Input your details to see where wealth is leaking and what it's costing you. All figures are illustrative estimates — not financial or tax advice.
Taxed at full marginal rate — up to 53.53% in Ontario.
Personal: taxed at marginal rate up to 53.53%.
OpCo only: retained earnings accumulate in the operating company — exposed to business risk and creditors.
What you originally paid for the shares — often just the initial paid-in capital. If unsure, leave at $0 (conservative estimate).
Mixed: blended rate ~43% (interest + dividends + gains). Applies when personally held.
Personal: capital gains taxed at 26.75% effective on accrued gain.
Tax-exempt on sale — included in estate total for full picture.
Tax-free growth and withdrawal — no estate tax.
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