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
401(k)
Traditional 401(k) — pre-tax, employer match
Annual limit: $23,000
Your contributions
Typical: 5-8%
Employer match
e.g. 50 = 50% match
e.g. 6 = first 6%
VerifiedAdvisorsHub · 401(k) Projector
Your 401(k) Projection
Projection
At end of contributions
$1,436,358
Year 30
After-tax spendable
$1,077,268
After 25% tax
Balance over time
A verified advisor can optimize your contribution strategy and tax treatment.
About the Traditional 401(k)
Pre-tax payroll contribution, tax-deferred growth, ordinary income tax on withdrawal.
At a glance
Best for
- Capturing the full employer match — always the highest-priority dollar
- Higher current tax bracket than expected retirement bracket
- Savers who want the forced-commitment of payroll deduction
Watch out for
- Early withdrawal (before 59½) incurs 10% penalty plus income tax
- Front-loading early in the year can cause you to miss later match contributions
- Vesting schedules — leaving before cliff/graded vesting forfeits employer portion
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.