Since 1977, our financial products survey system has been a trusted impartial resource for newspapers such as the Toronto Star, Globe and Mail and National Post. Regional media, websites and TV producers also turn to us for accurate up-to-date information.
Now you can plug in yourself and also use our free tools to see where you stand and where you might be heading. Want to know still more? A Fiscal Agents advisor can help analyze and fine-tune this information to produce a customized comprehensive financial plan.
Below, you'll find a series of links to our collection of rate tables for various investment products, as well as some accompanying interactive financial tools.
Guaranteed Investment Certificates (GICs) and Short-term Deposits: Rates and Tools
Our GIC Rate Tables
Guaranteed Investment Certificate (GIC) Rates
Our daily-updated GIC rate tables provide you with a complete picture of what products are currently available to our clients. Terms range from 1-5 years for annual, semi-annual, quarterly, monthly and compound annual payments. Available cashable (redeemable) products are also provided.
Short-Term GIC Rates
For clients looking for a GIC product with a term of less than a year, our daily-updated Short-Term Deposit rate table lists products currently avaiable for a variety of terms - with ranges from 30 to 364 days. Each product shown will also indicate their minimum purchase amount.
Our GIC Financial Tools
GIC Laddering Explained: An Interactive Demonstration
Curious about GIC Laddering or how it can benefit your own situation? Simply specify a starting amount to invest and the interest payment frequency, and from there we'll show you what to expect in a traditional GIC ladder configuration, using products currently available from our GIC rate table.
GIC Live Rate and Return Comparison Calculator
Displays the difference in accrued interest between 2 rates over varying deposit amounts and time periods. You can compare rates you select yourself, or those currently offered on our rate tables, and produce a detailed report of the resulting figures as well.
The Registered Deposit Broker's Association (RDBA) has produced the Broker Advantage Index - an interactive illustration of how much more in interest income can be achieved from RDBA deposit broker members, versus the rates available at the top Canadian banks.
Tax-Free Savings Accounts (TFSAs) and Daily Interest Savings Accounts: Rates and Tools
Our TFSA and Savings Account Rate Tables
Tax-Free Savings Account (TFSA) Rates
Despite the name, a Tax-Free Savings Account (TFSA) does not have to be a cash savings account - it can contain cash and/or other investments. In this table, you can view our available rates for savings accounts and 1-5 year GIC products.
Savings Account Rates
Available rates from various institutions for interest earning savings accounts, calculated daily or monthly on the minimum deposit balance. In most cases, interest is also credited on a monthly basis.
Our TFSA and Savings Account Financial Tools
Advantages of Early Investing Calculator
Demonstrates the importance of starting that “nest egg” at an early age. By entering values for multiple investment products, you can observe the effect of compound interest applied over shorter or longer periods of time.
Retirement Savings Plans (RRSPs) and Retirement Income Funds (RRIFs): Rates and Tools
Our Retirement Planning and Income Rate Tables
Retirement Savings Plan (RRSP) Rates
For clients planning their retirement, Fiscal Agents offers a selection of available RRSP products for companies we represent in our daily-updated RRSP rate table, with terms ranging from 1 to 5 years.
Retirement Income Fund (RRIF) Rates
an investment vehicle used to produce income in retirement. Our daily-updated RRIF rate table lists our available interest rates for RRIFs paying interest annually (once per year), and features investment terms of 1 to 5 years.
Our Retirement Planning and Income Financial Tools
Retirement Funding Calculator
Discover a glimpse of your financial future! This quick tool provides you with a illustration of the estimated needed amount to fund your ideal retirement, or alternatively, to estimate length of time your retirement savings can sufficiently fund.
Retirement Savings & Income Calculator
Go a little deeper and explore various retirement scenarios, enabling you to get a more detailed picture of your needs towards your ideal retirement.
RRIF Withdrawal Scheduler
This quick and handy tool produces a year-by-year account of a Retirement Income Fund, listing the income earned and the annual payments.
Mortages: Rates and Tools
Our Mortgage Rate Tables
Mortgage Rates
Our table includes variable, open and convertible mortgage terms of six months to two years, closed mortgage terms ranging from six months to five years, and seven to ten years.
Our Mortgage Financial Tools
Mortgage Amortization Scheduler
Produce a monthly payment schedule for mortgage payments, based on the mortgage parameters you provide.
Paying Down a Mortgage Calculator
Illustrates the needed mortgage payment increase should you decide to pay off your mortgage sooner than intended.
