Built for Canadian dividend investors — see how your payouts can grow on their own, and that it is possible to live off them.

"It's not how much money you make, but how much money you keep, how hard it works for you, and how many generations you keep it for." — Robert Kiyosaki

Pick a tool below. Both use the same math under the hood — one's a quick "what if," the other lets you start planning the full picture.

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The Coffee Shop Theorem

What if you took the money you'd spend on a coffee-shop habit and invested it instead? See what a small daily amount could grow into. (This one's for my daughter and her $8+ Starbucks order every time she's in town.)

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What this assumes:
  • The preset amounts above already include 13% sales tax and a 15% tip — the minimum most Canadian debit machines default to these days — not just the menu price. Tax rates vary by province, so treat these as rough estimates, not exact for every location.
  • We subtract about $0.50/day for what a home-brewed coffee would cost you instead — that's the actual amount modeled as going to work for you, not the full shop price.
  • If you don't pick a fund above, we assume a steady 7% yearly payout rate, paid monthly and automatically reinvested — a reasonable baseline most diversified portfolios can aim for, not a promise. Want more control? Use the Single Fund Calculator below.
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Single Fund Calculator

Plug in a starting balance, a monthly contribution, and a payout rate — project forward by years, or solve for the date you'll hit a target monthly income. Includes a fund picker for common Canadian monthly-payer ETFs. One holding at a time — for a mix of multiple funds, try the Portfolio Mix Calculator below.

Open the calculator
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Portfolio Mix Calculator

Add as many holdings as you want — different funds, different payout rates, different pay frequencies — and see how the whole mix grows together, combined.

Open the portfolio calculator
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Learn the basics

Not sure what some of this actually means yet? Start here.