Investment Account Projector
Model any registered or tax-advantaged account in Canada or the United States — accumulation, preservation, and distribution in one projection.
Account type
Canada
United States
RRSP
Registered Retirement Savings Plan
Annual limit: $31,560
Your contributions
Typical: 5-8%
VerifiedAdvisorsHub · RRSP Projector
Your RRSP Projection
Projection
At end of contributions
$1,209,652
Year 30
After-tax spendable
$907,239
After 25% tax
Balance over time
A verified advisor can optimize your contribution strategy and tax treatment.
About the RRSP
Pre-tax contribution, tax-deferred growth, fully taxable on withdrawal.
At a glance
Best for
- Higher current tax bracket than expected retirement bracket
- Capturing employer matching contributions
- Disciplined savers who reinvest the refund
Watch out for
- Every dollar withdrawn is fully taxable as income
- Over-contribution triggers a 1%/month penalty tax
- Withdrawing early (non-HBP/LLP) means immediate tax plus lost contribution room
Learn more
This is educational, not financial advice. An advisor can apply it to your specific situation.
About this tool
This calculator runs a three-phase simulation: accumulation (working years with contributions and growth), preservation (wind-down near retirement with a conservative return), and distribution (retirement withdrawals).
Account-specific features are included automatically: employer match for 401(k) plans, CESG grants for RESP, CDSG grants for RDSP, tax-free growth for TFSA/Roth accounts, tax-deferred growth for RRSP/traditional accounts, and capital-gains treatment for brokerage accounts.
Projections assume constant returns and don't model sequence-of-return risk, inflation (unless toggled), or tax-law changes. A licensed advisor can run stochastic simulations and build a comprehensive retirement plan.