quit

module

v0.0.0-...-d109a9a Latest Latest Go to latest Published: Jun 14, 2024 License: MIT

Details

A library of Canadian 🇨🇦 personal finance calculations written in Go.

This is work in progress.

assert - Helpful functions for testing
float - Helpful functions for working with floating point numbers
mortgage - Canadian mortgage calculations
- MortgagePayment calculation
- Amortization schedule
- Lump sum payments
taxes - Income tax calculations
- Very basic IncomeTax and GrossIncomeForNet calculations.
- Tax brackets
- Provinces and Territories other than Alberta
- RRSP deduction calculations for contributions
- Maybe CPP/EI calculations
- Maybe self-employment vs. employment income
- Maybe capital gains (in taxable accounts)
- Maybe eligible and ineligible dividends (in taxable accounts)
rrsp
- RRSP withholding tax for withdrawals
- RRSP contribution room calculations -- how many years to "max" it out?
fi - Financial Independence calculations
- The 4% rule
- Coast FI calculator
- Survival threshold from Die With Zero
compound -- compound interest and drawdown calculators
- Compound interest calculator for accumulation phase
- Drawdown calculator
- Maybe drawdown with CPP/OAS at different ages

There are some other calculations that may be interesting.

Foreign withholding tax for dividends from U.S. and International equity
T-Rex Scores (by Larry Bates) to compare fees on various investments, such as Management Expense Ratios (MER)
Other suggestions?

The documentation is intended to describe how to use the functions in this library.

It is not financial advice.

Please open an issue to propose a change or addition before opening a pull request.

Please do NOT include personal information, financial or otherwise, in the code or examples. All numbers should be fictional.

Mortgage Calculator by the Government of Canada
Income Tax Calculator by Wealthsimple
Compound Interest Calculator by Get Smarter About Money (Ontario Securities Commission)

Path	Synopsis
assert Assert package contains helpful functions for testing.	Assert package contains helpful functions for testing.
float Float package contains helpful functions for working with floating point numbers.	Float package contains helpful functions for working with floating point numbers.
mortgage Mortgage calculations for Canadian mortgages.	Mortgage calculations for Canadian mortgages.
taxes This is an income tax calculator for Alberta, Canada with data for 2024.	This is an income tax calculator for Alberta, Canada with data for 2024.