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Investing with ATB:
Investment Calculators
 The following are helpful tools in identifying your investment and retirement
needs as well as to form potential investment strategies:
Retirement Calculators:
- RSP Calculator
By identifying future income needs and the amount you intend to save
until retirement, the RSP Calculator can help you identify any potential
shortfall and create a savings plan to help you achieve your financial
goal. The RSP Calculator allows you to personalize the scenario by
accounting for a variety of factors such as inflation, rate of return
on your investment, and indexing.
- RSP Illustrator
By providing a few details about your future investing plans, the
RSP Illustrator can help illustrate the advantages of tax sheltered
growth
of a registered plan (RSP) compared to the taxable growth of a
non-registered plan. By investing the tax refund received on RSP
contributions,
an investor can take further advantage of the savings and growth
potential
that comes with investing in an RSP. The RSP Illustrator allows
you to personalize your scenario by accounting for a variety of factors
such as contribution amount, frequency, rate of return on your
investment,
and your marginal tax rate.
- RIF
/ LIF / LRIF Illustrator
This calculator helps to illustrate the income stream available from
a Registered Income Fund at retirement. It provides you with the
ability to generate a payment schedule for RIFs, LIFs, or LRIFs throughout
the life of the plan. The calculator also totals all of your gross
payments, withholding taxes, and net payments.
- Registered vs. Non-Registered Comparison
This tool compares the benefits of an RSP savings program against
a non-registered program. By comparing two identical investments
with the only difference
being that one is registered and the other is not, you can see
the difference a RSP truly makes when it comes time to retire.
- RSP
Loan Planner
The RSP Loan Planner helps illustrate two common scenarios:
- Maximizing your contribution with an RSP Loan.
- Utilizing an RSP Loan this year for your and begin contributing with your
own money next year.
Investment & Savings Calculators:
- Advantage
of Early Investing
The Advantage of Early Investing tool is designed to show you how you can
take advantage of the power of compounding to achieve personal retirement
goals. Virtually every guide to personal investing will tell you that the
best way of meeting your savings goals is to start early, invest on a regular
basis and stay invested. Investing earlier on in life and taking advantage
of compounding investment returns can produce better results than investing
later in life and with more money.
- Investment
and Regular Deposit
This tool is designed to illustrate the effect of a regular deposit as part
of a periodic savings program. By providing a few details about your investment
plan, the Investment and Regular Deposits calculator illustrates the total
growth of your deposits.
- Investment
and Regular Withdrawal (Investment and Savings)
This tool is designed to illustrate the regular income stream that could
be produced from a non-registered investment. By providing a few details
about your investment plan, the investment and Regular Withdrawals calculator
illustrates the depletion of assets through a regular withdrawal program,
while taking into account the growth of the assets over time.
- RESP
Calculator
This tool is designed to help you identify the cost of your children’s
post-secondary education and develop a savings plan to cover those costs.
The tool allows you to build a plan for up to four children and takes into
account the varying tuition and living costs from province to province.
- Savings
Planner
The Savings Planner helps determine a savings plan to achieve specific
financial goals based on cost, time and savings growth.
Personal Planners:
- Net
Worth Calculator
Calculate your total assets (what you own such as real estate and
investments) and your total liabilities (what you owe such as your
mortgage and credit cards). A Net Worth Statement is produced that
illustrates your assets and liabilities.
- Household
Cash Flow Calculator
Calculate your household income (such as employment and pension income)
and your household expenditures (such as mortgage payments, car payments,
groceries, and entertainment expenses). A Household Cash Flow Statement
is produced that illustrates and summarizes your income and expenditures.
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