Estate liquidity gap

Compare entered estate obligations with cash and other resources expected to be available when needed.

Compare obligations and liquidity

Enter estimates for obligations and only the resources expected to be available when those obligations arise.

Estimated obligations

Add only estimates prepared for your situation. The calculator does not determine tax or settlement costs.

Tax liability estimate supplied by a tax professional (Canadian dollars)

This calculator does not estimate tax.

Debts and mortgages expected to be paid (Canadian dollars)

Include only amounts expected to be obligations of the estate.

Final, professional, and estate settlement costs (Canadian dollars)

Enter an estimate prepared for your situation.

Family, legacy, or business commitments (Canadian dollars)

Include entered amounts intended for equalization or other commitments.

Expected available liquidity

Include resources only after considering ownership, beneficiaries, contracts, and timing.

Cash and deposits expected to be available (Canadian dollars)

Include only funds expected to be accessible when obligations arise.

Insurance proceeds expected to be available (Canadian dollars)

Confirm ownership and beneficiary designations before relying on this amount.

Other liquid assets available for these obligations (Canadian dollars)

Do not include assets that cannot reasonably be accessed at the required time.

Educational illustration only

This calculator does not estimate tax. Enter a tax amount only if it has been prepared or reviewed by a qualified tax professional. Whether an asset or insurance benefit is available to an estate depends on ownership, beneficiary designations, contracts, debts, applicable law, and timing. The result is a simple comparison of the amounts entered, not an estate valuation, insurance recommendation, or tax or legal advice.

These calculators provide general illustrations based solely on the assumptions you enter. They are not a financial plan, a forecast of actual results, or investment, insurance, tax, or legal advice. Results are not guaranteed and do not account for every cost, tax rule, product feature, market change, or personal circumstance. Speak with qualified financial, tax, and legal professionals before acting.

Test the ownership and timing.

A review can organize the liquidity questions to confirm with the lawyer, accountant, insurer, and other professionals involved.

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Estate liquidity gap

Compare obligations and liquidity

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Educational illustration only

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Investment growth

Retirement income target

Test the ownership and timing.