Free Cross-Border Tools — 49th Parallel Wealth Management
Home  /  Tools
Free tools

Cross-border tools, free to use.

A growing set of interactive calculators and checks for life between Canada and the U.S. — run the numbers on residency, taxes, retirement, currency, and more. No sign-up required.

Interactive tools

Run your own numbers.

Each tool is a fast, plain-language starting point. When you want the full picture, every one of them links to a conversation.

Residency & tax

Substantial Presence Test calculator

Count your weighted U.S. days against the 183-day test and see if you may be a U.S. tax resident.

Try it →
Tax

Which country taxes this?

Pick where you live and a type of income or asset to see how the Canada–U.S. treaty generally treats it.

Try it →
Investments

Which currency should you invest in?

See whether each of your accounts is better held in Canadian or U.S. dollars — and why.

Try it →
Investments

Investment fee calculator

Estimate your advisory fee against our real, published schedule — comprehensive or management-only.

Try it →
Retirement

Cross-border retirement income estimator

Project annual income from CPP, OAS, Social Security, and your accounts in both countries.

Try it →
Education

Education savings projector

Project an RESP or 529 over time — including the RESP’s government grant — from a monthly amount.

Try it →
Estate

Cross-border estate-exposure check

Five questions to flag U.S. estate tax, double probate, and document gaps before they become problems.

Try it →
Risk

“Where are you exposed?” risk-gap check

Surface the protection gaps that catch people most often, across six areas of your plan.

Try it →
Financial planning

Cross-border financial health check

A quick read on where your plan is strong and where the gaps are when life spans two countries.

Try it →
Wealth

Build your wealth plan

Tell us what’s on your mind and see the services a coordinated plan would bring together.

Try it →
Second opinion

Cross-border second opinion

Five quick questions on whether your current setup is really built for both countries.

Try it →
For Canadians

Canadian retirement check

Six questions on RRSP/RRIF timing, CPP & OAS, the OAS clawback, and the decisions Canadians most often miss.

Try it →
For Canadians

Account-type fit check

See which accounts — RRSP, TFSA, RESP, FHSA, non-registered — should do the work, with cross-border flags.

Try it →

Every tool here is educational — a starting point, not tax, legal, or investment advice. The right answer always depends on your full situation, which is exactly what a conversation is for.

Ran the numbers? Let’s talk through what they mean.
A free, no-obligation conversation about your cross-border situation.
Book a free call