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CRA Folio S3-F6-C1 Tracing Engine

Free Canadian Smith Manoeuver™ Calculator

Model your monthly re-advanceable HELOC investment growth, calculate your annual CRA tax refunds, and project your 25-year net worth advantage.

CRA Audit Alert: Never commingle personal HELOC borrowing with investment draws.

Mortgage & Strategy Inputs

Adjust the parameters to match your current Canadian mortgage and tax bracket.

Home Property Value$950,000 CAD
$300k$3,000,000
Remaining Mortgage Balance$650,000 CAD
$100k$950,000
Yrs
%
%
%
Expected Portfolio Growth Rate7.5% / year
3% (Conservative)7.5% (Blended TSX/S&P)12% (Aggressive)
CRA Tracing Engine Outputs

Your Projected Tax & Wealth Shield

25-Year Net Wealth AdvantageProjected investment net worth increase above standard mortgage payoff
+$1,082,060 CAD
Estimated Year 1 Tax Refund
$226 /year
Deductible carrying charges on CRA Line 22100
Monthly HELOC Re-advance
$1,134 /mo
Principal converted to non-registered investments
Lifetime Tax Refunds: $340,930 CAD
Monthly Mortgage Payment: $3,703/mo
Mortgage Shortened By: ~4.8 Years

25-Year Long-Term Wealth Projection

Compare standard mortgage amortization vs. Smith Manoeuver compounding.

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