{"id":27,"date":"2026-07-10T16:42:42","date_gmt":"2026-07-10T16:42:42","guid":{"rendered":"https:\/\/gf-calc.vsmdev.ca\/?page_id=27"},"modified":"2026-07-10T16:42:42","modified_gmt":"2026-07-10T16:42:42","slug":"mb-lump-sum-calculator","status":"publish","type":"page","link":"https:\/\/gf-calc.vsmdev.ca\/?page_id=27","title":{"rendered":"MB &#8211; Lump sum calculator"},"content":{"rendered":"<div class=\"gf-calc-root\" data-instance=\"payroll-lump-calc-1-1\" data-id=\"payroll-lump-calc-1-1\" id=\"payroll-lump-calc-1-1\">\n\n    <div>\n\n        <div class=\"row ret-calc-top-section\" id=\"payroll-lump-calc-1-1-image-1\">\n\n            <div class=\"col-sm-9\">\n\n                <div class=\"row\">\n                    <div class=\"col-md-6\">\n                                                    <div class=\"ret-calc-field-label\">Your annual investment amount (max $12,000.00)<\/div>\n                                            <\/div>\n                    <div class=\"col-md-6\">\n                        <div class=\"input-group\">\n                            <span class=\"input-group-addon\">$<\/span>\n                                                            <input class=\"ret-calc-field form-control\" type=\"number\" step=\"0.01\" name=\"contribution-amount\" value=\"5000\" min=\"0\" max=\"12000\" onchange=\"inv_calculate('#payroll-lump-calc-1-1')\">\n                                                    <\/div>\n                    <\/div>\n                <\/div>\n                \n                <div class=\"row\">\n                    <div class=\"col-md-6\">\n                        <div class=\"ret-calc-field-label\">What is your annual taxable income?<\/div>\n                    <\/div>\n                    <div class=\"col-md-6\">\n                        <select name=\"annual-gross-income\" class=\"ret-calc-field form-control\" onchange=\"inv_calculate('#payroll-lump-calc-1-1')\">\n                                                            <option  value=\"24.80\">$16,535 - $47,000 (24.80% marginal tax rate)<\/option>\n                                                            <option  value=\"26.75\">$47,001 - $58,523 (26.75% marginal tax rate)<\/option>\n                                                            <option selected=\"selected\" value=\"33.25\">$58,524 - $100,000 (33.25% marginal tax rate)<\/option>\n                                                            <option  value=\"37.90\">$100,001 - $117,045 (37.90% marginal tax rate)<\/option>\n                                                            <option  value=\"43.40\">$117,046 - $181,440 (43.40% marginal tax rate)<\/option>\n                                                            <option  value=\"46.69\">$181,441 - $200,000 (46.69% marginal tax rate)<\/option>\n                                                            <option  value=\"47.55\">$200,001 - $258,482 (47.55% marginal tax rate)<\/option>\n                                                            <option  value=\"51.25\">$258,483 - $400,000 (51.25% marginal tax rate)<\/option>\n                                                            <option  value=\"50.40\">$400,001 and up (50.40% marginal tax rate)<\/option>\n                                                    <\/select>\n                    <\/div>\n                <\/div>\n\n                                    <div class=\"row\">\n                        <input name=\"contribution-period\" type=\"hidden\" value=\"1\">\n                    <\/div>\n                \n                <div class=\"row\">\n                    <div class=\"col-md-6 col-md-offset-6\">\n                        <button class=\"btn btn-primary\" onclick=\"inv_calculate('#payroll-lump-calc-1-1')\">Calculate<\/button>\n                    <\/div>\n                <\/div>\n\n                <div class=\"gf-calc-validation\" aria-live=\"polite\"><\/div>\n\n            <\/div>\n\n            <div class=\"col-md-3\">\n                                    <div class=\"tax-credits-msg\">Your total tax credits &amp; savings<\/div>\n                    <div class=\"tax-credits-total\"><\/div>\n                            <\/div>\n\n        <\/div>\n\n        <div class=\"row results-section\">\n\n            <div class=\"col-md-6\">\n                <p class=\"gf-gof-note\">Your net cost with GOF is lower than a regular RRSP<\/p>\n                <div class=\"ret-calc-chart-title\">Annual Golden Opportunities Fund RRSP Investment<\/div>\n                <div id=\"payroll-lump-calc-1-1-paycheque-pie\" class=\"invest-calc-section-2-golden-chart ret-calc-pie-chart\"><\/div>\n            <\/div>\n            <div class=\"col-md-6\">\n                <div class=\"ret-calc-chart-title\">Annual Regular RRSP Investment<\/div>\n                <div id=\"payroll-lump-calc-1-1-regular-paycheque-pie\" class=\"ret-calc-section-2-regular-chart ret-calc-pie-chart\"><\/div>\n            <\/div>\n        <\/div>\n    <\/div>\n\n\n    <script type=\"application\/json\" class=\"gf-init\" data-type=\"investment\" data-instance=\"payroll-lump-calc-1-1\">\n        {\"instance_id\":\"payroll-lump-calc-1-1\",\"calc_mode\":\"standard\",\"calc_subtype\":\"lump\",\"gof_growth_rate\":0.040000000000000000832667268468867405317723751068115234375,\"rsp_growth_rate\":0.040000000000000000832667268468867405317723751068115234375,\"prov_tax_credit\":0.1499999999999999944488848768742172978818416595458984375,\"fed_tax_credit\":0.1499999999999999944488848768742172978818416595458984375,\"share_subject\":\"\",\"total_pay_periods_per_year\":26,\"max_gof_contribution\":12000,\"province\":\"mb\",\"fontcolor\":\"#666\"}    <\/script>\n<\/div>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-27","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/gf-calc.vsmdev.ca\/index.php?rest_route=\/wp\/v2\/pages\/27","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/gf-calc.vsmdev.ca\/index.php?rest_route=\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/gf-calc.vsmdev.ca\/index.php?rest_route=\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/gf-calc.vsmdev.ca\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/gf-calc.vsmdev.ca\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=27"}],"version-history":[{"count":1,"href":"https:\/\/gf-calc.vsmdev.ca\/index.php?rest_route=\/wp\/v2\/pages\/27\/revisions"}],"predecessor-version":[{"id":30,"href":"https:\/\/gf-calc.vsmdev.ca\/index.php?rest_route=\/wp\/v2\/pages\/27\/revisions\/30"}],"wp:attachment":[{"href":"https:\/\/gf-calc.vsmdev.ca\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=27"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}