Our free simulation tools help you make the right financial decisions before you buy insurance or make a major purchase. Calculations based on official data from CMHC, the Bank of Canada and the AMF. 100% anonymous use — no registration required.
SIMULATORS ASSUR360
Tools that save you hours of research
Real estate decisions, insurance, business interruption — everything you need to make the right choice.
See all toolsAll our simulators
True tax rate in Quebec
Calculate your actual METR (effective marginal tax rate): tax + QPP + EI + loss of credits (GST, CCB, family allowance, OAS). Annual updates.
Tax Savings Plan Comparator — RRSP, TFSA, FHSA, RESP
Decision tool: 3 scenarios + Monte Carlo 500 simulations + management fees + disbursement phase + 6 life situation presets. Nuanced recommendation according to your MMT.
Owner or tenant?
Compare the real cost of buying vs. leasing over 1 to 30 years. 14 variables, verdict encrypted in 30 seconds. François Lambert + CMHC method.
After a claim: how much do I really receive?
Complete home simulator: deductible, depreciation, sub-limits, co-insurance, additional costs. Estimated net allowance in 1 minute.
Business Interruption Calculator
Estimate the coverage your business needs in the event of an interruption: revenue, fixed costs, compensation period.
Mortgage calculators
Borrowing capacity, monthly payments, amortization, CMHC insurance — our official tools to plan your purchase.
Quiz — What insurance do you need?
8 questions, your personalized insurance plan. Ideal for taking stock at each stage of life.
Life Insurance Calculator — DIME or Lump Sum
Estimate in 2 minutes the life insurance capital to be taken out. DIME (debt, income, mortgage, education) method or discounted replacement capital. Instant results.
Disability Requirement Calculator — Optimal Waiting Period
Estimate the monthly benefit to be insured, the optimal waiting period based on your emergency fund and the ideal duration. Takes into account your group coverage.
Mortgage calculator: bank vs life insurance
Compare mortgage insurance offered by the bank and T25 personal life insurance. Monthly bonus, fixed vs. decreasing capital, total savings — the big game always won by the staff.
Interactive post-disaster checklist
Fire, water damage, theft, car accident, storm… Generate your personalized checklist with legal deadlines, steps to check and useful contacts in Quebec. Printable.
Inventory of my belongings
List your belongings room by room and generate a PDF ready to provide to your insurer in the event of a claim. Automatic backup in your browser.
Profitability of a crop
Net margin, cost price per tonne, yield threshold for corn, soybeans, wheat, hay, canola. 2026 MAPAQ/CRAAQ data.
True annual cost: motorcycle, RV, boat…
Depreciation, insurance, gas, maintenance, storage, registration. Total cost per year, per month, per outing. 8 pre-tuned vehicles.
True vehicle cost of ownership (5 years)
Compare two vehicles side-by-side: purchase, depreciation, gas, insurance, maintenance. Total cost and $/km for the duration of your choice.
EV vs gasoline: when is it profitable?
Break-even point between electric and combustion vehicles according to mileage, gas price and Hydro-Québec rate. With 2026 Drive Green / iZEV discount.
Why use our simulators?
Reliable data
Formulas aligned with CMHC, Bank of Canada and Statistics Canada. No marketing bias.
100% anonymous
No registration, no email required. Your data remains in your browser. Bill 25 respected.
Results in 30 seconds
No download, no PDF. Enter your numbers, get your answer immediately.
FREE QUOTE
After the simulation, get your real bonus
Assur360 compares 30+ insurers in 3 minutes. Fair premium, full coverage.
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