FINTRAC KYC Threshold & Withdrawal Tax/FX Fee Calculator (CAD C$)
(function(){
var u = “pc_tool_tg_pc_tool_tax_kyc_en_ca”;
var mode = “f5”;
var loc = “en-CA”;
var cur = “CAD”;
var fmt = new Intl.NumberFormat(loc, {style:’currency’, currency:cur});
var ins = [1,2,3,4].map(function(n){ return document.getElementById(u+’_i’+n); });
var outs = [1,2,3,4].map(function(n){ return document.getElementById(u+’_r’+n); });
if(ins.some(function(x){return !x;})) return;
function calc(){
var a = parseFloat(ins[0].value)||0, b = parseFloat(ins[1].value)||0, c = parseFloat(ins[2].value)||0, d = parseFloat(ins[3].value)||0;
if(mode===’f1′){
var contrib = Math.max(5, Math.min(100, c))/100;
var rtp = Math.max(85, Math.min(99.5, d))/100;
var turnover = (a * Math.max(1, b)) / contrib;
var cost = turnover * (1 – rtp);
var ev = a – cost;
var surv = Math.max(2, Math.min(96, Math.round(100 * Math.exp(-cost / Math.max(1, a * 1.35)))));
outs[0].textContent = fmt.format(turnover);
outs[1].textContent = fmt.format(cost);
outs[2].textContent = fmt.format(ev);
outs[2].style.color = ev >= 0 ? ‘#10b981’ : ‘#ef4444’;
outs[3].textContent = surv + ‘%’;
} else if(mode===’f2′){
var mins = b<=1 ? (c1) mins = Math.round(mins * 1.6);
var fee = (d>1 && cur!==’BRL’) ? a * 0.025 : 0;
outs[0].textContent = mins = 10000 ? ‘Enhanced KYC/AML’ : ‘Standard Tier’;
} else if(mode===’f3′){
var score = 100 – (b>1 ? (b-1)*18 : 0) – (c>1 ? 25 : 0) – (d>1 ? 12 : 0);
outs[0].textContent = Math.max(20, score) + ‘ / 100′;
outs[1].textContent = b<=1 ? 'Tier-1 Statutory' : (b===2 ? 'Secondary Registry' : 'Unverified');
outs[2].textContent = d<=1 ? '0.0% Native' : '2.5% FX Spread';
outs[3].textContent = c ex ? (netWin – ex) * 0.15 : 0;
} else if(cur===’PLN’){
tax = a > (c||2280) ? a * 0.10 : 0;
} else if(cur===’USD’){
tax = a >= 1200 ? (d1 ? netWin * 0.25 : 0;
}
outs[0].textContent = fmt.format(netWin);
outs[1].textContent = fmt.format(tax);
outs[2].textContent = fmt.format(Math.max(0, a – tax));
outs[3].textContent = a >= 10000 ? ‘Statutory AML Report’ : ‘Standard Record’;
}
}
ins.forEach(function(el){ el.addEventListener(‘input’, calc); });
calc();
})();
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