Stone Owl · Family Office
IFA Calculator
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Stone Owl · IFA Calculator
v2.6
Client
First name
Last name
Current age
Gender
Male
Female
Province
Select province
British Columbia
Alberta
Retirement age
Corporate Finances
Adjusted portfolio value ($)
Adjusted total active income (pre-tax, $)
Adjusted total rental income (pre-tax, $)
IFA Policy
Annual premium deposit ($)
Loan interest rate (%)
Cannot exceed 10%
Net portfolio ROR (%)
▶
Advanced tax rates
Dividend tax rate (%)
Capital gains tax rate (%)
Passive investment tax rate (%)
IFA Analysis
Export PDF
Stone Owl · IFA Analysis
IFA net estate at 65
—
With policy
Base net estate at 65
—
Without policy
Estate advantage at 65
—
IFA vs base
Net estate comparison
Net estate
Corp net worth
IFA
Base
Comparison
IFA detail
Base detail
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Changelog
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v2.2 – v2.6
Comparison table restructured: Base | IFA | Advantage columns for both Net Estate and Corp Net Worth, separated by a vertical divider
Negative advantage values now show a minus sign and red pill instead of a misleading plus
Export PDF button added — triggers browser print dialog with a print-optimised layout (left panel hidden, client name + date header shown)
v2.1
Province selector now starts blank — forces agent to select BC or AB before calculating
Current age field now starts blank with a placeholder
Rental income field hidden from UI (value held at 0 internally)
Comparison table columns reorganised into two logical groups: Net Estate and Corp Net Worth
v2.0
Passive investment tax rate exposed as a manually editable field under Advanced
Province toggle auto-updates all three tax rates: BC (48.9% div, 53.5% CG, 50.67% passive) and AB (42.3% div, 48% CG, 46.67% passive)
Dollar input fields (portfolio, active income, rental income, premium) now format with commas as you type
v1.9
Default dividend tax rate updated to 48.9%
Default capital gains tax rate updated to 53.5%
Summary cards (net estate / corp net worth at target age) now sync with the chart toggle
v1.8
Chart toggle added: switch between Net Estate and Corporate Net Worth comparison views
Corp net worth column added to Base detail tab and Comparison tab
Loan interest rate capped at 10% with inline validation error
v1.7
Added Manulife male illustrations, ages 18–76 (59 files) — full lookup table embedded in app
Added Manulife female illustrations, ages 18–76 (59 files) — 118 total illustrations across both genders
Illustration data loaded from external JSON file for performance
Gender selector wired to correct illustration set (M_ or F_ key)
Dynamic age range: comparison table starts at next multiple of 5 above current age, runs to 95
v1.0 – v1.6
Initial build: IFA vs Base estate comparison engine
Full formula implementation: NCPI deduction, tax refund, net cost, portfolio compounding, CDA, estate tax
BC and Alberta passive tax rates
Three-tab results view: Comparison, IFA Detail, Base Detail
Chart.js line chart with IFA vs Base net estate
Wealthsimple-style UI with left input panel and right results panel