Estate Cost Calculator.

If you died today, what would your estate owe before anyone inherits?

Estate Cost Calculator

When someone dies in Canada, their estate may owe probate fees and taxes before beneficiaries receive anything. Enter the value of your home, investments, RRSP or RRIF, and any second property to estimate the costs in Ontario or Alberta — and see how much life insurance you already have to cover them.

Your details

Province

Licensed in Ontario and Alberta.

Principal residence value ($)

Non-registered investments and cash ($)

RRSP / RRIF balance ($)

Second property or cottage — current value ($)

Second property — original purchase price ($)

Estimated marginal tax rate in year of death (%)

Is there a surviving spouse or common-law partner?

Existing life insurance ($)

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Estimated cost to settle your estate

Probate / estate administration tax

Tax on RRSP or RRIF

Capital gains tax on second property

Estate value

Existing life insurance

Shortfall

Probate RRSP tax Capital gains

This calculator is for illustration only and is not financial advice. Results are estimates based on the information you enter and government rules as of 2026, which can change. Probate rules and tax rates change, and every estate is different. This is an estimate, not a legal or tax opinion. Speak with a licensed advisor before making decisions.

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