOC max $500K — investment property eligible per TD Bank US. USD/CAD rate 1.3723 (Mar 22, 2026). All figures are estimates — not financial advice.